Reddy, Johnson Q & A, commercial law 2009–2010 2009

Q&A COMMERCIAL LAW 2009–2010

Equitable Trust Co of New York v Dawson Partners Ltd (1926) 27 Ll L Rep 49 .... 197, 210 Esso Petroleum v Commissioners for Customs and Excise [1976] 1 WLR 1 .................... 50 European Asian Bank AG v Punjab & Sind Bank (No 2) [1983] 2 All ER 508;

[1983] 1 WLR 642; [1983] 1 Lloyd’s Rep 611 ......................................................... 159

Farnworth Finance Facilities Ltd v Attryde [1970] 2 All ER 774;

[1970] 1 WLR 1053 ................................................................................................... 95 Feldaroll Foundry plc v Hermes Leasing (London) Ltd [2004] EWCA Civ 747;

[2004] 24 LS Gaz R 32; [2004] All ER (D) 138 (May) .................................. 21, 33, 152 Financing v Baldock [1963] 1 All ER 443 .................................................... 104, 109, 117 Financing v Stimson [1967] 1 WLR 898 ........................................................................ 89 Finlay (James) & Co Ltd v Kwik Hoo Tong [1929] 1 KB 400 ....................................... 221 First Energy (UK) Ltd v Hungarian International Bank Ltd

[1993] 2 Lloyd’s Rep 194; [1993] BCLC 1409; [1993] BCC 533 ................. 168, 170–2 First National Tricity Finance v Ellis (2004) (unreported) 128

Forthright Finance Ltd v Ingate (Carlyle Finance Ltd, third party)

[1997] 4 All ER 99 ............................................................................................. 94, 125 Fraser v B N Furman (Productions) Ltd (Miller Smith & Partners, third parties)

[1967] 3 All ER 57; [1967] 1 WLR 898; [1967] 2 Lloyd’s Rep 1 ............................. 156 Frebold and Sturznickel (t/a Panda OGH) v Circle Products Ltd

(1970) 1 Lloyd’s Rep 499 .......................................................................................... 190 Freeman and Lockyer v Buckhurst Park Properties (Mangal) Ltd

[1964] 1 All ER 680 ................................. 155, 160, 166, 168, 170, 171, 176, 178, 179

GE Capital Bank Ltd v Rushton [2005] EWCA Civ 1556; [2006] 3 All ER 865 .......... 119

Galatia, The see Golodetz, M & Co Inc v Czarnikow Rionda Line

Garcia v Page & Co Ltd (1936) 55 Ll L Rep 391 ........................................................... 228 Gibbons v Westminster Bank Ltd [1939] 2 KB 882; [1939] 3 All ER 577;

108 LJKB 841 ............................................................................................................ 23 Gill & Duffus SA v Berger & Co Inc [1984] AC 382 ............................. 202, 206, 208, 221 Glencore Grain Rotterdam BV v Lebanese Organisation for International Commerce

[1997] 4 All ER 514 ................................................................................................. 215 Golodetz, M & Co Inc v Czarnikow Rionda Line, The Galatia

[1980] 1 All ER 501 ......................................................................................... 202, 203 Greer v Downs Supply Co [1927] 2 KB 28 ................................................................... 161 Griffiths v Peter Conway [1939] 1 All ER 685 .............................................................. 125 Groom Ltd v Barber [1915] 1 KB 316 .......................................................... 223, 233, 234 Grover and Grover v Matthews [1910] 2 KB 401 ................................................. 154, 157

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TABLE OF CASES

Gurtner v Beaton [1993] 2 Lloyd’s Rep 369 ......................................................... 169, 177

Hadley v Baxendale (1854) 9 Exch 341 ................................. 16, 23, 44, 52, 153, 187, 210 Hallett’s Estate, Re, also known as Knatchbull v Hallett (1880) 13 Ch D 696 ................ 61 Hansson v Hamel and Horley Ltd [1922] 2 AC 36; 91 LJKB 433;

[1922] All ER Rep 237 ............................................................................................ 207 Harlingdon and Leinster Enterprises v Christopher Hull Fine Art Ltd

[1990] 1 All ER 737 ............................................................................................. 35, 36 Harnett v Yielding [1803–13] All ER Rep 704; 2 Sch & Lef 549 .................................... 16 Heap v Motorists Advisory Agency [1923] 1 KB 577 ..................................................... 78 Hedley Byrne & Co Ltd v Heller & Partners Ltd [1964] AC 465 ............... 38, 95, 135, 172 Helby v Matthews [1895] AC 471 .................................................................................. 80 Hely-Hutchinson v Brayhead Ltd [1968] 1 QB 549; [1967] 3 All ER 98;

[1967] 3 WLR 1408 ................................................................................................. 179 Hendy Lennox v Grahame Puttick Ltd [1984] 2 All ER 152 .......................................... 63 Henry Dean & Sons see Dean (Henry) & Sons

Henthorn v Fraser [1892] 2 Ch 27 .................................................................................. 90 Hing Yip Hing Fat Co v Daiwa Bank Ltd [1991] 2 HKLR 35

Hippisley v Knee Bros [1905] 1 KB 1 .................................................................. 138, 140 Hirji Mulji v Cheong Yue Steamship Co Ltd [1926] AC 497;

[1926] All ER Rep 51 .............................................................................................. 177 Hong Kong Fir Shipping Co v Kawasaki Kisen Kaisha

[1962] 1 All ER 474 ................................................................................. 20, 32, 43, 47 Howard Marine & Dredging Co Ltd v A Ogden & Sons (Excavations) Ltd

[1978] 2 WLR 515; (1977) 122 SJ 48; [1978] 2 All ER 1134;

[1978] 1 Lloyd’s Rep 334, CA ........................................................................ 22, 32, 94 Howell v Coupland (1876) 1 QBD 258 ..................................................................... 68, 73 Hughes v Metropolitan Railway (1877) 2 App Cas 439 ................................................ 184 Hurstanger Ltd v Wilson [2007] EWCA Civ 299; [2007] 4 All ER 1118;

[2007] 1 WLR 2351 ................................................................................................. 110 Hyde v Wrench (1840) 3 Beav 334, 4 Jur 1106 .............................................................. 13

Ian Stach Ltd see Stach (Ian) Ltd

Ingram v Little [1961] 1 QB 31 ...................................................................................... 84 Islamic Republic of Iran Shipping Lines v Zannis Compania Naviera SA,

The Tzelepi [1991] 2 Lloyd’s Rep 265 ........................................................................ 135

Jackson v Rotax Motor and Cycle Co [1910] 2 KB 937; 80 LJKB 38; 103 LT 411 .......... 55

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Jacobs v Morris [1902] 1 Ch 816 .................................................................................. 179 James Finlay & Co Ltd see Finlay (James) & Co Ltd

Johnson v Taylor Bros & Co Ltd [1920] AC 144;

[1918–19] All ER Rep Ext 1210 ...................................................................... 206, 225 Jones v Boyce [1816] 1 Starkie 493; 171 ER 540 ............................................................ 27 Jones v Gallagher [2004] EWCA Civ 10; [2005] 1 Lloyd’s Rep 377 ..................... 130, 131

Julia, The [1949] AC 293; LJR 513 ...................................... 203, 216, 217, 224, 226, 232

Karlshamns Olje Fabriker v Eastport Navigation Corporation, The Elafi

[1982] 1 All ER 208; [1981] 2 Lloyd’s Rep 679; [1981] Com LR 149 ............... 67, 233 Keighley Maxsted & Co v Durant [1901] AC 240 ......... 142, 143, 151, 154, 156, 164, 175 Kelner v Baxter (1866) LR 2 CP 174 ............................................................ 146, 154, 157 Kofi Sunkersette Obu v Strauss & Co Ltd [1951] AC 243; 95 SJ 137 ............................ 140 Kum v Wat Tat Bank Ltd (1971) 1 Lloyd’s Rep 439 ......................................................... 3 Kwei Tek Chao v British Traders and Shippers [1954] 2 QB 459; 2 WLR 365;

98 SJ 163 .......................................................... 190, 198, 203, 207, 208, 215, 218, 222

L’Estrange v Graucob Ltd [1934] 2 KB 394; 103 LJKB 730; [1934] All ER Rep 16 ...... 41 Lamb (W T) & Sons v Goring Brick Co Ltd [1932] 1 KB 710;

[1931] All ER Rep 314 .................................................................................... 162, 163 Law and Bonar Ltd v British American Tobacco Ltd [1916] 2 KB 605;

85 LJKB 1714 .................................................................................................. 218, 222 Leaf v International Galleries [1950] 1 All ER 693 ................................................... 24, 91 Leigh and Sillivan v Aliakmon Shipping Co, The Aliakmon [1986] AC 785;

[1986] 2 All ER 145; [1985] 2 All ER 44; [1985] QB 350, CA ................. 71, 205, 233 Lewis v Averay [1972] 1 QB 198 .................................................................................... 84 Liverpool City Council v Irwin [1977] AC 239; [1976] 2 All ER 39;

[1976] 2 WLR 562 ..................................................................................................... 96 Lloyds Bowmaker Leasing Ltd v MacDonald [1993] CCLR 65,

Sheriff Court, Edinburgh ............................................................................................. 94 Logicrose v Southend United Football Club [1988] 1 WLR 1256 ......... 138, 152, 156, 161 Lombard North Central v Butterworth [1987] 1 All ER 267; CCLR 41 ........ 104, 109, 117 Lombard Tricity Finance Ltd v Paton [1989] 1 All ER 918; [1989] CCLR 21;

8 Tr LR 129 ................................................................................................................ 99 London Wine Shippers, Re [1986] PCC 121 ................................................................... 65 Long v Lloyd [1958] 2 All ER 402; [1958] 1 WLR 753; 102 Sol Jo 488 ........................ 24 Lupton v White (1808) 15 Ves 432 ............................................................................... 138 Luxor (Eastbourne) Ltd v Cooper [1941] 1 All ER 43 ................................................... 147

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Mahesan v Malaysia Government Officers’ Co-operative Housing Society Ltd

[1979] AC 374 ......................................................................................................... 138 Maine Spinning Co v Sutcliffe & Co [1917] 87 LJKB 382 .................................... 222, 225 Manbre Saccharine Co Ltd v Corn Products Co Ltd, sub nom Manbre Saccharine

Co v Corn Products Co [1919] 1 KB 198; 88 LJKB 402;

[1918–19] All ER Rep 980 ...................................................................... 207, 233, 234 Manbre Saccharine Co Ltd v Sugar Beet Products Co Ltd [1919] 1 KB 198 .................. 216 Maple Flock Co v Universal Furniture Products [1934] 1 KB 148 ............................ 55, 56 Marcq v Christie Manson & Woods Ltd (t/a Christie’s) [2003] EWCA Civ 731;

[2004] QB 286, [2003] 3 All ER 561 ....................................................................... 119 Mareva Cia Naviera SA v International Bulkcarriers SA, The Mareva

[1980] 1 All ER 213n; [1975] 2 Lloyd’s Rep 509 ......................................................... 4 Marsh v Jelf (1862) 3 F & F 234 .................................................................................... 140 Mash & Murrell Ltd v Joseph Emanuel [1961] 1 WLR 862 .................. 198, 203, 212, 234 Midland Bank Ltd v Reckitt [1933] AC 1 ............................................................. 179, 180

Mihalis Angelos, The [1971] 1 QB 164 ....................................................................... 5, 193 Mitchell v Finney Lock Seeds [1983] 2 AC 803 .............................................................. 43 Moore & Co and Landauer & Co, Re [1921] 2 KB 519 ................................ 21, 47, 48, 197 Moorgate Mercantile Co Ltd v Twitchings [1977] AC 890; [1976] 2 All ER 641 ........... 80 Moorgate Mercantile Leasing v Isobel Gell and Ugolini Despensers (UK)

[1988] CCLR 1; October 1985, Grays Thurrock County Court ................................... 94 Moorgate Services v Kabir [1995] CCLR 74; The Times, April 25 1995 ......................... 89 Murphy v Brentwood District Council [1990] 1 AC 399 ................................................ 26 Museprime Properties v Adhill [1990] 2 EGLR 196 ................................................. 22, 37 Nash v Dix (1898) 78 LT 445 ....................................................................................... 164 Nash v Paragon Finance see Paragon Finance plc v Staunton

National Mutual General Insurance Association v Jones [1988] 2 WLR 952 ............. 81, 86 Newtons of Wembley v Williams [1965] 1 QB 560 ........................................................ 86 Northey v Trevillion (1902) 7 Com Cas 201 .................................................................. 177

Office of Fair Trading v Lloyds TSB Bank plc [2004] EWHC 2600 (Comm);

[2005] 1 All ER 843 ............................................................................... 9, 10, 123, 124 Office of Fair Trading v Lloyds TSB Bank plc [2006] EWCA Civ 268;

[2007] QB 1 ............................................................................................. 126, 127, 129 Oliver v Court (1820) Dan 301 ..................................................................................... 137 Olympia Oil and Cake Co and Produce Brokers Ltd, Re [1915] 1 KB 233 ............ 215, 234 Overstone v Shipway [1962] 1 WLR 117 ...................................................................... 104

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Q&A COMMERCIAL LAW 2009–2010

Pagnan SpA v Tradax Ocean Transportation [1986] 3 All ER 565 ................................. 194 Panchaud Frères SA v Etablissements General Grain Co [1969] 2 Lloyd’s Rep 109;

[1970] 1 Lloyd’s Rep 53 ........................................................................................... 214 Pankhania v Hackney LBC (Damages) [2004] EWHC 323 (Ch);

[2004] All ER (D) 205 (Jan) ....................................................................................... 92 Paragon Finance plc v Pender [2005] EWCA Civ 760;

[2005] All ER (D) 307 (Jun) ....................................................................................... 99 Paragon Finance plc v Staunton, Paragon Finance plc v Nash

[2001] EWCA Civ 1466; [2002] 2 All ER 248 .......................................................... 99 Pavia & Co SpA v Thurmann-Nielsen

[1952] 2 QB 84 ................................................ 182, 183, 186, 187, 195, 210, 217, 228 Payne v Cave (1789) 3 Term Rep 148; 100 ER 502; [1775–1802] All ER Rep 492 ..... 13, 151 Peachdart Ltd, Re [1984] Ch 131 ................................................................................... 63 Pearson v Rose and Young [1951] 1 KB 275 ................................................................... 77 Penn v Bristol and West Building Society [1997] 3 All ER 470;

[1997] 1 WLR 1356 ......................................................................................... 170, 173 Perkins v Bell [1893] 1 QB 193 .................................................................................... 211 Pfeiffer GmbH v Arbuthnot Factors [1988] 1 WLR 150 ................................................ 61 Phillips v Brooks [1919] 2 KB 243 ................................................................................. 84 Photo Productions v Securicor Transport [1980] 2 WLR 289 .......................................... 41 Polhill v Walter (1832) 3 B & Ad 114 .......................................................................... 161 Pound (A.V.) & Co Ltd v Hardy & Co Inc [1956] AC 588 ............................................. 194 Preist v Last [1903] 2 KB 148; 72 LJKB 657;

[1900–3] All ER Rep Ext 1033 ...................................................................... 11, 21, 41 Pyrene & Co Ltd v Scindia Navigation Co Ltd [1954] 2 QB 402 ........................... 191, 212

R (on the application of Heather Moor & Edgecomb Ltd) v Financial Ombudsman

Service [2008] EWCA Civ 642; [2008] NLJR 897; [2008] All ER (D) 126 (Jun) ..... 115 R and B Customs Brokers v United Dominions Trust [1988] 1 All ER 847 ...... 21, 30, 152 Rama Corpn Ltd v Proved Tin and General Investment Ltd [1952] 2 QB 147;

[1952] 1 All ER 554 ................................................................................. 155, 160, 168 Reardon Smith Line v Hansen Tangen [1976] 1 WLR 989 ..................................... 48, 197 Regier v Campbell-Stuart [1939] Ch 766; [1939] 3 All ER 235; 108 LJ Ch 321 .......... 162 Robinson v Mollett (1875) LR 7 HL 802; 44 LJCP 362; 33 LT 544 .............................. 137 Robophone Facilities Ltd v Blank [1966] 3 All ER 128; [1966] 1 WLR 1428;

110 Sol Jo 544 ............................................................................................................ 95 Rogers v Parrish [1987] QB 933 ............................................................................... 21, 31

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TABLE OF CASES

Rolls Razor v Cox [1967] 1 QB 552 ............................................................................... 76 Romalpa case see Aluminium Industrie Vaassen BV v Romalpa Aluminium Ltd

Ross T Smyth see Smyth (Ross T)

Routledge v Grant (1828) 4 Bing 653; 6 LJOS 166; 1 Moo & P 717 .............................. 13 Rowland v Divall [1923] 2 KB 500 .......................................................................... 78, 82 Royscot Trust Ltd v Rogerson [1991] CCLR 45 .................................................. 22, 38, 91

Said v Butt [1920] 3 KB 497 .................................................................................... 162–4 Sainsbury v Street [1972] 1 WLR 834 ............................................................................ 73 Scott (Donald H) Ltd v Barclays Bank Ltd [1923] 2 KB 1 ............................................. 222 Shanklin Pier v Detel Products [1951] 2 KB 854 ............................................................ 51 Shine v General Guarantee Corp [1988] 1 All ER 911 .................................................... 31 Shogun Finance Ltd v Hudson [2001] EWCA Civ 1001; [2002] QB 834;

[2002] 4 All ER 572 ................................................................................................... 84 Sinason-Teicher Inter-American Grain Corp v Oilcakes and Oilseeds Trading Co Ltd

[1954] 1 WLR 1394 ................................................................................................. 187 Slater v Fining [1997] AC 473 ...................................................................................... 125 Smith v Land and House Property Corporation (1884) 28 Ch D 7 ................................... 22 Smyth (Ross T) & Co Ltd (Liverpool) v WN Lindsay Ltd [1953] 1 WLR 1280 ............. 212 Solley v Wood (1852) 16 Beav 370 ............................................................................... 136 Soproma SpA v Marine & Animal By-Products Corpn

(1966) 1 Lloyd’s Rep 367 .......................................................................... 185, 189, 219 Southern and District Finance plc v Barnes [1996] 1 FCR 679;

[1995] CCLR 62 ............................................................................................... 105, 118 Stach (Ian) Ltd v Baker Bosley Ltd [1958] 2 QB 130, [1958] 1 All ER 542 .......... 183, 187 Stadium Finance v Robbins [1962] 2 All ER 633 ........................................................... 77 Stag Line Ltd v Foscolo, Mango & Co Ltd [1932] AC 328; [1931] All ER Rep 666 ...... 222 Sterns Ltd v Vickers Ltd [1923] 1 KB 78; 92 LJKB 331; [1922] All ER Rep 126 .......... 72 Stevenson v Beverley Bentinck Ltd [1976] 2 All ER 606; [1976] 1 WLR 483;

[1976] RTR 543 ......................................................................................................... 80 Stevenson v Rogers [1999] QB 1028 ............................................................................... 21 Summers v Solomon (1857) 7 E & B 879 ...................................... 160, 166, 168, 174, 176 Suzuki & Co v Burgett & Newsam (1922) 10 Ll L Rep 223 ........................................... 222

Swan, The [1968] 1 Lloyd’s Rep 5 ................................................................. 145, 159, 160

TRM Copy Centres (UK) Ltd v Lanwall Services Ltd [2008] EWCA Civ 382;

[2008] All ER (D) 235 (Apr) ...................................................................................... 96 Teheran Europe Co v Belton (ST) [1968] 2 QB 545 ........................................ 22, 145, 153

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Thornett and Fehr v Beers & Son [1919] 1 KB 486 ......................................................... 30 Thornton v Fehr [1935] 51 Ll Rep 330 ......................................................................... 146 Tiedemann and Ledermann Freres, Re [1899] 2 QB 66 ................................................. 157 Tradax Export SA v André & Cie SA [1976] 1 Lloyd’s Rep 416, CA ............................. 213 Trans Trust SPRL v Danubian Trading Co Ltd [1952] 2 QB 297 .......................... 187, 210 Truk (UK) Ltd v Tokmakidis [2000] 1 Lloyds Rep 543 ..................................... 38, 54, 188 Tsakiroglou & Co Ltd v Noblee Thorl GmbH [1962] AC 93; [1961] 2 All ER 179 ...... 193 Turnbull v Garden [1869] 20 LT 218 ............................................................................ 137 Turner v Goldsmith [1891] 1 QB 544 .......................................................................... 177 Turpin v Bilton [1843] 5 Man & G 455 ........................................................................ 135

Tzelepi, The see Islamic Republic of Iran Shipping Lines v Zannis Compania Naviera SA

UCB Leasing Ltd v Holtom [1987] RTR 362; [1987] NLJ Rep 614 ............................... 95 Union Transport Finance v British Car Auctions [1978] 2 All ER 385 .......................... 119 United Bank of Kuwait v Hamoud [1987] NLJ Rep 921, [1988] 3 All ER 418 ... 169, 177 United Dominions Trust v Taylor [1980] CCLR 29; 1980 SLT 28;

1980 SLT (Sh Ct) 28 ................................................................................................. 130

Vallejo v Wheeler (1774) 1 Coup 143 ............................................................................... 2 Varley v Whipp [1900] 1 QB 513; 69 LJQB 333; 48 WR 363; 44 Sol Jo 263 ................ 66 Victoria Laundry (Windsor) Ltd v Newman Industries Ltd [1949] 1 All ER 997 .... 23, 161

Wadham Stringer v Meaney [1981] 1 WLR 39 ............................................................... 95 Wait, Re [1927] 1 Ch 606 .............................................................................................. 65 Wallis and Wells v Pratt and Haynes [1911] AC 394 ...................................................... 41 Waragowski see Yeoman Credit Ltd v Waragowski

Ward v Bignall [1967] 1 QB 534 ................................................................................... 66 Watteau v Fenwick [1893] 1 QB 346 ................................................... 159, 165–7, 174–6 Waugh v Clifford [1982] CH 374 ......................................................................... 166, 175 Weigall & Co v Runciman & Co (1916) 85 LJ KB 1187 ............................... 135, 150, 159 White and Carter v Macgregor [1962] AC 413 ................................................................. 5 Wickham Holdings v Brooke House Motors [1967] 1 WLR 295 .................................... 82 Wills & Sons Ltd v Brown & Sons (1922) 12 Ll L Rep 292 ............................................ 193 Wilson v First County Trust (No 2) [2003] UKHL 40; [2004] 1 AC 816;

[2003] 4 All ER 97 ................................................................................................... 110 Wimble Sons & Co v Rosenberg & Sons [1913] 3 KB 743 .................................... 196, 204

Yeoman Credit Ltd v Waragowski [1961] 1 WLR 1124 ................................................ 104 Yonge v Toynbee [1910] 1 KB 215 ............................................................................... 172

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TABLE OF STATUTES

Carriage of Goods by Sea Act 1992 ............................................................... 205, 214, 233 s 2(1) ................................................................................................................. 204, 206 Companies Act 2006 ....................................................................................................... 62 s 51 ........................................................................................................................... 146 s 860 ........................................................................................................................... 60

Consumer Credit Act 1974 .................................................. 9, 93, 96–9, 102–4, 111, 112, 114, 115, 120–3, 127, 129, 130 s 8 ............................................................................................................................... 87

s 9 ....................................................................................................................... 87, 123 s 11(1)(a)–(b) ............................................................................................................... 90 s 12(a) ......................................................................................................................... 90 s 12(b) ................................................................................................. 90, 123, 124, 130 s 12(c) ....................................................................................................................... 130 s 15 ....................................................................................................................... 87, 96 s 16 ............................................................................................................................. 94 s 39 ........................................................................................................................... 113 s 40 ..................................................................................................................... 87, 113 s 44 ............................................................................................................................. 87 s 46 ............................................................................................................................. 98 s 56 ....................................................................................... 87, 91–4, 121–3, 125, 128 s 56(1)(a) ..................................................................................................................... 94 s 56(1)(b) ............................................................................................................ 91, 125 s 56(1)(c) ................................................................................................................... 125 s 56(2) ......................................................................................................................... 91 s 56(3), (4) .................................................................................................................. 94 s 57 ....................................................................................................................... 90, 91 s 57(2)–(3) .................................................................................................................. 89 s 59 ............................................................................................................................. 90 ss 60–5 ................................................................................................................. 87, 99

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Q&A COMMERCIAL LAW 2009–2010

s 62(1) ......................................................................................................................... 99 s 63(2) ......................................................................................................................... 99 s 65 ............................................................................................................................. 99 ss 67–74 ..................................................................................................................... 87 s 67 ............................................................................................................................. 89 ss 69–73 ..................................................................................................................... 90 s 69 ............................................................................................................................. 90 s 70(1), (3) .................................................................................................................. 90 s 75 ..................................................................................................... 8–11, 94, 121–31 s 75(1)–(2) ................................................................................................................ 124 s 75(3) ....................................................................................................................... 128 s 76 ........................................................................................................................... 101 ss 87–9 ............................................................................................................... 95, 104 s 87 ................................................................................................... 101, 108, 117, 118 s 88 ................................................................................................................... 104, 117 s 88(2) ....................................................................................................................... 118 s 89 ........................................................................................................................... 104 s 90 ................................................................................... 101, 105, 108, 111, 117, 119 s 91 ........................................................................................................................... 111 s 92 ........................................................................................................... 105, 108, 117 s 92(3) ....................................................................................................................... 109 s 94 ..................................................................................................................... 95, 107 s 95 ........................................................................................................... 104, 106, 107 s 98 ........................................................................................................................... 101 s 99 ................................................................................................. 89, 90, 92, 101, 106 s 100 ................................................................................................................... 92, 106 s 101 ........................................................................................................................... 95 s 102 ........................................................................................................................... 91 s 105 ......................................................................................................................... 110 s 111 ......................................................................................................................... 110 s 113 ................................................................................................................. 110, 111 s 127 ................................................................................................................... 99, 110 s 127(3)–(5) .............................................................................................................. 110 s 129 ......................................................................................................... 101, 105, 117 s 130(2) ..................................................................................................................... 105 s 132 ........................................................................................................................... 95 s 133 ......................................................................................................................... 105

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TABLE OF STATUTES

ss 137–40 ......................................................................................................... 102, 114 s 145 ........................................................................................................................... 97 s 147 ........................................................................................................................... 97 s 148 ........................................................................................................................... 97 s 151(1) ....................................................................................................................... 98 s 167 ........................................................................................................................... 98 s 168 ........................................................................................................................... 98 s 173(1) ..................................................................................................................... 125 s 173(3) ............................................................................................................... 99, 105 s 185 ........................................................................................................................... 93 s 187(1) ..................................................................................................................... 123 s 189 ................................................................................................................... 98, 123 s 189(1) ....................................................................................................... 91, 110, 111 Sched 1 ....................................................................................................................... 98

Consumer Credit Act 2006 ....................... 3, 5, 81, 93, 94, 96, 97, 112–16, 120, 121, 129 ss 1–4 ................................................................................................................... 87, 89 ss 1–2 ......................................................................................................................... 94 s 2 ............................................................................................................................... 97 s 4 ............................................................................................................................... 94 ss 8–12 ..................................................................................................................... 101 s 8 ..................................................................................................................... 103, 105 s 9 ..................................................................................................... 103, 105, 108, 117 s 11 ........................................................................................................................... 103 s 12 ........................................................................................................................... 104 s 13 ................................................................................................................... 104, 131 s 14 ................................................................................................................... 104, 117 s 15 ........................................................................................................................... 110 s 15(1)(c) ..................................................................................................................... 94 s 16 ........................................................................................................................... 118 s 16(2) ....................................................................................................................... 105 s 18 ........................................................................................................................... 104 ss 19–22 ................................................................................................... 101, 112, 114 s 19 ............................................................................................................................. 99 s 25 ................................................................................................................... 107, 113 s 26 ............................................................................................................................. 87 s 29 ........................................................................................................................... 113 s 34 ........................................................................................................................... 113

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