National Westminster Bank Plc v Devon County Council, Devon County Council v Abbey National Plc: QBD 16 Jul 1993

A lender may use an initial fixed rate as the basis for an APR quotation. The APR on a 25 year mortgage may be calculated on the initial fixed rate not the subsequent variable one.

Citations:

Independent 25-Aug-1993, Times 16-Jul-1993

Statutes:

Consumer Credit Act 1974 46

Consumer, Banking

Updated: 09 April 2022; Ref: scu.84213

Formula One Autocentres Ltd v Birmingham City Council: QBD 29 Dec 1998

A return of a serviced car to its owner by a garage is a supply of goods (not merely services) within the section, and a garage owner can be prosecuted under the Act accordingly. The return of the vehicle transferred and so supplied the vehicle.

Citations:

Times 29-Dec-1998

Statutes:

Trade Descriptions Act 1968 1(1)(a)

Consumer

Updated: 08 April 2022; Ref: scu.80637

Finnair Oyj v Keskinainen Vakuutusyhtio Fennia: ECJ 12 Apr 2018

Air Transport – Liability of Air Carriers for Checked Baggage – Judgment – Reference for a preliminary ruling – Air transport – Montreal Convention – Article 31 – Liability of air carriers for checked baggage – Requirements as to the form and content of the written complaint sent to the air carrier – Complaint made electronically and recorded in the air carrier’s information system – Complaint made on behalf of the person entitled to delivery of checked baggage or cargo by an agent of the air carrier

Citations:

C-258/16, [2018] EUECJ C-258/16

Links:

Bailii

Jurisdiction:

European

Transport, Consumer

Updated: 07 April 2022; Ref: scu.608637

Federation Des Entreprises De La Beaute: ECJ 12 Apr 2018

Approximation of Laws – Cosmetic Products – Judgment – Reference for a preliminary ruling – Approximation of laws – Cosmetic products – Regulation (EC) No 1223/2009 – Article 10(2) – Assessment of the safety of cosmetic products – Qualifications of the safety assessor – Recognition of equivalent training courses – Disciplines similar to pharmacy, toxicology or medicine – Member States’ discretion

Citations:

ECLI:EU:C:2018:246,, [2018] EUECJ C-13/17

Links:

Bailii

Jurisdiction:

European

Consumer

Updated: 07 April 2022; Ref: scu.608636

Ilsinger v Martin Dreschers: ECJ 14 May 2009

Jurisdiction in civil and commercial matters ‘ Regulation (EC) No 44/2001 ‘ Jurisdiction over consumer contracts ‘ Entitlement of a consumer to whom misleading advertising has been sent to seek payment, in judicial proceedings, of the prize which he has apparently won ‘ Classification ‘ Action of a contractual nature covered by Article 15(1)(c) of that regulation ‘ Conditions

Citations:

[2009] EUECJ C-180/06

Links:

Bailii

Jurisdiction:

European

Citing:

OpinionIlsinger v Martin Dreschers ECJ 11-Sep-2008
ECJ (Area Of Freedom, Security and Justice) Regulation (EC) No 44/2001 Article 15 (1) (c) Jurisdiction over consumer contracts Promise of consumer gain Conclusion of a contract Consumer protection Continuity . .
Lists of cited by and citing cases may be incomplete.

Consumer

Updated: 07 April 2022; Ref: scu.608374

Southern Gas Networks Plc v Thames Water Utilities Ltd: CA 25 Jan 2018

‘Where supply of gas is interrupted, a customer is generally entitled to statutory compensation payments from his gas distributor. This appeal concerns the question of who should ultimately bear the cost of those payments where the interruption to the gas supply was caused by another services undertaker, in this case a water company which had negligently allowed water to escape from its pipes and enter nearby gas pipes. Is it the gas undertaker, or the water undertaker?’

Citations:

[2018] EWCA Civ 33

Links:

Bailii

Jurisdiction:

England and Wales

Utilities, Consumer

Updated: 04 April 2022; Ref: scu.604153

Asociacion Profesional Elite Taxi v Uber Systems Spain: ECJ 20 Dec 2017

Freedom of Establishment – Freedom To Provide Services Internal Market – Principles Approximation of Laws Consumer protection – Reference for a preliminary ruling – Article 56 TFEU – Article 58(1) TFEU – Services in the field of transport – Directive 2006/123/EC – Services in the internal market – Directive 2000/31/EC – Directive 98/34/EC – Information society services – Intermediation service to connect, by means of a smartphone application and for remuneration, non-professional drivers using their own vehicle with persons who wish to make urban journeys – Requirement for authorisation

Citations:

[2017] EUECJ C-434/15

Links:

Bailii

Jurisdiction:

European

Consumer

Updated: 02 April 2022; Ref: scu.602066

Gahan v Emirates: CA 12 Oct 2017

The court was asked whether the right to compensation against a non-Community carrier is available at all under Regulation 261, if the flight is to a destination outside the EU, and whether the right to compensation can take account of delay on a connecting flight starting or ending outside the EU.

Judges:

Arden Lewison, McCombe LJJ

Citations:

[2017] EWCA Civ 1530

Links:

Bailii

Statutes:

Regulation (EC) No 261/2004 261

Jurisdiction:

England and Wales

European, Transport, Consumer

Updated: 30 March 2022; Ref: scu.596088

Schottelius v Falk Seifert: ECJ 7 Sep 2017

Consumer Protection – Sale of Consumer Goods and Associated Guarantees : Judgment – Reference for a preliminary ruling – Consumer protection – Directive 1999/44/EC – Sale of consumer goods and associated guarantees – Notion of ‘contract of sale’ – Inapplicability of that directive – Lack of jurisdiction of the Court

Citations:

C-247/16, [2017] EUECJ C-247/16

Links:

Bailii

Statutes:

Directive 1999/44/EC

Jurisdiction:

European

Consumer

Updated: 29 March 2022; Ref: scu.593584

African Export-Import Bank and Others v Shebah Exploration and Production Company Ltd and Others: CA 28 Jun 2017

The court was asked as to the interpretation of the phrase ‘deals . . On the other’s written standard terms of business’.

Judges:

Longmore, Henderson LJJ

Citations:

[2017] EWCA Civ 845

Links:

Bailii

Statutes:

Unfair Contract Terms Act 1977 3

Jurisdiction:

England and Wales

Contract, Consumer

Updated: 27 March 2022; Ref: scu.588315

W and Others v Sanofi Pasteur MSD SNC and Others: ECJ 21 Jun 2017

ECJ (Liability for Defective Products – Pharmaceutical Laboratories : Judgment) Reference for a preliminary ruling – Directive 85/374/EEC – Liability for defective products – Article 4 – Pharmaceutical laboratories – Vaccination against hepatitis B – Multiple sclerosis – Proof of defect of vaccine and of causal link between the defect and the damage suffered – Burden of proof – Methods of proof – Lack of scientific consensus – Serious, specific and consistent evidence left to the discretion of the court ruling on the merits – Whether permissible – Conditions

Citations:

C-621/15, [2017] EUECJ C-621/15

Links:

Bailii

Statutes:

Directive 85/374/EEC 4

Jurisdiction:

European

Consumer

Updated: 27 March 2022; Ref: scu.588310

Menini and Rampanelli v Banco Popolare Societa Cooperativa: ECJ 14 Jun 2017

ECJ (Approximation of Laws Approximation of Laws Consumer Protection : Judgment) Reference for a preliminary ruling – Consumer protection – Alternative dispute resolution (ADR) procedures – Directive 2008/52/EC – Directive 2013/11/EU – Article 3(2) – Applications by consumers to set an order aside in the context of payment order proceedings instituted by a credit institution – Right of access to the judicial system – National legislation providing for mandatory recourse to a mediation procedure – Obligation to be assisted by a lawyer – Condition for the admissibility of proceedings before the courts

Citations:

C-75/16, [2017] EUECJ C-75/16

Links:

Bailii

Jurisdiction:

European

Consumer

Updated: 27 March 2022; Ref: scu.588289

Baker v KTM Sportmotorcycle UK Ltd and Another: CA 3 May 2017

The claimant was riding a motorcycle constructed by the appellant. The front brakes seized, and he was badly injured. KTM now challenged a finding that the galvanic corrosion which led to the seizure was a fault within the 1987 Act.
Held: The appeal failed. The recorder had identified the relevant issues and the evidence before him supported his conclusion.

Citations:

[2017] EWCA Civ 378

Links:

Bailii

Statutes:

Consumer Protection Act 1987 3(1)

Jurisdiction:

England and Wales

Personal Injury, Consumer

Updated: 27 March 2022; Ref: scu.588197

Rosalba Alassini and Others: ECJ 18 Mar 2010

Reference for a preliminary ruling Principle of effective judicial protection Electronic communications networks and services Directive 2002/22/EC Universal Service Disputes between end’users and providers Mandatory to attempt an out-of-court settlement

Citations:

[2010] EUECJ C-320/08

Links:

Bailii

Jurisdiction:

European

Citing:

OpinionRosalba Alassini and Others ECJ 19-Nov-2009
ECJ (Environment And Consumers) Opinion – Legal disputes between end-users and providers in the area of electronic communications – Directive 2002/22/EC Mandatory out-of-court dispute resolution as a condition . .
Lists of cited by and citing cases may be incomplete.

Consumer

Updated: 27 March 2022; Ref: scu.588173

VTB-VAB v Total Belgium NV; Galatea BVBA v Sanoma Magazines Belgium NV: ECJ 23 Apr 2009

ECJ Directive 2005/29/EC Unfair commercial practices – National legislation prohibiting combined offers to consumers

Citations:

[2009] EUECJ C-261/07, [2009] ECR I-2949, [2009] 3 CMLR 17

Links:

Bailii

Jurisdiction:

European

Citing:

OpinionVTB-VAB v Total Belgium NV; Galatea BVBA v Sanoma Magazines Belgium NV ECJ 21-Oct-2008
ECJ (Approximation of Laws) Opinion – Admissibility of a reference for a preliminary ruling – Proper subject of interpretation Relevance to the decision Combined offers – Directive 2005/29/EC – Interpretation in . .
Lists of cited by and citing cases may be incomplete.

Consumer

Updated: 27 March 2022; Ref: scu.588024

Donoghue (or M’Alister) v Stevenson: HL 26 May 1932

Decomposed Snail in Ginger Beer Bottle – Liability

The appellant drank from a bottle of ginger beer manufactured by the defendant. She suffered injury when she found a half decomposed snail in the liquid. The glass was opaque and the snail could not be seen. The drink had been bought for her by a friend, so she was unable to rely upon any contract.
Held: The English and the Scots law on the subject are identical. The pursuer was entitled to recover damages for negligence. The manufacturer intended that the contents be consumed without the opportunity first to examine them, and unless reasonable care was taken in the preparation a consumer may suffer injury. The cases of George v. Skivington and `the dicta in Heaven v. Pender ‘should be buried so securely that their perturbed spirits shall no longer vex the law.’ (Majority) The nature of an article ‘may very well call for different degrees of care’. ‘the person dealing with [an inherently dangerous article] may well contemplate persons as being within the sphere of his duty to take care who would not be sufficiently proximate with less dangerous goods; so that not only the degree of care but the range of persons to whom the duty is owed may be extended.’
Lord Atkin said: ‘. . the lawyer’s question, Who is my neighbour? receives a restricted reply. You must take reasonable care to avoid acts or omissions which you can reasonably foresee would be likely to injure your neighbour. Who, then, in law is my neighbour? The answer seems to be – persons who are so closely and directly affected by my act that I ought reasonably to have them in contemplation as being so affected when I am directing my mind to the acts or omissions which are called in question.’

Judges:

Atkin, Thankerton, MacMillan, Buckmaster Tomlin LL

Citations:

[1932] AC 562, [1932] SC (HL) 31, [1932] ScLT 317, [1932] All ER Rep 1, (1932) 101 LJPC 119, (1932) 147 LT 281, [1932] SLT 317, (1932) 48 TLR 494, (1932) 37 Com Cas 350, [1932] UKHL 100, [1932] Sol Jo 396, [1932] WN 139, [1932] SC 31, (1933) 4 DLR 337, 533 CA 47

Links:

Bailii

Jurisdiction:

Scotland

Citing:

CitedLe Lievre v Gould CA 6-Feb-1893
Mortgagees of the interest of a builder under a building agreement, advanced money to him from time to time, relying upon certificates given by a surveyor as to stages reached. The surveyor was not appointed by the mortgagees, and there was no . .
ApprovedGeorge v Skivington 1869
There was an injury to the wife, from a hair wash purchased under a contract of sale with the husband.
Held: The wife had a good cause of action. There was a duty in the vendor to use ordinary care in compounding the article sold, and that . .
Dicta ConsideredHeaven v Pender, Trading As West India Graving Dock Company CA 30-Jul-1883
Duty Arising to Use Ordinary Care and Skill
The plaintiff was a painter. His employer engaged to repaint a ship, and the defendant erected staging to support the work. The staging collapsed because one of the ropes was singed and weakened, injuring the plaintiff.
Held: The defendant had . .
OverruledMullen v Barr and Co Ld, and M’Gowan v Barr and Co Ld 1929
A mouse was found in a bottle. The buyer claimed damages for the shock: ‘In a case like the present, where the goods of the defenders are widely distributed throughout Scotland, it would seem little short of outrageous to make them responsible to . .
CitedLongmeid v Holliday 1851
A defective lamp was sold to a man whose wife was injured by its explosion. The seller of the lamp, against whom the action was brought, was not the manufacturer.
Held: No general duty of care was owed by a manufacturer of a lamp to a user.
DistinguishedLangridge v Levy ExP 1836
A man sold a gun which he knew to be dangerous for the use of the purchaser’s son. The gun exploded in the son’s hands.
Held: The son had a right of action in tort against the gunmaker, but, Parke B said: ‘We should pause before we made a . .
CitedWinterbottom v Wright 1842
Owing to negligence in the construction of a carriage it broke down. A third party sought damages for injuries which he alleged were due to negligence in the work.
Held: The doctrine of privity of contract precluded actions in tort by third . .
CitedEarl v Lubbock CA 1905
The plaintiff was injured when a wheel came off a van which he was driving for his employer, and which it was the duty of the defendant, under contract with the employer, to keep in repair. The county court judge and the Divisional Court both hold . .
CitedBlacker v Lake and Elliot Ld HL 1912
A brazing lamp which, by exploding owing to a latent defect, injured a person other than the purchaser of it, and the vendor was held not liable to the party injured. The House considered earlier cases on liability for defectively manufactured . .
CitedBlackmore v Bristol and Exeter Ry Co 1858
. .
CitedCollis v Selden 1868
The defendant installed a chandelier in a public house. It fell and injured the plaintiff.
Held: There was nothing to say that the defendant had any knowledge that the plaintiff, as opposed to members of the public in general, would enter the . .
CitedBates v Batey & Ld 1913
The defendants, who manufactured ginger beer, were held not liable to a consumer (who had purchased from a retailer one of their bottles) for injury occasioned by the bottle bursting as the result of a defect of which the defendants did not know, . .
CitedThomas v Winchester 1852
(New York) A chemist carelessly issued poison in answer to a request for a harmless drug, and he was held responsible to a third party injured by his neglect. . .
CitedMacPherson v Buick Motor Co 1916
(New York Court of Appeal) A manufacturer of a defective motor-car was held liable for damages at the instance of a third party. A motor-car might reasonably be regarded as a dangerous article: ‘There is no claim that the defendant know of the . .
CitedCunnington v Great Northern Ry Co 1883
. .
CitedHawkins v Smith QBD 1896
A dock labourer in the employ of the dock company was injured by a defective sack which had been hired by the consignees from the defendant, who knew the use to which it was to be put, and had been provided by the consignees for the use of the dock . .
CitedElliott v Hall QBD 1885
The defendants, colliery owners, consigned coal to the plaintiff’s employers, coal merchants, in a truck hired by the defendants from a wagon company. The plaintiff was injured in the course of unloading the coal by reason of the defective condition . .
CitedOliver v Saddler and Co HL 1929
Stevedores had been employed to unload a cargo of maize in bags. They provided the rope slings by which the cargo was raised to the ship’s deck by their own men using the ship’s tackle, and then transported to the dockside by the shore porters, of . .
CitedGrote v Chester and Holyhead Ry CEC 1848
The defendants had constructed a bridge over the Dee on their railway and had licensed the use of the bridge to the Shrewsbury and Chester Railway to carry passengers over it, and had so negligently constructed the bridge that the plaintiff, a . .
CitedDixon v Bell 18-Jun-1816
The defendant had left a loaded gun at his lodgings and sent his servant, a mulatto girl aged about thirteen or fourteen, for the gun, asking the landlord to remove the priming and give it her. The landlord did remove the priming and gave it to the . .
CitedHodge and Sons v Anglo-American Oil Co 1922
The plaintiffs, London barge repairers claimed after an explosion on the Anglo-American Oil Company’s oil tank barge Warwick, when she was being repaired by the plaintiffs, to whom she had been sent for that purpose by the defendants. As a result of . .
CitedBrass v Maitland 1856
There is an implied warranty from a consignor to the carrier as to the non-dangerous nature of what is to be carried. . .
CitedDominion Natural Gas Co Ltd v Collins 1909
The defendants had installed a gas apparatus to provide natural gas on the premises of a railway company. They had installed a regulator to control the pressure and their men negligently made an escape-valve discharge into the building instead of . .
CitedFarrant v Barnes 1862
A duty of care from a consignor to a carrier’s servant that the goods to be transported can be safely carried, is owed independently of any contract. . .
CitedCaledonian Ry Co v Mulholland or Warwick HL 1898
The appellant company were held not liable for injuries caused by a defective brake on a coal wagon conveyed by the railway company to a point in the transit where their contract ended, and where the wagons were taken over for haulage for the last . .
CitedCavalier v Pope HL 22-Jun-1906
The wife of the tenant of a house let unfurnished sought to recover from the landlord damages for personal injuries arising from the non-repair of the house, on the ground that the landlord had contracted with her husband to repair the house.
CitedEmmens v Pottle CA 1885
A subordinate distributor, here a vendor of newspapers, can plead the common law defence to defamation, of innocent dissemination.
Held: The vendor was prima facie liable, and therefore had to demonstrate the defence to avoid liability. He . .
CitedGordon v M’Hardy 1903
The pursuer sought to recover damages from a retail grocer on account of the death of his son by ptomaine poisoning, caused by eating tinned salmon purchased from the defender. The pursuer averred that the tin, when sold, was dented, but he did not . .
CitedBottomley v Bannister CA 1932
The deceased man, the father of the plaintiff, had taken an unfurnished house from the defendants, who had installed a gas boiler with a special gas-burner which if properly regulated required no flue. The deceased and his wife were killed by fumes . .
CitedWhite v Steadman 1913
Lush J said: ‘a person who has the means of knowledge and only does not know that the animal or chattel which he supplies is dangerous because he does not take ordinary care to avail himself of his opportunity of knowledge is in precisely the same . .
CitedClelland v Robb 1911
If a man has no duty or obligation of diligence, he cannot be charged with negligence. . .
CitedKemp and Dougall v Darngavil Coal Co 1909
A man cannot be charged with negligence if he has no obligation to exercise diligence. . .

Cited by:

CitedAlcock and Others v Chief Constable of South Yorkshire Police CA 31-May-1991
The defendant policed a football match at which many people died. The plaintiffs, being relatives and friends of the deceased, inter alia suffered nervous shock having seen the events either from within the ground, or from outside or at home on . .
CitedK v the Secretary of State for the Home Department CA 31-May-2002
The applicant sought damages from the defendant who had released from custody pending deportation a man convicted of violent sexual crimes and who had then raped her. She appealed against a strike out of her claim. She had been refused information . .
CitedBritish Railways Board v Herrington HL 16-Feb-1972
Land-owner’s Possible Duty to Trespassers
The plaintiff, a child had gone through a fence onto the railway line, and been badly injured. The Board knew of the broken fence, but argued that they owed no duty to a trespasser.
Held: Whilst a land-owner owes no general duty of care to a . .
CitedDorset Yacht Co Ltd v Home Office HL 6-May-1970
A yacht was damaged by boys who had escaped from the supervision of prison officers in a nearby Borstal institution. The boat owners sued the Home Office alleging negligence by the prison officers.
Held: Any duty of a borstal officer to use . .
DistinguishedCandler v Crane Christmas and Co CA 15-Dec-1950
Though the accounts of the company in which the plaintiff had invested had been carelessly prepared and gave a wholly misleading picture of the state of the company, the plaintiff could not recover damages. A false statement, carelessly, as . .
CitedStovin v Wise, Norfolk County Council (Third Party) HL 24-Jul-1996
Statutory Duty Does Not Create Common Law Duty
The mere existence of statutory power to remedy a defect cannot of itself create a duty of care to do so. A highway authority need not have a duty of care to highway users because of its duty to maintain the highway. The two stage test ‘involves . .
CitedBellefield Computer Services Limited, Unigate Properties Limited; Unigate Dairies Limited; Unigate (Uk) Limited; Unigate Dairies (Western) Limited v E Turner and Sons Limited Admn 28-Jan-2000
The Defendant builders constructed a steel building to be used as, inter alia. a dairy. The original owners sold it to the appellants. A fire spread from the storage area to the rest of the dairy and caused much damage. The Builders, had they . .
CitedDutton v Bognor Regis Urban District Council CA 1972
The court considered the liability in negligence of a Council whose inspector had approved a building which later proved defective.
Held: The Council had control of the work and with such control came a responsibility to take care in . .
AppliedTate and Lyle Industries Ltd v Greater London Council HL 24-Mar-1983
The plaintiff had constructed and used two jetties, and dredged a channel down to the Thames for their use. The Council constructed two terminals nearby, the result of which was to cause a build up of silt blocking the channel.
Held: The . .
CitedDennis v Charnwood Borough Council CA 1983
The respondent approved plans for a new house. The raft foundation was inadequate and serious cracks developed. The authority appealed a finding of negligence in having approved defective plans.
Held: The appeal failed. The authority had a . .
CitedCaparo Industries Plc v Dickman and others HL 8-Feb-1990
Limitation of Loss from Negligent Mis-statement
The plaintiffs sought damages from accountants for negligence. They had acquired shares in a target company and, relying upon the published and audited accounts which overstated the company’s earnings, they purchased further shares.
Held: The . .
CitedThe Attorney General v Hartwell PC 23-Feb-2004
PC (The British Virgin Islands) A police officer had taken the police revolver, and used it to shoot the claimant. It was alleged that the respondent police force were vicariously liable for his acts and also . .
AppliedBurfitt v A and E Kille 1939
A shopkeeper in Minehead sold a ‘blank cartridge pistol’ to a twelve year old boy. Later, when the boy fired the pistol in the air, the plaintiff was injured by a tiny piece of copper going into his eye.
Held: The duty of care was owed not . .
CitedBolam v Friern Hospital Management Committee QBD 1957
Professional to use Skilled Persons Ordinary Care
Negligence was alleged against a doctor.
Held: McNair J directed the jury: ‘Where some special skill is exercised, the test for negligence is not the test of the man on the Clapham omnibus, because he has not got this special skill. The test . .
CitedBinod Sutradhar v Natural Environment Research Council CA 20-Feb-2004
The defendant council had carried out research into a water supply in India in the 1980s. The claimant drank the water, and claimed damages for having consumed arsenic in it.
Held: There is a close link between the tests in law for proximity . .
CitedBlake v Galloway CA 25-Jun-2004
The claimant was injured whilst playing about with other members of his band throwing sticks at each other. The defendant appealed against a denial of his defence on non fit injuria.
Held: The horseplay in which the five youths were engaged . .
CitedHedley Byrne and Co Ltd v Heller and Partners Ltd HL 28-May-1963
Banker’s Liability for Negligent Reference
The appellants were advertising agents. They were liable themselves for advertising space taken for a client, and had sought a financial reference from the defendant bankers to the client. The reference was negligent, but the bankers denied any . .
CitedOld Gate Estates Ltd v Toplis and Harding and Russell 1939
The case of Donoghue -v- Stevenson was restricted in its application to cases of negligence causing damage to life, limb or health. . .
CitedMcTear v Imperial Tobacco Ltd OHCS 31-May-2005
The pursuer sought damages after her husband’s death from lung cancer. She said that the defenders were negligent in having continued to sell him cigarettes knowing that they would cause this.
Held: The action failed. The plaintiff had not . .
CitedWatson v Fram Reinforced Concrete Co (Scotland) Ltd HL 1960
A workman had been injured through the breaking of a defective part in the machine with which he was working. He brought an action of damages against his employers, and later convened as second defenders the manufacturers of the machine, who had . .
SummarisedLondon Graving Dock Co Ltd v Horton HL 1951
An experienced welder had for a month been carrying out work on a ship as an employee of sub-contractors engaged by ship-repairers in occupation of the ship. He was injured, without negligence on his part, owing to the inadequacy of certain staging, . .
CitedMurphy v Brentwood District Council HL 26-Jul-1990
Anns v Merton Overruled
The claimant appellant was a house owner. He had bought the house from its builders. Those builders had employed civil engineers to design the foundations. That design was negligent. They had submitted the plans to the defendant Council for approval . .
CitedJolley v Sutton London Borough Council HL 24-May-2000
An abandoned boat had been left on its land and not removed by the council. Children tried to repair it, jacked it up, and a child was injured when it fell. It was argued for the boy, who now appealed dismissal of his claim by the Court of Appeal, . .
CitedNational Westminster Bank plc v Spectrum Plus Limited and others HL 30-Jun-2005
Former HL decision in Siebe Gorman overruled
The company had become insolvent. The bank had a debenture and claimed that its charge over the book debts had become a fixed charge. The preferential creditors said that the charge was a floating charge and that they took priority.
Held: The . .
CitedLMS International Ltd and others v Styrene Packaging and Insulation Ltd and others TCC 30-Sep-2005
The claimants sought damages after their premises were destroyed when a fire started in the defendants neighbouring premises which contained substantial volumes of styrofoam. They alleged this was an unnatural use of the land.
Held: To . .
CitedFrench and others v Chief Constable of Sussex Police CA 28-Mar-2006
The claimants sought damages for psychiatric injury. They were police officers who had been subject to unsuccessful proceedings following a shooting of a member of the public by their force.
Held: The claim failed: ‘these claimants have no . .
CitedJain and Another v Trent Strategic Health Authority CA 22-Nov-2007
The claimant argued that the defendant owed him a duty of care as proprietor of a registered nursing home in cancelling the registration of the home under the 1984 Act. The authority appealed a finding that it owed such a duty.
Held: The . .
CitedLeakey v The National Trust for Places of Historic Interest or Natural Beauty CA 31-Jul-1979
Natural causes were responsible for soil collapsing onto neighbouring houses in Bridgwater.
Held: An occupier of land owes a general duty of care to a neighbouring occupier in relation to a hazard occurring on his land, whether such hazard is . .
CitedD Pride and Partners (A Firm) and Others v Institute for Animal Health and Others QBD 31-Mar-2009
The claimants sought damages after the loss of business when the defendants’ premises were the source of an outbreak of foot and mouth disease. The organism had escaped from their premises via a broken drain.
Held: Much of the damage claimed . .
ExplainedBolton v Stone HL 10-May-1951
The plaintiff was injured by a prodigious and unprecedented hit of a cricket ball over a distance of 100 yards. He claimed damages in negligence.
Held: When looking at the duty of care the court should ask whether the risk was not so remote . .
CitedWhippey v Jones CA 8-Apr-2009
The claimant was running along a river embankment. A large dog owned by the appellant, taking it for a walk, was off the leash. It ran out at the claimant who broke his ankle falling into the river. The defendant appealed against a finding that he . .
CitedSmith v Scott ChD 1973
It is not open to the court to reshape the law relating to the rights and liabilities of landowners by applying the principle of Donoghue v Stevenson [1932] AC 562 and thus saying that a landowner owed a duty of care to his neighbour when selecting . .
CitedWoodland v Essex County Council CA 9-Mar-2012
The claimant had been injured in a swimming pool during a lesson. The lesson was conducted by outside independent contractors. The claimant appealed against a finding that his argument that they had a non-delegable duty of care was bound to fail. . .
CitedGlaister and Others v Appelby-In-Westmorland Town Council CA 9-Dec-2009
The claimant was injured when at a horse fair. A loose horse kicked him causing injury. They claimed in negligence against the council for licensing the fair without ensuring that public liability insurance. The Council now appealed agaiinst a . .
CitedAlcock and Others v Chief Constable of South Yorkshire Police QBD 31-Jul-1990
Overcrowding at a football match lead to the deaths of 95 people. The defendant’s employees had charge of safety at the match, and admitted negligence vis-a-vis those who had died and been injured. The plaintiffs sought damages, some of them for . .
CitedTaylor v A Novo (UK) Ltd CA 18-Mar-2013
The deceased had suffered a head injury at work from the defendant’s admitted negligence. She had been making a good recovery but then collapsed and died at home from pulmonary emboli, and thrombosis which were a consequence of the injury. The . .
CitedAlcock and Others v Chief Constable of South Yorkshire Police HL 28-Nov-1991
The plaintiffs sought damages for nervous shock. They had watched on television, as their relatives and friends, 96 in all, died at a football match, for the safety of which the defendants were responsible. The defendant police service had not . .
CitedStannard (T/A Wyvern Tyres) v Gore CA 4-Oct-2012
The defendant, now appellant, ran a business involving the storage of tyres. The claimant neighbour’s own business next door was severely damaged in a fire of the tyres escaping onto his property. The court had found him liable in strict liability . .
CitedWoodland v Essex County Council SC 23-Oct-2013
The claimant had been seriously injured in an accident during a swimming lesson. She sought to claim against the local authority, and now appealed against a finding that it was not responsible, having contracted out the provision of swimming . .
CitedChaudry v Prabhakar CA 1988
The plaintiff sued a friend of hers for wrongly advising her that a car she was thinking of buying was in good condition.
Held: An agent, even a volunteer, owed a duty of care appropriate for those circumstances. The measurement was objective, . .
CitedRegina v The Secretary of State for the Environment, ex Parte Ostler CA 16-Mar-1976
Statutory Challenge must be timely
The applicant had not taken objection to a proposed road scheme believing wrongly that it would not affect his business. Other objectors had withdrawn because of secret re-assurances given to them by the respondent.
Held: The court was asked, . .
CitedMichael and Others v The Chief Constable of South Wales Police and Another SC 28-Jan-2015
The claimants asserted negligence in the defendant in failing to provide an adequate response to an emergency call, leading, they said to the death of their daughter at the hands of her violent partner. They claimed also under the 1998 Act. The . .
CitedHowmet Ltd v Economy Devices Ltd and Others CA 31-Aug-2016
Appeal by the owners of a factory which suffered fire damage against a judgment dismissing their action. The owners claimed damages against the manufacturers of a device which, they said, should have prevented the fire from occurring. This takes us . .
CitedWooldridge v Sumner and Another CA 4-Jun-1962
The plaintiff photographer was injured when attending a show jumping competition at the White City Stadium. A horse caught him as it passed.
Held: The defendant’s appeal against the finding of negligence succeeded: ‘a competitor or player . .
CitedPaul and Another v The Royal Wolverhampton NHS Trust QBD 4-Jun-2020
Nervous shock – liability to third parties
The claimants witnessed the death of their father from a heart attack. They said that the defendant’s negligent treatment allowed the attack to take place. Difficult point of law about the circumstances in which a defendant who owes a duty of care . .
CitedJames-Bowen and Others v Commissioner of Police of The Metropolis SC 25-Jul-2018
The Court was asked whether the Commissioner of Police of the Metropolis (‘the Commissioner’) owes a duty to her officers, in the conduct of proceedings against her based on their alleged misconduct, to take reasonable care to protect them from . .
CitedPoole Borough Council v GN and Another SC 6-Jun-2019
This appeal is concerned with the liability of a local authority for what is alleged to have been a negligent failure to exercise its social services functions so as to protect children from harm caused by third parties. The principal question of . .
Lists of cited by and citing cases may be incomplete.

Negligence, Consumer

Leading Case

Updated: 11 February 2022; Ref: scu.180110

Terre Wallonne v Wallonia: ECJ 17 Jun 2010

ECJ Directive 2001/42/EC – Assessment of the effects of certain plans and programmes on the environment – Directive 91/676/EEC – Protection of waters against pollution caused by nitrates from agricultural sources – Action programmes in respect of vulnerable zones

Citations:

[2010] EUECJ C-110/09, [2010] ECR I-5611

Links:

Bailii

Statutes:

Directive 2001/42/EC, Directive 91/676/EEC

Jurisdiction:

European

Citing:

OpinionTerre Wallonne v Wallonia ECJ 4-Mar-2010
ECJ Directive 2001/42 / EC – Assessment of the effects of certain plans and programs on the environment – Directive 91/676 / EEC – Protection of waters against pollution caused by nitrates from agricultural . .

Cited by:

CitedHS2 Action Alliance Ltd, Regina (on The Application of) v The Secretary of State for Transport and Another SC 22-Jan-2014
The government planned to promote a large scale rail development (HS2), announcing this in a command paper. The main issues, in summary, were, first, whether it should have been preceded by strategic environmental assessment, under the relevant . .
Lists of cited by and citing cases may be incomplete.

Consumer, Environment

Updated: 31 January 2022; Ref: scu.575308

Planta Tabak v Land Berlin: ECJ 4 Jul 2018

Approximation of Laws – Manufacture, Presentation and Sale of Tobacco Products – Opinion – Reference for a preliminary ruling – Approximation of laws – Manufacture, presentation and sale of tobacco products – Directive 2014/40/EU – Article 7(1) and (7) – Prohibition on the placing on the market of tobacco products with characterising flavours – Article 7(14) – Transitional period for tobacco products with a characterising flavour whose European Union-wide sales volumes represent 3% or more in a particular product category – Assessment of validity – Principle of equal treatment – Article 13(1)(c) – Interpretation – Prohibition on any element or feature that refers to taste, smell, flavourings or other additives or the absence thereof – Application to tobacco products containing a characterising flavour whose sale is still permitted after 20 May 2016

Citations:

ECLI:EU:C:2018:530, C-220/17, [2018] EUECJ C-220/17 – O, [2019] EUECJ C-220/17

Links:

Bailii, Bailii

Jurisdiction:

European

Consumer

Updated: 30 January 2022; Ref: scu.620036

Newby Foods Ltd, Regina (on The Application of) v Food Standards Agency: CA 25 May 2017

Appeal by the Food Standards Agency against a decision in which he allowed in part a claim for judicial review by Newby Foods Limited and held, inter alia, that certain chicken and pork products manufactured by Newby should not be classified as mechanically separated meat.

Judges:

Lloyd Jones, Beatson, Moylan LJJ

Citations:

[2017] EWCA Civ 400

Links:

Bailii

Statutes:

EU Regulation No. 853/2004

Jurisdiction:

England and Wales

Citing:

See AlsoNewby Foods Ltd, Regina (on The Application of) v Food Standards Agency Admn 16-Jul-2013
. .
See AlsoNewby Foods Ltd, Regina (on The Application of) v Food Standards Agency (No 2) Admn 26-Jul-2013
. .
See AlsoNewby Foods Ltd, Regina (on The Application of) v Food Standards Agency (No 4) Admn 22-Nov-2013
The claimant sought an order to allow it to continue to produce meat products for sale and an associated costs award. . .
See AlsoNewby Foods Ltd, Regina (on The Application of) v Food Standards Agency and Others Admn 24-Oct-2013
. .
See AlsoNewby Foods Ltd, Regina (on The Application of) v Food Standards Agency (No 7) Admn 7-May-2014
. .
See AlsoNewby Foods Ltd, Regina (on The Application of) v Food Standards Agency and Another Admn 21-May-2014
. .
See AlsoNewby Foods Ltd v Food Standards Agency ECJ 16-Oct-2014
ECJ Judgment – Protection of health – Regulation (EC) No 853/2004 – Hygiene rules for food of animal origin – Annex I, points 1.14 and 1.15 – Concepts of ‘mechanically separated meat’ and ‘meat preparations’ – . .
See AlsoNewby Foods Ltd, Regina (on The Application of) v Food Standards Agency Admn 23-Mar-2016
Application of principles identified by ECJ on reference as to to the process of separating fresh meat from flesh bearing bones of pork and from chicken carcasses carried out by Newby. . .

Cited by:

Appeal fromNewby Foods Ltd, Regina (on The Application of) v Food Standards Agency SC 3-Apr-2019
The parties disputed the classification and labelling of mechanically separated meats (‘MSM’) under EU law. The ECJ had imposed a moratorium on certain products. Newby challenged that unsuccessfully, but now Newby appealed to the Supreme Court on . .
Lists of cited by and citing cases may be incomplete.

Consumer, European

Updated: 29 January 2022; Ref: scu.584529

Portovesme v Commission: ECJ 1 Feb 2017

ECJ (Judgment) Appeal – Aid granted by the Italian Republic in favor of Portovesme Srl – Preferential tariff arrangements for electricity – Decision declaring the aid measure incompatible with the internal market

Citations:

ECLI:EU:C:2017:75, [2017] EUECJ C-606/14

Links:

Bailii

Jurisdiction:

European

Consumer, Utilities

Updated: 29 January 2022; Ref: scu.573830

Wilkes v Depuy International Ltd: QBD 6 Dec 2016

The claimant suffered injury after his artificial left hip, supplied by the defendants, fractured.

Judges:

Hickinbottom J

Citations:

[2016] EWHC 3096 (QB)

Links:

Bailii

Statutes:

Consumer Protection Act 1987 3, EC Council Directive 93/42/EEC, Medical Devices Regulations 2002

Jurisdiction:

England and Wales

Professional Negligence, Personal Injury, Consumer

Updated: 28 January 2022; Ref: scu.573398

Wood and Another v Tui Travel Plc (T/A First Choice): CA 16 Jan 2017

Claim for damages under the 1982 Act after the claimants suffered acute gastroenteritis while staying at an Hotel in the Dominican Republic while on an all-inclusive holiday provided by the respondent.

Judges:

Sir Brian Leveson P QBD, McFarlane, Burnett LJJ

Citations:

[2017] EWCA Civ 11

Links:

Bailii

Statutes:

Supply of Goods and Services Act 1982

Jurisdiction:

England and Wales

Personal Injury, Consumer

Updated: 28 January 2022; Ref: scu.573283

Queisser Pharma: ECJ 19 Jan 2017

ECJ (Judgment) Reference for a preliminary ruling – Free movement of goods – Articles 34 to 36 TFEU – Purely domestic situation – Food safety – Regulation (EC) No 178/2002 – Article 6 – Principle of risk analysis – Article 7 – Precautionary principle – Regulation (EC) No 1925/2006 – Member State legislation prohibiting the manufacture and sale of food supplements containing amino acids – Situation in which a temporary derogation to that prohibition is at the discretion of the national authority

Citations:

ECLI:EU:C:2017:26, [2017] EUECJ C-282/15

Links:

Bailii

Jurisdiction:

European

Consumer

Updated: 28 January 2022; Ref: scu.573256

Gutierrez Naranjo v Cajasur Banco SAU and similar: ECJ 21 Dec 2016

ECJ Judgment – Reference for a preliminary ruling – Directive 93/13 / EEC – Contracts with consumers – Mortgages – Unfair terms – Article 4 (2) – Article 6 (1) – Declaration of invalidity – Limitation by national courts of The declaration of nullity of an abusive clause

C-154/15, [2016] EUECJ C-154/15
Bailii
European

Consumer, Banking

Updated: 27 January 2022; Ref: scu.572584

Biuro Podrozy v Prezes Urzedu Ochrony Konkurencji i Konsumentow: ECJ 21 Dec 2016

ECJ Judgment – Reference for a preliminary ruling – Directive 93/13 / EEC – Directive 2009/22 / EC – Consumer protection – Effect erga omnes of unfair terms in a public register – Pecuniary penalty imposed on a professional who has used a clause considered equivalent to that in the audit Register – Professional not participating in the procedure leading up to the finding of the unfairness of a clause – Article 47 of the Charter of Fundamental Rights of the European Union – Concept of ‘national court whose decisions are not susceptible Of a judicial remedy under national law

C-119/15, [2016] EUECJ C-119/15
Bailii
European

Consumer

Updated: 27 January 2022; Ref: scu.572567

Verein Fur Konsumenteninformation v INKO, Inkasso GmbH: ECJ 8 Dec 2016

(Judgment) Reference for a preliminary ruling – Directive 2008/48/EC – Consumer protection – Consumer credit – Article 2(2)(j) – Rescheduling agreements – Deferred payment, free of charge – Article 3(f) – Credit intermediaries – Debt recovery companies acting on behalf of lenders

ECLI:EU:C:2016:934, [2016] EUECJ C-127/15
Bailii
Directive 2008/48/EC
European

Consumer

Updated: 27 January 2022; Ref: scu.572328

Nelsons GmbH v Ayonnax Nutripharm GmbH: ECJ 23 Nov 2016

ECJ (Judgment) Reference for a preliminary ruling – Consumer information and protection – Regulation (EC) No 1924/2006 – Nutrition and health claims made on foods – Transitional measures – Article 28(2) – Products bearing trade marks or brand names existing before 1 January 2005 – ‘Bach flower’ remedies – European Union mark RESCUE – Products marketed as medicinal products before January 2005 and as foodstuffs after that date

ECLI:EU:C:2016:888, [2016] EUECJ C-177/15
Bailii
Regulation (EC) No 1924/2006
European

Consumer

Updated: 26 January 2022; Ref: scu.571880

Home Credit Slovakia: ECJ 9 Nov 2016

ECJ (Judgment) Reference for a preliminary ruling – Directive 2008/48/EC – Consumer protection – Consumer credit – Article 1, Article 3(m), Article 10(1) and (2), Article 22(1) and Article 23 – Interpretation of the expressions ‘on paper’ and ‘on another durable medium’ – Contract referring to another document – Requirement for the agreement to be in ‘written form’ within the meaning of national law – Indication of information required by reference to objective criteria – Information to be included in a fixed-term credit agreement – Effect of failure to include mandatory information – Proportionality

C-42/15, [2016] EUECJ C-42/15
Bailii
Directive 2008/48/EC
European

Consumer

Updated: 25 January 2022; Ref: scu.571276

Nemzeti Fogyasztovedelmi Hatosag v Invitel Tavkozlesi Zrt: ECJ 6 Dec 2011

ECJ Opinion – Consumer protection – Directive 93/13/EEC – Article 3(1) in combination with points 1(j) and 2(d) of the annex – Articles 6 and 7 – Unfair terms in consumer contracts – Contract term that entitles the seller or supplier to amend contractual provisions unilaterally without a valid reason and without explicitly describing the method by which prices vary – Unfair nature of the term – Legal effects of a finding that a term is unfair as a result of an action in the public interest – Actio popularis – Erga omnes effect of national findings of unfairness

Trstenjak AG
[2011] EUECJ C-472/10
Bailii
European
Cited by:
OpinionNemzeti Fogyasztovedelmi Hatosag v Invitel Tavkozlesi Zrt ECJ 26-Apr-2012
ECJ Directive 93/13/EEC – Article 3(1) and (3) – Articles 6 and 7 – Consumer contracts – Unfair terms – Unilateral amendment of the terms of a contract by a seller or supplier – Action for an injunction brought . .

Lists of cited by and citing cases may be incomplete.

Consumer, Contract

Updated: 24 January 2022; Ref: scu.570505

Breitsamer Und Ulrich and Co KG v Landeshauptstadt Munchen: ECJ 22 Sep 2016

ECJ (Judgment) Reference for a preliminary ruling – Directive 2000/13/EC – Labelling and presentation of foodstuffs – Article 1(3)(b) – Concept of ‘pre-packaged foodstuff’ – Article 2 – Consumer information and protection – Article 3(1)(8) – Place of origin or provenance of a foodstuff – Article 13(1) – Labelling of a prepackaged foodstuff – Article 13(4) – Packaging or containers the largest surface of which has an area of less than 10 cm2 – Directive 2001/110/EC – Article 2(4) – Indication of the country or countries of origin of honey – Individual portions of honey packaged in cartons supplied to mass caterers – Individual portions sold separately or supplied to ultimate consumers as part of meals for an all-inclusive price – Indication of the country or countries of origin of that honey

ECLI:EU:C:2016:718, [2016] EUECJ C-113/15
Bailii
Directive 2000/13/EC
European

Consumer, Agriculture

Updated: 23 January 2022; Ref: scu.569496

Deroo-Blanquart v Sony Europe Ltd: ECJ 7 Sep 2016

ECJ (Judgment) Reference for a preliminary ruling – Consumer protection – Unfair commercial practices – Directive 2005/29/EC – Articles 5 and 7 – Combined offer – Sale of a computer equipped with pre-installed software – Material information relating to the price – Misleading omission – Consumer unable to obtain the same model of computer not equipped with software

D Svaby, P
C-310/15, [2016] EUECJ C-310/15
Bailii
Directive 2005/29/EC

European, Consumer

Updated: 22 January 2022; Ref: scu.569043

Nutria v Commission: ECFI 21 Jul 2016

ECJ (Judgment) Non-contractual liability – Refusal to extend the deadline for removal of the skimmed milk powder in the food distribution program for the most deprived persons in the Union for the year 2010 – Sufficiently serious breach of a rule of law intended to confer rights on individuals

T-832/14, [2016] EUECJ T-832/14, ECLI:EU:T:2016:428
Bailii

European, Consumer

Updated: 20 January 2022; Ref: scu.567414

Verband Sozialer Wettbewerb eV v Innova Vital GmbH: ECJ 14 Jul 2016

ECJ (Judgment) Reference for a preliminary ruling – Consumer protection – Regulation (EC) No 1924/2006 – Nutrition and health claims made on foods – Article 1(2) – Scope – Foods to be delivered as such to the final consumer – Claims made in a commercial communication addressed exclusively to health professionals

ECLI:EU:C:2016:563, [2016] EUECJ C-19/15
Bailii

European, Consumer

Updated: 19 January 2022; Ref: scu.566911

Kingston Upon Hull City Council, Regina (on The Application of) v Secretary of State for Business, Innovation and Skills and Others: Admn 8 Apr 2016

This case arises from a dispute about the lack of toilet and washing facilities at two fast food outlets in Hull. The City Council, the claimant (‘Hull’), is not happy about that. It believes the commercial operator of the outlets (the second interested party (‘Greggs’) should provide those sanitary facilities and that Hull is being wrongly prevented from exercising its power to require Greggs to provide them on pain of criminal proceedings.

Kerr J
[2016] EWHC 1064 (Admin)
Bailii
Regulatory Enforcement and Sanctions Act 2008

Consumer, Administrative

Updated: 14 January 2022; Ref: scu.563272

Fisher v Bell: QBD 10 Nov 1960

A shopkeeper displayed a flick-knife in his window for sale. A price was also displayed. He was charged with offering it for sale, an offence under the Act. The words ‘offer for sale’ were not defined in the Act, and therefore the magistrates construed them as under the general law of contract, in which case the shopkeeper had merely issued an invitation to treat.
Held: The display of the knife in the window was indeed only an invitation to treat, and the knife had not been offered for sale. In the Keating and Wiles cases the Acts in question allowed a conviction where an item was exposed for sale. That did not apply here. The appeal was dismissed.
Lord Justice Parker said: ‘It is perfectly clear that according to the ordinary law of contract the display of an article with a price on it in a shop window is merely an invitation to treat. It is in no sense an offer for sale the acceptance of which constitutes a contract.’

Parker LJ CJ, Ashworth Elwes JJ
[1961] 1 QB 394
England and Wales
Citing:
DistinguishedWiles v Maddison 1943
It was proved that the defendant had the intention to commit an offence. Viscount Caldecote CJ said ‘A person might, for instance, be convicted of making an offer of an article at too high a price by putting it in his shop window to be sold at an . .
CitedMagor and St Mellons Rural District Council v Newport Corporaion HL 1951
The Court of Appeal had tried to fill in the gaps in a statute where parliament had intended an effect.
Held: Rights to compensation are well capable of falling within the definition of ‘property of a company’ in the relevant provisions of the . .
DistinguishedKeating v Horwood QBD 1926
A baker’s van was doing its rounds, delivering bread which had already been ordered but the van also contained bread which could be bought as required. The bread was underweight The Order prohibited the offering or exposing for sale of food . .

Lists of cited by and citing cases may be incomplete.

Crime, Consumer, Contract

Leading Case

Updated: 12 January 2022; Ref: scu.185104

Barreiro, Alonso, Rodriguez v Air France SA: ECJ 13 Oct 2011

Reference for a preliminary ruling – Air transport – Regulation (EC) No 261/2004 – Article 2(l) – Compensation for passengers in the event of cancellation of a flight – Meaning of ‘cancellation’ – Article 12 – Meaning of ‘further compensation’ – Compensation under national law

K Lenaerts, P
[2011] EUECJ C-83/10, [2012] Bus LR 1596
Bailii
Regulation (EC) No 261/2004Regulation (EC) No 261/2004
European
Citing:
OpinionBarreiro, Alonso, Rodriguez v Air France ECJ 28-Jun-2011
barreiroECJ11
ECJ Air transport – Assistance, care and compensation for passengers – Meaning of ‘cancellation’ and ‘further compensation’ . .

Lists of cited by and citing cases may be incomplete.

Transport, Consumer

Updated: 24 December 2021; Ref: scu.540514

Clegg v Olle Andersson (T/A Nordic Marine): CA 11 Mar 2003

Right oReject Survived Attempted Repair

The claimant agreed to purchase a yacht from the defendants with a keel to the manufacturer’s standard specifications. The keel actually installed was rather heavier. After correspondence, the claimant rejected the yacht and required the return of the the purchase price. The respondent said the exercise of a right of rejection was unreasonable, given that the manufacturer had offered to correct the defect.
Held: Though a repair had been undertaken the right to reject had not been lost. The buyer had maintained his demand for information about the defect. Whether or not a buyer has had a reasonable time to inspect the goods is only one of the questions to be answered in ascertaining whether there has been acceptance in accordance with subsection (4). Subsection (6)(a) shows that time taken merely in requesting or agreeing to repairs for carrying them out, is not to be counted. The purchasers’ failure to mitigate their loss became irrelevant when the right of rejection was used. There is no requirement that the exercise of the right of rejection should be subject to any condition of reasonableness.

Lady Justice Hale The Vice-Chancellor Lord Justice Dyson
[2003] EWCA Civ 320, Times 14-Apr-2003, Gazette 22-May-2003, [2003] 2 Lloyd’s Rep 32
Bailii
Sale of Goods Act 1979 13(1) 14(2)
England and Wales
Citing:
CitedKwei Tek Chao v British Traders and Shippers QBD 1954
In testing whether a buyer of goods has acted inconsistently with the rights of the seller so as to lose the right of rejection where as in this case, property in the goods has passed to the buyer, the ownership of the seller with which the buyer . .
CitedBernstein v Pamson Motors (Golders Green) Ltd QBD 1987
A car had been delivered to the buyer three weeks before the purported rejection. In the interval the purchaser had driven it 140 miles.
Held: The nature of the particular defect, discovered ex post facto, and the speed with which it might . .
Appeal fromClegg and Another v Andersson (Trading As Nordic Marine) QBD 21-May-2002
. .

Cited by:
CitedJ and H Ritchie Ltd v Lloyd Ltd HL 7-Mar-2007
The appellants had bought a seed drill from the respondents. It had been repossessed but sold as near new. A fault was noticed after two days use, and it was returned. The defendants repaired it without agreeing this with the appellant, and then . .

Lists of cited by and citing cases may be incomplete.

Contract, Consumer

Updated: 20 December 2021; Ref: scu.179774

Konsumentombudsmannen KO v Ving Sverige: ECJ 3 Feb 2011

ECJ Consumer protection – Unfair commercial practices – Directive 2005/29/EC – Concept of invitation to purchase – Requirement of information related to the marketed product and its price to the consumer to make a purchase – Definition of characteristics Product – Specify a starting price in a commercial communication published in the press – Misleading omissions.

C-122/10, [2011] EUECJ C-122/10
Bailii
European

Consumer

Updated: 12 November 2021; Ref: scu.428504

Air France Sa v Heinz-Gerke Folkerts: ECJ 26 Feb 2013

airfrance_folkertsECJ2013

ECJ (Grand Chamber) Reference for a preliminary ruling – Air transport – Regulation (EC) No 261/2004 – Articles 6 and 7 – Connecting flight(s) – Delay in arrival at the final destination – Delay equal to or in excess of three hours – A passenger’s right to compensation

V Skouris, P
C-11/11, [2013] EUECJ C-11/11
Bailii
Regulation (EC) No 261/2004 6 7

European, Transport, Consumer

Leading Case

Updated: 10 November 2021; Ref: scu.471208

Citroen Commerce GmbH v Zentralvereinigung des Kraftfahrzeuggewerbes zur Aufrechterhaltung lauteren Wettbewerbs eV: ECJ 7 Jul 2016

ECJ (Judgment) Reference for a preliminary ruling – Directives 98/6/EC and 2005/29/EC – Consumer protection – Advertisement containing an indication of price – Concepts of ‘offer’ and ‘price inclusive of taxes’ – Obligation to include in the price of a motor vehicle the additional costs necessarily incurred in connection with the transfer of the vehicle)

L. Bay Larsen, P
ECLI:EU:C:2016:527, [2016] EUECJ C-476/14
Bailii

European, Consumer, Media

Updated: 10 November 2021; Ref: scu.566723

Hobohm v Benedikt Kampik Ltd and Co KG and Others: ECJ 23 Dec 2015

ECJ (Judgment) Reference for a preliminary ruling – Judicial cooperation in civil and commercial matters – Regulation (EC) No 44/2001 – Jurisdiction in respect of consumer contracts – Articles 15(1)(c) and 16(1) – Meaning of a commercial or professional activity ‘directed to’ the Member State of the consumer’s domicile – Transaction-management contract designed to achieve the economic objective pursued by means of a brokerage contract concluded beforehand in the course of a commercial or professional activity ‘directed to’ the Member State of the consumer’s domicile – Close link

L Bay Larsen, P
ECLI:EU:C:2015:844, [2015] EUECJ C-297/14, [2015] WLR(D) 546, [2016] 2 WLR 940, [2016] ILPr 9
Bailii, WLRD
Regulation (EC) No 44/2001
European

Consumer

Updated: 10 November 2021; Ref: scu.565745

Wathelet: ECJ 9 Nov 2016

ECJ (Judgment) Reference for a preliminary ruling – Directive 1999/44/EC – Sale of consumer goods and associated guarantees – Scope – Concept of ‘seller’ – Intermediary – Exceptional circumstances

C-149/15, [2016] EUECJ C-149/15, [2016] WLR(D) 585
Bailii, WLRD
European

Consumer

Updated: 09 November 2021; Ref: scu.571289

Banif Plus Bank Zrt v Csipai: ECJ 21 Feb 2013

barif_csipaoECJ2013

ECJ Directive 93/13/EEC – Unfair terms in consumer contracts – Examination by the national court, of its own motion, as to whether a term is unfair – Obligation on the national court, once it has found, of its own motion, that a term is unfair, to invite the parties to submit their observations before drawing conclusions from that finding – Contractual terms to be taken into account in the assessment of that unfairness

A. Tizzano, P
C-472/11, [2013] EUECJ C-472/11
Bailii
Directive 93/13/EEC

European, Contract, Consumer

Leading Case

Updated: 09 November 2021; Ref: scu.471210

Content Services Ltd v Bundesarbeitskammer: ECJ 6 Mar 2012

Content_serviceECJ0312

ECJ Opinion – Consumer protection – Distance contracts – Directive 97/7/EC – Article 5 – Information that the consumer must ‘receive’ in a ‘durable medium’ – Information available on a website which the consumer can access via a hyperlink

Mengozzi AG
C-49/11, [2012] EUECJ C-49/11
Bailii
Directive 97/7/EC
Cited by:
OpinionContent Services Ltd v Bundesarbeitskammer ECJ 5-Jul-2012
ECJ Reference for a preliminary ruling – Directive 97/7/EC – Consumer protection – Distance contracts – Consumer information – Information given or received – Durable medium – Meaning – Hyperlink on the website . .

Lists of cited by and citing cases may be incomplete.

European, Consumer

Leading Case

Updated: 09 November 2021; Ref: scu.463186

Content Services Ltd v Bundesarbeitskammer: ECJ 5 Jul 2012

ECJ Reference for a preliminary ruling – Directive 97/7/EC – Consumer protection – Distance contracts – Consumer information – Information given or received – Durable medium – Meaning – Hyperlink on the website of the supplier – Right of withdrawal
‘a durable medium, within the meaning of Article 5(1) of Directive 97/7, must ensure that the consumer, in a similar way to paper form, is in possession of the information referred to in that provision to enable him to exercise his rights where necessary.
Where a medium allows the consumer to store the information which has been addressed to him personally, ensures that its content is not altered and that the information is accessible for an adequate period, and gives consumers the possibility to reproduce it unchanged, that medium must be regarded as ‘durable’ within the meaning of that provision.’
. . And: ‘a business practice consisting of making the information referred to in that provision accessible to the consumer only via a hyperlink on a website of the undertaking concerned does not meet the requirements of that provision, since that information is neither ‘given’ by that undertaking nor ‘received’ by the consumer, within the meaning of that provision, and a website such as that at issue in the main proceedings cannot be regarded as a ‘durable medium’ within the meaning of Article 5(1). ‘

K Lenaerts, P
[2012] EUECJ C-49/11, C-49/11, [2012] WLR(D) 195
Bailii, WLRD
Directive 97/7/EC
European
Citing:
OpinionContent Services Ltd v Bundesarbeitskammer ECJ 6-Mar-2012
Content_serviceECJ0312
ECJ Opinion – Consumer protection – Distance contracts – Directive 97/7/EC – Article 5 – Information that the consumer must ‘receive’ in a ‘durable medium’ – Information available on a website which the consumer . .

Lists of cited by and citing cases may be incomplete.

Consumer

Leading Case

Updated: 09 November 2021; Ref: scu.515275

Sanchez Morcillo And Abril Garcia v Banco Bilbao Vizcaya Argentaria SA: ECJ 17 Jul 2014

ECJ Judgment – Preliminary ruling – Directive 93/13/EEC – Article 7 – Charter of Fundamental Rights of the European Union – Article 47 – Contracts with consumers – mortgage contract – Unfair – foreclosure procedure – Right of Appeal

A Tizzano, P
ECLI:EU:C:2014:2099, [2014] EUECJ C-169/14
Bailii
Directive 93/13/EEC, Charter of Fundamental Rights of the European Union
European
Citing:
OrderSanchez Morcillo And Abril Garcia v Banco Bilbao Vizcaya Argentaria SA ECJ 5-Jun-2014
(Order Of The Court) . .
PositionSanchez Morcillo And Abril Garcia v Banco Bilbao Vizcaya Argentaria SA ECJ 3-Jul-2014
ECJ Position – Directive 93/13/EEC – Unfair terms in contracts concluded with consumers – adequate and effective means for the continued use of unfair terms – Limiting the possibility of appeal against a ruling . .

Lists of cited by and citing cases may be incomplete.

Consumer, Human Rights

Updated: 09 November 2021; Ref: scu.535388

Dimond v Lovell: HL 12 May 2000

A claimant sought as part of her damages for the cost of hiring a care whilst her own was off the road after an accident caused by the defendant. She agreed with a hire company to hire a car, but payment was delayed until the claim was settled.
Held: The arrangement was a consumer credit agreement, and since it was not in proper form, the sums were not recoverable from the claimant and so in turn were not recoverable either from the defendant. The Act was intended to punish those who sought to work around it.
The additional benefits achieved as part of the mitigation of loss must be taken into account. Even if the claimant could have recovered she could have recovered no more than the ‘spot’ charge and not the charges made for an agreement that entitled the claimant to more benefit than the cost of hire itself (eg by way of financing the cost of replacement pending resolution of a claim or the cost of fighting the claim itself).

Lord Browne-Wilkinson, Lord Nicholls of Birkenhead, Lord Hoffmann, Lord Saville of Newdigate, Lord Hobhouse of Wood-borough
Gazette 31-May-2000, Times 12-May-2000, [2000] UKHL 27, [2000] 2 All ER 897, [2000] 2 WLR 1121, [2002] 1 AC 384, (2000) Rep LR 62, [2000] CCLR 57, [2000] RTR 243
House of Lords, Bailii
Consumer Credit Act 1974 127(1)
England and Wales
Citing:
Appeal fromDimond v Lovell CA 29-Apr-1999
Mrs Dimond had a car accident as a result of Mr Lovell’s negligence and sought to recover from him the cost of the hire of a replacement vehicle while her car was being repaired. Under clause 5 of the hire agreement the hire company had the conduct . .
CitedMcAll v Brooks CA 1984
After a road accident the plaintiff hired a car. His insurance brokers provided the car under an arrangement that was alleged to be illegal insurance business and would have prevented them from being subrogated to the plaintiff’s claim for damages . .
CitedGiles v Thompson, Devlin v Baslington (Conjoined Appeals) HL 1-Jun-1993
Car hire companies who pursued actions in motorists’ names to recover the costs of hiring a replacement vehicle after an accident, from negligent drivers, were not acting in a champertous and unlawful manner. Lord Mustill said: ‘there exists in . .
CitedDonnelly v Joyce CA 18-May-1973
A six year old injured his leg in a road accident, and needed daily attention. His mother gave up her job to look after him. The claim for damages on behalf of he boy included the mother’s loss of earnings. This was objected to on the grounds that . .
CitedBritish Westinghouse Electric and Manufacturing Co v Underground Electric Railways Co (London) Limited HL 1912
The plaintiffs purchased eight steam turbines from the defendants. They later proved defective, and the plaintiffs sought damages. In the meantime they purchased replacements, more effective than the original specifications. In the result the . .
CitedParry v Cleaver HL 5-Feb-1969
PI Damages not Reduced for Own Pension
The plaintiff policeman was disabled by the negligence of the defendant and received a disablement pension. Part had been contributed by himself and part by his employer.
Held: The plaintiff’s appeal succeeded. Damages for personal injury were . .
CitedHunt v Severs HL 7-Sep-1994
The tortfeasor, a member of the claimant’s family provided her with voluntary nursing care after the injury. The equivalent cost of that care, was recoverable, but would be held on trust for the carer. The underlying rationale of English Law is to . .
CitedBellingham v Dhillon QBD 1973
The plaintiff claimed damages for personal injuries, and in particular the loss of profits from his driving school business. He lost the opportunity to lease a driving simulator which would have enabled his company to earn a continuing profit. In . .
CitedOrakpo v Manson Investments Ltd HL 1977
Transactions were entered into under which loans were made to enable the borrower to acquire and develop certain properties were held to be unenforceable under the 1927 Act. The effect was to enrich the borrower, who had fallen into arrears of . .

Cited by:
CitedWilson v Secretary of State for Trade and Industry; Wilson v First County Trust Ltd (No 2) HL 10-Jul-2003
The respondent appealed against a finding that the provision which made a loan agreement completely invalid for lack of compliance with the 1974 Act was itself invalid under the Human Rights Act since it deprived the respondent of its property . .
CitedLagden v O’Connor HL 4-Dec-2003
The parties had been involved in a road traffic accident. The defendant drove into the claimant’s parked car. The claimant was unable to afford to hire a car pending repairs being completed, and arranged to hire a car on credit. He now sought . .
CitedMcMillan Williams (a Firm) v Range CA 17-Mar-2004
The respondent was employed as a solicitor to be paid commission on fees paid. She received advances against those payments. She was dismissed after failing to reach the targets. The employer sought repayment of the excess advances. She replied that . .
CitedBee v Jenson ComC 21-Dec-2006
The defendant objected to paying the plaintiff the costs of a replacement hire car after the accident for which he was liable. He said that the plaintiff was in any event insured to recover that cost, and the insurance company were subrogated to the . .
CitedBee v Jenson CA 13-Sep-2007
The claimant hired a car whilst his own, damaged by the defendant, was being repaired. His insurer sought to recover the cost from the other driver. The insurer had first arranged te hire with one company, but then another provided a finacial reward . .
CitedArmchair Passenger Transport Ltd v Helical Bar Plc and Another QBD 28-Feb-2003
Objection was made to the use of an expert witness who had formerly been a senior employee of the defendant.
Held: The court set out criteria for testing the independence of a proposed expert witness: ‘i) It is always desirable that an expert . .
CitedHeath v Southern Pacific Mortgage Ltd ChD 29-Jan-2009
The appellant challenged a mortgagee’s possession order saying that the loan agreements sought to be enforced were invalid and the charges unenforceable. The loan had been in two parts. She said that as a multi-part agreement it fell within section . .
CitedCopley v Lawn; Maden v Haller CA 17-Jun-2009
The parties had been involved in a road accident. The insurer for the liable party offered a car for use whilst the claimant’s car was being repaired. The claimants had rejected that offer, and now appealed against a refusal to award them the cost . .
CitedSouthern Pacific Mortgage Ltd v Heath CA 5-Nov-2009
The court considered the effect of an agreement within the 1974 Act falling into more than one category of agreement. Part was used to be used for the repayment of an existing mortgage (restricted use credit), and part was unrestricted. The question . .
CitedCarey v HSBC Bank plc, Yunis v Barclays Bank plc and similar QBD 23-Dec-2009
carey_hsbcQBD2009
(Manchester Mercantile Court) The court considered the effects in detail where a bank was unable to comply with a request under section 78 of the 1974 Act to provide a copy of the agreement signed by the client.
Held: The court set out to give . .
CitedSternlight v Barclays Bank Plc QBD 22-Jul-2010
Various credit card customers said that the respondent banks had mis-stated the interest rates applied to them, in that the interest charged did not match the APR advertised, and that therefore the agreements were unenforceable.
Held: The . .
CitedThe Office of Fair Trading v Ashbourne Management Services Ltd and Others ChD 27-May-2011
The OFT alleged that the defendant companies had been engaged in breaches of the Act and the Regulations in their practices in selling gym memberships. The defendant were selling and managing memberships for gyms. They advised as to the different . .
CitedDickinson and Others v Tesco Plc and Others CA 4-Feb-2013
The court considered the practice on claims for hire of a replacement car on credit terms after a road traffic accident. The defendant resisted paying for the credit where the claimant could have hired without a credit arrangement. The defendants . .
CitedSalat v Barutis CA 20-Nov-2013
The claimant had been knocked from his motor cyle by the defendant. He hired a replacement, but when he sought payment of the associated hire charges, the defendant said that the hire company had failed to comply with the 208 Regulations, and that . .

Lists of cited by and citing cases may be incomplete.

Consumer, Damages

Leading Case

Updated: 02 November 2021; Ref: scu.79968

AJ Building and Plastering Ltd v Turner and Others: QBD 11 Mar 2013

An insurance company had engaged a main contractor to handle repairs to houses insured under its policies. The contractor had engaged the claimant subcontractor to carry out the works at the defendants’ homes, but then went into insolvent liquidation before the works were paid for. The claimant now sought payment direct from the insured. The defendants denied any contract with the claimant, despite mandates signed by them.
Held: The claims failed. It was both a perfectly possible reading of the mandate and far more consonant with the commercial common sense of the situation to interpret it to mean that, although the insurer will be responsible for paying the cost of the insured losses, the householder will remain liable for all other costs, namely the policy excess and any works not covered by the insurance.
The court considered the possible application of the contra preferentem rule: ‘The fact that the contra proferentem rule is a matter of common law whereas regulation 7 (2) is a creature of statute is no reason to differentiate between their applications; the 1999 Regulations give wholesale effect to a European Directive and it is unnecessary to suppose that they were intended to affect the common law relating to contractual interpretation. The occasions on which the principle of construction and the common-law rule apply are the same: their operation is limited to cases of genuine interpretative doubt or ambiguity’
The contracts were to be determined on the standard rules for construction. If the terms were unambiguous then the 1999 Regulation had no application, and ‘ it is impermissible to prejudge the construction of the mandates by presupposing an analysis that ignores them. The mandates were in fact signed. A common reason for having written express contracts is to impose and assume liabilities that would not otherwise be implied.’

Keyser QC J
[2013] EWHC 484 (QB)
Bailii
Unfair Terms in Consumer Contracts Regulations 1999 7
England and Wales
Citing:
CitedInvestors Compensation Scheme Ltd v West Bromwich Building Society HL 19-Jun-1997
Account taken of circumstances wihout ambiguity
The respondent gave advice on home income plans. The individual claimants had assigned their initial claims to the scheme, but later sought also to have their mortgages in favour of the respondent set aside.
Held: Investors having once . .
CitedChartbrook Ltd v Persimmon Homes Ltd and Others HL 1-Jul-2009
Mutual Knowledge admissible to construe contract
The parties had entered into a development contract in respect of a site in Wandsworth, under which balancing compensation was to be paid. They disagreed as to its calculation. Persimmon sought rectification to reflect the negotiations.
Held: . .
CitedSt Edmundsbury and Ipswich Diocesan Board of Finance v Clark (No.2) CA 1973
When looking at a contract ‘one must construe the document according to the natural meaning of the words contained in the document as a whole, read in the light of surrounding circumstances.’
The contra preferetem rule can only come into play . .
CitedMira Oil Resources of Tortola v Bocimar NV ChD 1999
Colman J discussed the application of the contra preferentem rule: ‘Further, this is not a case where the meaning of the words is so finely balanced that the contra proferentum rule should be applied in favour of the owners. If in the view of the . .
CitedAssociation of British Travel Agents Ltd v British Airways Plc CA 2000
Sedley LJ described the common-law rule of contra preferentem, that any doubt as to the meaning of contractual words will be resolved by construing them against the party that put them forward, as ‘a principle not only of law but of justice’ and . .
ApprovedThe Financial Services Authority v Asset L I Inc and Others ChD 8-Feb-2013
The court was asked whether so-called ‘land-banking’ schemes were ‘collective investments schemes’ within section 235.
Held: Andrew Smith J discussed the difference in effect between the contra preferentem rule, and regulation 7 of the 1999 . .
CitedRainy Sky Sa and Others v Kookmin Bank SC 2-Nov-2011
Commercial Sense Used to Interpret Contract
The Court was asked as to the role of commercial good sense in the construction of a term in a contract which was open to alternative interpretations.
Held: The appeal succeeded. In such a case the court should adopt the more, rather than the . .
CitedPink Floyd Music Ltd and Another v EMI Records Ltd CA 14-Dec-2010
The defendant appealed against an order made on the claimant’s assertion that there were due to it substantial underpayments of royalties over many years. The issues were as to the construction of licensing agreements particularly in the context of . .
CitedDirect Travel Insurance v McGeown CA 12-Nov-2003
The contra proferentem interpretation rule is to be invoked only in cases of genuine doubt or ambiguity. Auld LJ said: ‘A court should be wary of starting its analysis by finding an ambiguity by reference to the words in question looked at on their . .
CitedDu Plessis v Fontgary Leisure Parks Ltd CA 2-Apr-2012
The claimant, who owned a holiday mobile home on the respondent’s site challenged the raising of site fees, saying that the contract was unfair. Previously all site fees were equal within the site, but the respondent had introduced a scheme which . .
CitedBrown and Davis Ltd v Galbraith CA 1972
The defendant’s car was damaged in a collision. It was taken to the plaintiff’s garage for repair. The defendant’s insurers contracted with the defendant to pay for the repairs for a specified amount. The plaintiff carried out repair work, and the . .
CitedCurtis v Chemical Cleaning and Dyeing Co CA 1951
The defendant sought to rely on an exemption clause in its garment cleaning contract. The defendant’ shop assistant had said that it extended only to damage to beads and sequins, whereas by its terms it covered all liability for damage to articles . .
CitedAmalgamated Investment and Property Co Ltd (in Liq) v Texas Commerce International Bank Ltd CA 1982
The court explained the nature of an estoppel by convention.
Lord Denning MR said: ‘The doctrine of estoppel is one of the most flexible and useful in the armoury of the law. But it has become overloaded with cases. That is why I have not gone . .
CitedPeekay Intermark Ltd v Australia and New Zealand Banking Group Ltd CA 6-Apr-2006
Moore-Bick LJ discussed whether the court should give effect to a non-reliance clause in a contract saying: ‘It is common to include in certain kinds of contracts an express acknowledgement by each of the parties that they have not been induced to . .

Lists of cited by and citing cases may be incomplete.

Contract, Insurance, Consumer

Leading Case

Updated: 02 November 2021; Ref: scu.471743

Durkin v DSG Retail Ltd and Another: SC 26 Mar 2014

Cancellation of Hire Finance Contract

The claimant had bought a PC with a finance agreement with the respondent. He rejected it a day later, but the respondent refused to cancel the credit agreement. The respondent had threatened to report his non-payment to credit reference companies, which in due course caused the appellant more difficulties. He claimed damages of 250,000 pounds for this damage, alleging negligence. He had succeeded in establishing a right to reject the computer. The bank succeeded on appeal against a finding that it was liable in damages.
Held: The appeal succeeded. Lord Hodge said that the purpose of the restricted-use credit agreement is to finance a transaction between the consumer and the supplier. Where, as here, the contract is tied to a particular transaction, it has no other purpose. The rescission of the supply agreement excuses the innocent party from further performance of any obligations he has under it. It is inherent in a debtor-creditor-supplier agreement under the 1974 Act, which is also tied into a specific supply transaction, that if the supply transaction it financed is brought to an end by the supplier’s repudiatory breach of contract, the debtor must repay the borrowed funds recovered from the supplier. In order to reflect that reality, the law implies a term into such a credit agreement that it is conditional upon the survival of the supply agreement. The debtor on rejecting the goods and thereby rescinding the supply agreement for breach of contract may also rescind the credit agreement by invoking this condition.

Hale, Hodge LL
[2014] 1 WLR 1148, [2014] UKSC 21, [2014] WLR(D) 144, 2014 GWD 12-211, UKSC 2012/0135
Bailii, WLRD, SC Summary, SC
Consumer Credit Act 1974 75(1)
Scotland
Citing:
Appeal fromDurkin (Aberdeen Sheriff Court) v DSG Retail Ltd SCS 15-Jun-2010
The appellant had purchased a computer from an associated company of the defender with finance from the defender. He complained that on his return of the computer the defender had failed to cancel the consumer credit agreement, causing him losses. . .
CitedUnited Dominions Trust Ltd v Taylor ScSf 1980
. .
CitedKrell v Henry CA 1903
A contract to rent rooms for two days and from which the coronation processions of King Edward VII were to be viewed was frustrated when the processions were cancelled on the days the rooms were taken for because the contract was ‘a licence to use . .
CitedMcWilliams v Sir William Arrol and Company Ltd HL 21-Feb-1962
Damages were sought after the death of the pursuer’s husband working for the respondent. The trial judge had been satisfied that even if the defendants had performed their duty at common law and pursuant to statute, and had provided the deceased . .
CitedHedley Byrne and Co Ltd v Heller and Partners Ltd HL 28-May-1963
Banker’s Liability for Negligent Reference
The appellants were advertising agents. They were liable themselves for advertising space taken for a client, and had sought a financial reference from the defendant bankers to the client. The reference was negligent, but the bankers denied any . .
CitedFederal Commerce Ltd v Molena Alpha Inc; (The ‘Nanfri’) CA 1978
The court considered whether claim as against a shipowner could be set off against sums due under a time charter hire.
Held: Save for any contractual provision to the contrary a tenant is entitled to deduct from the rent payable, so as to . .
CitedPhoto Production Ltd v Securicor Transport Ltd HL 14-Feb-1980
Interpretation of Exclusion Clauses
The plaintiffs had contracted with the defendants for the provision of a night patrol service for their factory. The perils the parties had in mind were fire and theft. A patrol man deliberately lit a fire which burned down the factory. It was an . .

Lists of cited by and citing cases may be incomplete.

Consumer, Negligence, Banking

Leading Case

Updated: 01 November 2021; Ref: scu.523194

The County Homesearch Company (Thames and Chilterns) Ltd v Cowham: CA 31 Jan 2008

The defendants contracted to pay estate agents to find them a house. They completed the purchase of a property mentioned to them three times by the agent, but now appealed from a finding that they were obliged to pay his commission. The judge found that it was not implied into the contract that the commission would be payable only if the agent was an effective contributor to the transaction.
Held: The appeal was dismissed. The main reason for implying the term would be to avoid the client having to pay two commissions, but that was already precluded, and express terms were inconsistent with the term sought to be implied, and ‘The fact that it may be arguable whether a term should be implied . . does not mean that there is a doubt about the meaning of a written term’.

Longmore LJ
[2008] EWCA Civ 26, [2008] 1 EGLR 24, [2008] 1 WLR 909, [2008] NPC 10, [2008] 15 EG 178
Bailii
Estate Agents Act 1979, Unfair Terms in Consumer Contracts Regulations 1999 (1999 SI No. 2083) 7(2)
England and Wales
Citing:
CitedThe Moorcock CA 1889
Unless restricted by something else, an employer ought to find work to enable a workman to perform his part of the bargain, namely, to do his work. A term will be implied into a contract only to the extent required to give the contract efficacy: ‘if . .
CitedShirlaw v Southern Foundries (1926) Ltd CA 1939
The court warned against the over-ready application of any principle to justify the implication of terms into a contract. McKinnon LJ set out his ‘officious bystander’ test: ‘If I may quote from an essay which I wrote some years ago, I then said: . .
CitedBrian Cooper and Co v Fairview Estates (Investments) Ltd CA 13-Mar-1987
A substantial property developer sought a tenant for its office block and agreed with his selling agent to pay ‘a full scale letting fee . . should you introduce a tenant by whom you are unable to be retained and with whom we have not been in . .
CitedToulmin v Millar HL 1887
The agent claimed a second commission when his principal, who had already paid a commission for the procuring of a tenant, was asked to pay a second commission on the purchase of the property by the tenant at a later date.
Held: Where there . .
CitedDoyle v Mount Kidston Mining and Exploration Property Ltd 1984
(Queensland) McPherson J considered an estate agent’s contract: ‘it would have been quite artificial to suppose that the parties intended that the agent should earn his commission simply by finding an individual who, independently of any further . .
CitedShirlaw v Southern Foundries (1926) Ltd HL 1940
Where a party enters into an arrangement which can only take effect by the continuance of an existing state of circumstances, there is an implied engagement on his part that he will do nothing of his own motion to put an end to that state of . .
CitedMillar Son and Co v Radford CA 1903
For an estate agent to recover his commission, it was ‘necessary’ to show that the agent’s introduction was an ‘efficient’ (namely effective) cause in bringing about the transaction. . .

Cited by:
CitedOffice of Fair Trading v Abbey National Plc and seven Others ComC 24-Apr-2008
The Office sought a declaration that the respondent and other banks were subject to the provisions of the Regulations in their imposition of bank charges to customer accounts, and in particular as to the imposition of penalties or charges for the . .
CitedFoxtons Ltd v Pelkey Bicknell and Another CA 23-Apr-2008
The defendant appealed against a finding that she was liable to pay her estate agent, appointed as sole agent, on the sale of her property. The eventual purchasers had visited but rejected the property. The agency was later terminated, and the . .
CitedGlentree Estates Ltd and Others v Favermead Ltd ChD 20-May-2010
The claimant estate agents claimed commission on property sales. The defendant said that the agreement to pay commission had been waived.
Held: The sale triggered the commission. However the later agreement did work to vary the original . .

Lists of cited by and citing cases may be incomplete.

Contract, Agency, Consumer

Updated: 01 November 2021; Ref: scu.264035

Zentrale Zur Bekampfung Unlauteren Wettbewerbs Frankfurt Am Main eV v comtech GmbH: ECJ 2 Mar 2017

Consumer Helpline may not charge basic Rate

ECJ (Judgment) Reference for a preliminary ruling – Consumer protection – Directive 2011/83/EU – Article 21 – Communication by telephone – Operation of a telephone line by a trader to enable consumers to contact him in relation to a contract concluded – Prohibition on applying a rate higher than the basic rate – Concept of ‘basic rate’

A Prechal (Rapporteur) P
C-568/15, [2017] EUECJ C-568/15, [2017] WLR(D) 149, ECLI:EU:C:2017:154
Bailii, WLRD
Directive 2011/83/EU 21
European

Consumer

Updated: 01 November 2021; Ref: scu.579690

Jarvis v Swans Tours Ltd: CA 16 Oct 1972

The plaintiff had booked a holiday through the defendant travel tour company. He claimed damages after the holiday failed to live up to expectations.
Held: In appropriate cases where one party contracts to provide entertainment and enjoyment, including a contract for a holiday, damages can be recovered for mental distress and vexation. The damages awarded by the county court judge were inadequate. The descriptions in the brochure were representations or warranties, but after the 1967 Act, it was no longer necessary to decide which since damages were available for either. The measure of damages was the loss of entertainment and enjoyment which was promised, and not delivered.
Lord Denning said: ‘In a proper case damages for mental distress can be recovered in contract, just as damages for shock can be recovered in tort. One such case is a contract for a holiday or any other contract to provide entertainment and enjoyment. If the contracting party breaks his contract, damages can be given for the disappointment, the distress, the upset and frustration caused by the breach. I know that it is difficult to assess in terms of money, but it is no more difficult than the assessment which the courts have to make every day in personal injury cases for loss of amenity. Take the present case. Mr Jarvis has only a fortnight’s holiday in the year. He books it far ahead and looks forward to it all that time. He ought to be compensated for the loss of it . . Here Mr Jarvis’s fortnight’s winter holiday has been a grave disappointment. It is true that he was conveyed to Switzerland and had meals and bed in the hotel. But that is not what he went for. He went to enjoy himself with all the facilities which the defendant said he would have. He is entitled to damages for the lack of those facilities and for his loss of enjoyment.’
Edmund Davies LJ said: ‘The court is entitled, and indeed bound, to contrast the overall quality of the holiday so enticingly promised with that which the defendant in fact provided . . When a man has paid for and properly expects an invigorating and amusing holiday and, through no fault of his, returns home dejected because his expectations have been largely unfulfilled in my judgment it would be quite wrong to say his disappointment must find no reflection in the damages to be awarded.’

Lord Denning MR, Edmund Davies and Stephenson LJJ
[1973] 1 All ER 71, [1972] 3 WLR 954, [1973] QB 233, [1972] EWCA Civ 8
lip, Bailii
Misrepresentation Act 1967
England and Wales
Citing:
Not FollowedHobbs v London and South Western Railway Co 1875
The court considered an application for damages for inconvenience in a breach of contract case: ‘for the mere inconvenience, such as annoyance and loss of temper, or vexation, or for being disappointed in a particular thing which you have set your . .
CitedBailey v Bullock 1950
The court awarded damages against solicitors for the inconvenience to the plaintiff of having to live in an overcrowded house. . .
CitedStedman v Swan’s Tours CA 1951
The plaintiffs sought damages for their disappointing holiday in Jersey. Instead of enjoying the superior rooms with a sea view in a first class hotel expected, the holiday party found that the rooms reserved for them were very inferior and had no . .
CitedBruen v Bruce (Practice Note) CA 1959
. .
CitedFeldman v Allways Travel Service 1957
The claimant sought damages after a disappointing holiday.
Held: Such damages were capable of being awarded. . .
Not FollowedHamlin v Great Northern Railway Co 19-Nov-1856
A plaintiff can recover whatever damages naturally resulted from the breach of contract, but damages cannot be given ‘for the disappointment of mind occasioned by the breach of contract.’ . .
CitedGriffiths v Evans CA 1953
The parties disputed the terms on which the solicitor had been engaged, and in particular as to the scope of the duty undertaken by and entrusted to the solicitor as regards advising the client.
Held: Where there is a dispute between a . .

Cited by:
AppliedHeywood v Wellers CA 1976
The claimant instructed solicitors in injunction proceedings which they conducted negligently. The solicitors had put the case in the hands of an incompetent junior clerk. She sued acting in person, and succeeded but now appealed the only limited . .
CitedWiseman v Virgin Atlantic Airways Ltd QBD 29-Jun-2006
The claimant said that he was refused permission to board a flight by the defendants representative without paying a bribe, and was publicly humiliated for not doing so.
Held: Whilst the claimant could recover for his own additional expenses, . .
CitedYearworth and others v North Bristol NHS Trust CA 4-Feb-2009
The defendant hospital had custody of sperm samples given by the claimants in the course of fertility treatment. The samples were effectively destroyed when the fridge malfunctioned. Each claimant was undergoing chemotherapy which would prevent them . .
CitedMilner and Another v Carnival Plc (T/A Cunard) CA 20-Apr-2010
Damages for Disastrous Cruise
The claimants had gone on a cruise organised by the defendants. It was described by them as ‘the trip of a lifetime.’ It did not meet their expectations. There had been several complaints, including that the cabin was noisy as the floor flexed with . .
CitedRuxley Electronics and Construction Ltd v Forsyth HL 29-Jun-1995
Damages on Construction not as Agreed
The appellant had contracted to build a swimming pool for the respondent, but, after agreeing to alter the specification to construct it to a certain depth, in fact built it to the original lesser depth, Damages had been awarded to the house owner . .

Lists of cited by and citing cases may be incomplete.

Consumer, Contract, Damages

Leading Case

Updated: 01 November 2021; Ref: scu.174316

Baybut v Eccle Riggs Country Park Ltd: ChD 2 Nov 2006

The purchaser of a caravan park purported to terminate the 10 year licences under which the owners of the various caravans occupied their respective pitches. The sale agreement of the caravan site had contained a covenant by the purchaser with the vendor to perform and observe the future obligations imposed by the licences. The claimant sought to assert that a term implied into her contract with the defendant was unfair under the 1999 Regulations.
Held: Under the sale agreement the purchaser took the benefit of the licences conditionally on accepting the burdens thereunder, and there is a principle that one who takes the benefit of a licence to occupy the land granted to another in the form of an income stream, presumably by receiving periodical payments, will be bound by the burden to permit the licence-holder to occupy his pitch.
Regulation 4(2) excluded terms which reflected mandatory statutory provisions, but clauses implied at common law were to reflect the unspoken but obvious intentions of the parties. It was highly unlikely that the 1999 Regulations could ever apply to such terms. This was supported by an examination of the indicative list of unfair terms in the Regulations.

Judge Pelling, QC
Times 13-Nov-2006, [2006] All ER (D) 161 (Nov), 2006 WL 3206169
Unfair Terms in Consumer Contracts Regulations 1999 (SI 1999 No 2083)
England and Wales
Cited by:
CitedOffice of Fair Trading v Abbey National Plc and seven Others ComC 24-Apr-2008
The Office sought a declaration that the respondent and other banks were subject to the provisions of the Regulations in their imposition of bank charges to customer accounts, and in particular as to the imposition of penalties or charges for the . .
CitedDavies and Others v Jones and Another CA 9-Nov-2009
The parties contracted for the sale of land for development. The contract allowed for the costs of environmental remediation, but disputed the true figure set by the eventual builder and retained. The court now heard argument about whether the sum . .

Lists of cited by and citing cases may be incomplete.

Contract, Consumer

Updated: 01 November 2021; Ref: scu.247641

Peabody Trust v Reeve: ChD 2 Jun 2008

The court was asked to sanction the unilateral alteration by the landlord of the terms of some ten thouand tenancies. The agreements contained a clause which the landlord said allowed for variations under the Housing Act 1985. The landlord was a registered social landlord who had taken over the tenancies from local authorities which would have had such powers. The tenant said that such a term would be void under the 1999 Regulations.
Held: The sanction was refused. The case of Kilby concerned restricting a statutory power, and it was not impossible to manage properties without such a power. The associated risks were ones which the legislature had passed to such landlords.
It is now clear that the 1999 Regulations do apply to contracts relating to land. To the extent that the clause was ambiguous it was to be read in favour of the tenants. In tis case there was not abiguity, but rather two clauses flatly contradicting each other, and ‘if there is no compelling reason to choose one sub-clause over the other, the contra proferentem principle does enable the court to break the deadlock and apply the provision less favourable to the party putting the terms forward. ‘

Moss QC
[2008] EWHC 1432 (Ch), Times 09-Jun-2008
Bailii
Housing Act 1985 103, Unfair Terms in Consumer Contracts Regulations 1999
England and Wales
Citing:
CitedLondon Borough of Newham v Khatun, Zeb and Iqbal CA 24-Feb-2004
The council made offers of accommodation which were rejected as inappropriate by the proposed tenants.
Held: The council was given a responsibility to act reasonably. It was for them, not the court to make that assessment subject only to . .
CitedTam Wing Chuen v Bank of Credit and Commerce Hong Kong Ltd PC 1996
The Board considered a banking transaction and the application of a chargeback by the bank, under which a loan was made only after a deposit by a third party against which it was secured, and particularly in the context of the insolvency of the bank . .
CitedKilby, Regina (on the Application of) v Basildon District Council CA 22-May-2007
The court was asked whether a local authority can lawfully bind itself by contract to subject the exercise of its statutory power to vary its tenancy agreements by notice to the approval of tenants’ representatives.
Held: The local authority . .
CitedFreiburger Kommunalbauten GmbH Baugesellschaft and Co. KG v Ludger Hofstetter, Ulrike Hofstetter ECJ 1-Apr-2004
ECJ Directive 93/13/EEC – Unfair terms in consumer contracts – Contract for the building and supply of a parking space – Reversal of the order of performance of contractual obligations provided for under national . .

Lists of cited by and citing cases may be incomplete.

Landlord and Tenant, Consumer

Updated: 01 November 2021; Ref: scu.276669

HFO Capital Ltd v Wegmuller: Misc 24 Jan 2012

‘claim brought by the claimant for monies allegedly owed by the defendant under a credit agreement regulated by the Consumer Credit Act 1974. It is claimed that the credit agreement was made between Barclaycard and the defendant in about June 2006. It involved the provision of a credit card by Barclaycard to the defendant.!

[2012] EW Misc 19 (CC)
Bailii
Consumer Credit Act 1974

Banking, Consumer

Updated: 31 October 2021; Ref: scu.510048

Bairstow Eves London Central Ltd v Smith and Another: QBD 20 Feb 2004

Gross J
[2004] EWHC 263 (QB), [2004] 29 EG 118, [2004] 2 EGLR
Bailii
Unfair Terms in Consumer Contracts Regulations 1999 (SI 1999/2083)
England and Wales
Cited by:
CitedOffice of Fair Trading v Abbey National Plc and seven Others ComC 24-Apr-2008
The Office sought a declaration that the respondent and other banks were subject to the provisions of the Regulations in their imposition of bank charges to customer accounts, and in particular as to the imposition of penalties or charges for the . .
CitedOffice of Fair Trading (OFT) v Abbey National Plc and Others SC 25-Nov-2009
The banks appealed against a ruling that the OFT could investigate the fairness or otherwise of their systems for charging bank customers for non-agreed items as excessive relative to the services supplied. The banks said that regulation 6(2) could . .

These lists may be incomplete.
Updated: 16 June 2021; Ref: scu.347396

Office of Fair Trading v Abbey National Plc and others: ComC 8 Oct 2008

The director sought a further judgment as to whether charges imposed by banks on a customer taking an unauthorised overdraft, and otherwise were unlawful penalties.
References: [2008] EWHC 2325 (Comm)
Links: Bailii
Judges: Andrew Smith J
Jurisdiction: England and Wales
This case cites:

  • See Also – Office of Fair Trading v Abbey National Plc and seven Others ComC 24-Apr-2008 (, [2008] EWHC 875 (Comm), Times 29-Apr-08, Gazette 08-May-05, [2008] 2 All ER (Comm) 625)
    The Office sought a declaration that the respondent and other banks were subject to the provisions of the Regulations in their imposition of bank charges to customer accounts, and in particular as to the imposition of penalties or charges for the . .
  • Cited – Wallersteiner v Moir CA 1974 ([1974] 1 WLR 991)
    The making of a declaration is a judicial act. A shareholder is entitled to bring a derivative action on behalf of the company when it is controlled by persons alleged to have injured the company who refuse to allow the company to sue. It is an . .
  • Cited – Cooden Engineering Co Ltd v Stanford CA 1953 ([1953] 1 QB 86, [1952] 2 All ER 915)
    A payment to be made on a wrongful termination of a lease by a tenant, will attract consideration of the law of penalties, for notwithstanding the requirement for acceptance of it, the amount to be paid is, ‘plainly a sum to be paid in consequence . .
  • Cited – Jervis v Harris CA 9-Nov-1995 (Ind Summary 04-Dec-95, Gazette 24-Jan-96, Times 14-Nov-95, , [1995] EWCA Civ 9, [1996] Ch 195, [1996] 2 WLR 220, [1996] 1 All ER 303, [1996] 1 EGLR 78, [1996] 10 EG 159)
    A provision in the lease obliged a tenant to carry out repairs and provided that if he did not do so, the landlord might do the repairs and recover from the tenant the costs and expenses of doing so.
    Held: The provision was not a penalty. The . .

This case is cited by:

  • See Also – Abbey National Plc and others v The Office of Fair Trading CA 26-Feb-2009 (, [2009] EWCA Civ 116, Times 03-Mar-09, [2009] 2 CMLR 30, [2009] 1 All ER (Comm) 1097, [2009] 2 WLR 1286)
    The OFT had sought to enquire as to the fairness of the terms on which banks conducted their accounts with consumers, and in particular as to how they charged for unauthorised overdrafts. The banks denied that the OFT had jurisdiction, and now . .
  • See also – Office of Fair Trading v Abbey National Plc and others ComC 21-Jan-2009 (, [2009] EWHC 36 (Comm))
    . .
  • See also – Office of Fair Trading (OFT) v Abbey National Plc and Others SC 25-Nov-2009 (, [2009] UKSC 6, Times 26-Nov-09, [2009] 3 WLR 1215)
    The banks appealed against a ruling that the OFT could investigate the fairness or otherwise of their systems for charging bank customers for non-agreed items as excessive relative to the services supplied. The banks said that regulation 6(2) could . .

These lists may be incomplete.
Last Update: 22 September 2020; Ref: scu.277032

Office of Fair Trading v Abbey National Plc and others: ComC 21 Jan 2009

References: [2009] EWHC 36 (Comm)
Links: Bailii
Jurisdiction: England and Wales
This case cites:

  • See also – Office of Fair Trading v Abbey National Plc and seven Others ComC 24-Apr-2008 (, [2008] EWHC 875 (Comm), Times 29-Apr-08, Gazette 08-May-05, [2008] 2 All ER (Comm) 625)
    The Office sought a declaration that the respondent and other banks were subject to the provisions of the Regulations in their imposition of bank charges to customer accounts, and in particular as to the imposition of penalties or charges for the . .
  • See also – Office of Fair Trading v Abbey National Plc and others ComC 8-Oct-2008 (, [2008] EWHC 2325 (Comm))
    The director sought a further judgment as to whether charges imposed by banks on a customer taking an unauthorised overdraft, and otherwise were unlawful penalties. . .

This case is cited by:

  • See Also – Abbey National Plc and others v The Office of Fair Trading CA 26-Feb-2009 (, [2009] EWCA Civ 116, Times 03-Mar-09, [2009] 2 CMLR 30, [2009] 1 All ER (Comm) 1097, [2009] 2 WLR 1286)
    The OFT had sought to enquire as to the fairness of the terms on which banks conducted their accounts with consumers, and in particular as to how they charged for unauthorised overdrafts. The banks denied that the OFT had jurisdiction, and now . .
  • See also – Office of Fair Trading (OFT) v Abbey National Plc and Others SC 25-Nov-2009 (, [2009] UKSC 6, Times 26-Nov-09, [2009] 3 WLR 1215)
    The banks appealed against a ruling that the OFT could investigate the fairness or otherwise of their systems for charging bank customers for non-agreed items as excessive relative to the services supplied. The banks said that regulation 6(2) could . .

These lists may be incomplete.
Last Update: 22 September 2020; Ref: scu.293978

Trident Turboprop (Dublin) Ltd v First Flight Couriers Ltd; Comc 17 Jul 2008

References: [2008] EWHC 1686 (Comm), [2009] 1 All ER (Comm) 16
Links: Bailii
Coram: Aikens J
Trident entered into Aircraft Operating Lease Agreements in identical terms with First Flight in respect of two ATP model aircraft. The leases represented the culmination of negotiations between a representative of the manufacturer, BAE Systems Regional Aircraft Limited (‘BAE’), and representatives of First Flight and were signed by a representative of BAE on behalf of Trident. Each provided for delivery to take place at Southend airport. Application for summary judgment under aircraft leasing agreements – no payment of rent. The defendant argued that the clause disallowing them from alleging any misrepresentation failed to satisfy the reasonableness requirement under the 1977 Act.
Held: The leases fell within section 26 and the agreements were exempt. Judgement was given for the claimant.
Statutes: Unfair Contract Terms Act 1977 26
This case is cited by:

  • Appeal From – Trident Turboprop (Dublin) Ltd -v- First Flight Couriers Ltd CA (Bailii, [2009] EWCA Civ 290, Times)
    The appellant entered into two aircraft leasing agreements but were unable to maintain payments. They appealed against rejection of their argument that the agreements were not exempt from the controls under the 1977 Act by being international supply . .

(This list may be incomplete)
Last Update: 30-Nov-15 Ref: 271150

JP Morgan Chase Bank and others v Springwell Navigation Corporation; Comc 27 May 2008

References: [2008] EWHC 1186 (Comm)
Links: Bailii
Coram: Gloster J
Gloster J said: ‘terms which simply define the basis upon which services will be rendered and confirm the basis upon which parties are transacting business are not subject to section 2 of UCTA. Otherwise, every contract which contains contractual terms defining the extent of each party’s obligations would have to satisfy the requirement of reasonableness.’
Statutes: Unfair Contract Terms Act 1977
This case cites:

This case is cited by:

The National Home Loans Corporation v Hannah: 1997

References: [1997] CCLR 7
The borrower had first borrowed money on mortgage (the 1989 loan) to pay off an existing third party mortgage (as well as raising additional funds) and later paid off the new mortgage as part of the process of substituting that mortgage for a different one from the same lender. One issues was whether the 1989 loan agreement should be construed as falling into parts, so as to engage section 18(1)(a).
Held: The 1989 loan was an integrated package which could not be split up without altering its essential character and that section 18(1)(a) did not therefore apply.
Statutes: Consumer Credit Act 1974 18
This case is cited by:

  • Cited – Heath -v- Southern Pacific Mortgage Ltd ChD (Bailii, [2009] EWHC 103 (Ch))
    The appellant challenged a mortgagee’s possession order saying that the loan agreements sought to be enforced were invalid and the charges unenforceable. The loan had been in two parts. She said that as a multi-part agreement it fell within section . .