Breeze v TSB Bank plc

Subject Matter

CONSUMER PROTECTION — Consumer credit — Agreement — Claimants entering into credit agreement comprising regulated mortgage and unsecured loan — Claimants alleging unfairness in relationship with debtor arising out of loan agreement and related mortgage — Provision prohibiting court from making order redressing unfairness “in connection with” regulated mortgage — Whether court permitted to take account of terms of mortgage as related agreement in judging fairness of relationship and assessing remedy — Consumer Credit Act 1974 (c 39), ss 140A(1)(5), 140B(1)

[2024] EWHC 2427 (Ch); [2025] Bus LR 158; [2025] 1 All ER (Comm) 849; [2024] WLR(D) 416, Ch D