Consumer credit – Agreement. The claimants had succeeded in obtaining compensation from the defendant creditor company on the basis that the relationship between them had been unfair within the meaning of s 140A of the Consumer Credit Act 1974. The Court of Appeal, Civil Division, in dismissing the defendant's appeal, held that the defendant had been liable for the misrepresentations and breach of the Insurance Conduct of Business Rules of a company deemed its agent, which had led to the claimants obtaining a loan and payment protection insurance.