The same Law Lords panel should be asked to reconsider the recent OFT acceptance that credit card purchases where a third party payment processor such as paypal is also involved lose their CCA protection.

So far as the buyer and seller are concerned, it is still a purchase that has been funded by a credit card. There is absolutely no reason why such payments should be singled out to be exempt from the protection -- and if there is indeed any language in CCA that makes that protection less certain, that language needs to be routed out and rewritten to eliminate the possibility of doubt.

Like most of these cases, we waste too much time arguing about what the law says, and not enough time making it say what it needs to say.

In unanimity, in magnanimity.

I guess it's too much to hope that TSB and pals will now slink off quietly and liquidate themselves in a corner.

And yes, there remains work to be done. Paypal. (Say Whose pal?) And the little case of the now unreclaimable bank charges due to a cosy little parlez-vous between the banks and the FSA.

So another toast to M'Luds, then, and here's hoping those future cases can be disposed of as easily -- by RTFM.