Steiner v National Westminster Bank plc

Subject Matter

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)

[2022] EWHC 2519 (KB); [2023] Bus LR 300; [2023] 1 All ER (Comm) 787; [2022] WLR(D) 403, KBD