Aware of the towering importance of the car-finance ruling in the Supreme Court, I sat down to watch the entire judgment, delivered by Lord Reed. And promptly fell asleep.

The judgment is complicated, yet the basics of buying are very simple. If you have willingly entered into a deal, whether it's to buy a car or any other product, you shouldn't be entitled, many years later, to suddenly claim you were robbed and therefore deserve a huge wodge of compensation. The essence of any contract is a willing seller and a willing buyer. And back to sleep . . .

People in power........

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