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Claims under Section 75 of the Consumer Credit Act are subject to the six-year limitation period under the Limitation Act 1980, running from when the loss occurred, and Section 140A unfair credit relationship claims require evidence that th

Payment service providers must take proportionate steps to prevent fraud, but customers who proceed with payments despite adequate warnings and questioning bear some responsibility for their losses.

A lender must perform proportionate checks to understand whether a borrower can make payments in a sustainable manner, but if further checks would have still shown affordability, the lending is not irresponsible.

A firm has properly processed withdrawals when it returns funds matching the account balance at the time of withdrawal request, even if those funds are distributed across multiple transfers.

A payment service provider is not liable for incorrect beneficiary details entered by the user if it processes the payment as instructed and provides adequate confirmation documentation.