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European Union
LCL Le Crédit Lyonnais SA v Fesih Kalhan (C-565/12)
Judgment
The question referred for a preliminar…
Merits
45

LCL Le Crédit Lyonnais SA v Fesih Kalhan (C-565/12)

Judgment of 27 Mar 2014law://eu/cjeu/2012/c-565-12/para_45@2026-11-10

45In particular, the Court has held that the severity of penalties must be commensurate with the seriousness of the infringements for which they are imposed, in particular by ensuring a genuinely dissuasive effect, while respecting the general principle of proportionality (Texdata Software, paragraph 51).

Source: EUR-Lex, © European Union, 1998-2026. Reuse authorised under Decision 2011/833/EU.

Key facts

Court: Court of Justice · Fourth Chamber
Case: C-565/12 · ECLI:EU:C:2014:190
Decided: 27 Mar 2014
Procedure: Preliminary reference · referred by the tribunal d’instance d’Orléans (France)
Applicant: LCL Le Crédit Lyonnais SA
Defendant: Fesih Kalhan
Rapporteur: A. Prechal
Advocate General: N. Wahl
Bench: 5 judges
L. Bay Larsen, M. Safjan, J. Malenovský, A. Prechal, K. Jürimäe
Language: French
Official: CURIA · EUR-Lex 62012CJ0565

Topics

Approximation of laws Consumer protection

History · 1 version

27 Mar 2014Reading

Connections

Interprets 1: Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC
Cited by 13: Monika Kušionová v SMART Capital, a.s (C-34/13); Ernst Georg Radlinger and Helena Radlingerová v Finway a.s (C-377/14)2 provisions; Home Credit Slovakia a.s. v Klára Bíróová (C-42/15)3 provisions; OPR-Finance s.r.o. v GK (C-679/18); EL-EM-2001 Ltd v Nemzeti Adó- és Vámhivatal Dél-alföldi Regionális Vám- és Pénzügyőri Főigazgatósága (C-501/14)2 provisions; Pillar Securitisation Sàrl v Hildur Arnadottir (C-694/17); Froukje Faber v Autobedrijf Hazet Ochten BV (C-497/13); Ultimo Portfolio Investment (Luxembourg) S.A. v KM (C-303/20); CA Consumer Finance SA v Ingrid Bakkaus and Others (C-449/13); Horyzont Niestandaryzowany Sekurytyzacyjny Fundusz Inwestycyjny Zamknięty v LC (C-339/23); Nárokuj s.r.o. v EC Financial Services, a.s (C-755/22); Vaditrans BVBA v Belgische Staat (C-102/16); Robert Michal Chmielewski v Nemzeti Adó- és Vámhivatal Dél-alföldi Regionális Vám- és Pénzügyőri Főigazgatósága (C-255/14)2 provisions
Cites 7: Treaty on European Union (consolidated 2016); Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC; OSA — Ochranný svaz autorský pro práva k dílům hudebním o.s. v Léčebné lázně Mariánské Lázně a.s (C-351/12); Fish Legal and Emily Shirley v Information Commissioner and Others (C-279/12); Criminal proceedings against Silvio Berlusconi, Sergio Adelchi and Marcello Dell'Utri and Others (C-387/02, C-391/02, C-403/02); Texdata Software GmbH (C-418/11); Commission of the European Communities v United Kingdom of Great Britain and Northern Ireland (C-382/92)