Consumer credit – Extortionate credit bargain. In proceedings concerning the non-disclosure of commission payments in respect of single payment protection insurance premiums (PPI), the Supreme Court, in dismissing the appeal of the defendant credit company, held that Harrison v Black Horse Ltd[2011] All ER (D) 112 (Oct) had been wrongly decided and that the non-disclosure of commissions payable out of the claimant's PPI premium had made her relationship with the defendant unfair. Consideration was given to s 140A of the Consumer Credit Act 1974.