Judgment_paragraph 54 · Banco Español de Crédito, SA v Joaquín Calderón Camino (C-618/10)

54In the light of the order for payment procedure described in paragraphs 50 to 52 of this judgment, its progress and its special features, viewed as a whole, there is a significant risk that the consumers concerned will not lodge the objection required either because of the particularly short period provided for that purpose, or because they might be dissuaded from defending themselves in view of the costs which legal proceedings would entail in relation to the amount of the disputed debt, or because they are unaware of or do not appreciate the extent of their rights, or indeed because of the limited content of the application for the order for payment submitted by the sellers or suppliers, and thus the incomplete nature of the information available to them.