The court of appeal judgment makes for encouraging reading on s140A CCA 1974 in Plevin v Paragon Personal Finance Ltd & ANR [2013] EWCA Civ 1658:

http://www.bailii.org/ew/cases/EWCA/Civ/2013/1658.html

in particular Lord Justice Moses states:

the "appeals demonstrate the importance of giving proper force to the provisions of Section 140A of the Consumer Credit Act 1974 and permitting it to fulfil its purpose in protecting consumers."

It is also clarifed that the Harrison v Black Horse appeal was only abandoned at the Supreme Court because Black Horse refunded the Claimant his PPI premium and paid full costs in return for the appeal being abandoned. The Court of Appeal goes on to express frustration over this and of being held back from examining matters that fall outside of ICOB rules and hope that the Supreme Court wil get the chance to deal with this at some point. The Court of Appeal is clearly seeking for the ambit of the unfair realtionship test to be widened and shackles on the court to be removed.