39As regards, first of all, the forfeiture of entitlement to interest, the Court has already held that that type of penalty, provided for by national legislation, must be regarded as proportionate, within the meaning of Article 23 of Directive 2008/48, as regards cases of the creditor’s breach of a vitally important obligation in the context of that directive (see, to that effect, judgment of 9 November 2016, Home Credit Slovakia, C‑42/15, EU:C:2016:842, paragraphs 69 to 71 and the case-law cited).
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