Cooper v The Freedom Travel Group Ltd

Subject Matter

CONSUMER PROTECTION — Consumer credit — “Debtor” — Claimant injured while on holiday purchased by husband using credit card issued by bank — Claimant bringing claim against travel agent — Claimant seeking to add bank to claim as creditor under debtor-creditor-supplier agreement — Whether claimant “debtor” under husband’s credit card agreement with bank — Whether “debtor” referring only to contractual parties to credit agreement — Whether claimant’s claim against travel agent claim for breach of contract — Consumer Credit Act 1974 (c 39), ss 75, 189(1) — Package Travel, Package Holidays and Package Tours Regulations 1992 (SI 1992/3288), reg 15(2) — Council Directive 90/314/EEC, art 5

[2022] EWCA Civ 1557; [2023] 1 WLR 663; [2023] 2 All ER (Comm) 97; [2022] WLR(D) 467, CA