UK case law · verbatim judgments

The UK case-law authority finder

1,824+ judgments from the Supreme Court, Privy Council, Court of Appeal and senior tribunals — every word the original ruling, sourced from The National Archives Find Case Law. Subsequent treatment flagged where the case has been overruled, disapproved or departed from.

Editor's picks

The authorities that drive the modern consumer-disputes landscape

PPI

Plevin v Paragon Personal Finance Ltd [2014] UKSC 61 (12 November 2014)

[2014] UKSC 61

The Supreme Court holds that non-disclosure of commission greater than the tipping point renders the credit relationship unfair under s.140A Consumer Credit Act 1974.

Motor finance

Hopcraft and another v Close Brothers Ltd; Johnson v FirstRand Bank Ltd (London Branch) (t/a MotoNovo Finance); Wrench v FirstRand Bank Ltd; (London Branch) (t/a MotoNovo Finance) (Rev1) [2025] UKSC 33 (01 August 2025)

[2025] UKSC 33

Motor dealers do not owe consumers fiduciary disinterested-duty obligations; the wider bribery basis of liability falls away, leaving narrow s.140A unfair-relationship liability intact.

Covid BI insurance

The Financial Conduct Authority & Ors v Arch Insurance (UK) Ltd & Ors [2021] UKSC 1 (15 January 2021)

[2021] UKSC 1

Business interruption policies should respond to losses caused by the Covid-19 pandemic; the FCA's test case clarifies the construction of disease and prevention-of-access clauses.

ADR

James Churchill v Merthyr Tydfil County Borough Council

[2023] EWCA CIV 1416

Courts can compel parties to engage in non-court dispute resolution where it is proportionate to do so and does not impair the right to a judicial determination.

Secret commission

Wood v Commercial First Business Ltd & Ors (Account / Remedies)

[2021] EWHC 1403 (Ch)

Quantum on rescission for secret commission in a commercial mortgage: simple interest at LIBOR + 4% from each monthly payment; compound interest refused against the supplier.

Restitutionary interest

Dr Rachael Kent v Apple Inc and Apple Distribution International Ltd

[2025] CAT 67

The Competition Appeal Tribunal applies 8% simple interest to restitutionary overcharges, citing Bank of England data on unsecured personal borrowing as the use-value benchmark.

Subsequent treatment — no longer good law

These decisions have been overruled or disapproved by a later authority

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Curated bundles of the leading authorities

Commission disclosure & undisclosed brokerage

s.140A CCA unfair-relationship and equitable cases on undisclosed broker / intermediary commission.

Motor finance & PCP

Authorities driving the FCA PS26/3 redress scheme, including the discretionary-commission framework and the Hopcraft / Johnson / Wrench appeals.

ADR, mediation and the duty to settle

Cases on the court's power to compel ADR and the cost consequences of unreasonable refusal to mediate.

Covid business interruption insurance

The FCA test case and follow-on litigation on disease, prevention-of-access and policy construction.

Secret commission in business energy

Rescission of energy supply contracts procured through undisclosed broker commission.

Restitution and interest measure

The modern English authorities on compound vs simple interest, including Prudential, FM Capital and the recent CAT decisions.

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Supreme Court & Privy Council

Court of Appeal

Senior tribunals