There are few things in life worth spending 16 years litigating over, particularly a £1,499 laptop.
Unfortunately for one stubborn consumer that is exactly what has happened. Richard Durkin claimed that HFC Bank destroyed his credit rating over a credit agreement dispute which led to long and arduous legal battle. The case provides a cautionary tale for those who choose to litigate on principal.
After 16 years, a multitude of legal proceedings and cost running into six figures Mr Durkin finally reached a victorious conclusion in the Supreme Court, winning damages of £8,000.
Although the outcome is a rather pyrrhic victory for Mr Durkin personally, it is great for other consumers who also benefit from a multitude of protective legislation when it comes to consumer credit.