Money – Loan. The first and third defendants sought to recoup loans to the claimant based on the security of her musical instrument. The claimant disputed the claims on the basis that the loan was not enforceable by reference to provisions of the Consumer Credit Act 1974 in relation to the first defendant and that the third defendant's loan had not been validly executed. The Queen's Bench Division held that both defendants were entitled to recoup the monies loaned.