The Business Law Reports
[2023] Bus LR 300
King’s Bench Division: Leeds
Steiner
v
National Westminster Bank plc
[2022] EWHC 2519 (KB)
2022 May 26;Oct 10
Lavender J
Consumer protection— Consumer credit— Agreement— Consumer using credit card issued by defendant bank to finance purchase— Card payment taken not by supplier but by company acting as its trustee— Consumer’s estate relying on statutorily deemed agency provisions to bring claim against bank for misrepresentations allegedly made by supplier— Provisions engaged if credit agreement made by creditor under pre-existing “arrangements” between itself and supplier— Bank having arrangements with trustee company because of joint membership of credit card network— Whether credit card network and trust deed to be regarded as jointly forming arrangements between bank and supplier—
Consumer Credit Act 1974 (c 39), ss 12, 56(1)(2)