Wilson v Secretary of State for Trade and Industry ( )


This woman pawned her car to First County Trust for

GBP 5000

i.e. it was collateral for a loan

This was a contract case about the terms of the loan – had they been made clear and fully agreed? Was the creditor being unfair?

Went to the House of Lords.

The defendants said that the Consumer Credit Act 1974 was incompatible with the ECHR

The Lords ruled that they were  wrong

TThe 1974 was proportionate in balancing the rights of lenders and borrowers. This was because of the GBP 5000 limit


About Calers

Born Belfast 1971. I read history at Edinburgh. I did a Master's at UCL. I have semi-libertarian right wing opinions. I am married with a daughter and a son. I am allergic to cats. I am the falling hope of the not so stern and somewhat bending Tories. I am a legal beagle rather than and eagle. Big up the Commonwealth of Nations.

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