Judgment of the Court (Tenth Chamber) of 24 October 2024.#Horyzont Niestandaryzowany Sekurytyzacyjny Fundusz Inwestycyjny Zamknięty v LC.#Request for a preliminary ruling from the Sąd Rejonowy w Siemianowicach Śląskich.#Reference for a preliminary ruling – Consumer protection – Credit agreements for consumers – Directive 2008/48/EC – Risk of over-indebtedness – Article 8 – Obligation on the creditor to check the creditworthiness of the consumer – Article 10 – Information to be included in credit agreements – Article 23 – Penalty in the event of failure to comply with that obligation – Equivalent penalties – Effective, proportionate and dissuasive nature of the penalty.#Case C-339/23.