30In this respect, it is appropriate to observe that, in so far as the application of such a penalty results in the creditor no longer being entitled to the agreed interest and costs, that penalty appears to be commensurate with the seriousness of the infringements for which it is imposed and, in particular, has a genuinely dissuasive effect (see, to that effect, judgments of 27 March 2014, LCL Le Crédit Lyonnais, C‑565/12, EU:C:2014:190, paragraphs 52 and 53, and of 9 November 2016, Home Credit Slovakia, C‑42/15, EU:C:2016:842, paragraph 69).
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