The court of appeal has considered the application of sections 140A and 140B Consumer Credit Act 1974 in the case of Nelmes v NRAM plc (2016) EWCA Civ 491 in a decision that will hearten lenders rather than borrowers. The judgment can be found here: http://www.bailii.org/cgi-bin/format.cgi?doc=/ew/cases/EWCA/Civ/2016/491.html&query=(2016)+AND+(ewca)+AND+(civ)+AND+(491)
