Al Tamimi v Khodari (Rev 1)

Al Tamimi v Khodari (Rev 1)

The loans were not subject to the Gaming Act 1892 as there was no stipulation requiring their use for gambling; the loans were not made in the course of a business and thus not regulated under the Consumer Credit Act; the 10% fee was not unfair; and no fiduciary relationship existed between the parties.

Parties
Appellant/defendant: Fahad Al Tamimi; Respondent/claimant: Mohamad Khodari
Jurisdiction
England and Wales
Judgment Date
08 October 2009
Procedural Posture
Civil Appeal / Appeal From High Court Judgment
Outcome
Appeal dismissed
Legal Topics
Enforceability of Gambling Related Loans, Consumer Credit Act Regulated Agreements, Fiduciary Duties in Banking Relationships

Case Brief

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Parties

Fahad Al Tamimi

Appellant/defendant

Mohamad Khodari

Respondent/claimant

Procedural Posture

Civil Appeal / Appeal From High Court Judgment

  1. 1 Whether loans made for gambling purposes are irrecoverable under s.1 Gaming Act 1892
  2. 2 Whether certain loans were unenforceable under s.40(1) Consumer Credit Act 1974
  3. 3 Whether the relationship was unfair under s.140A Consumer Credit Act 1974

Ratio Decidendi

The loans were not subject to the Gaming Act 1892 as there was no stipulation requiring their use for gambling; the loans were not made in the course of a business and thus not regulated under the Consumer Credit Act; the 10% fee was not unfair; and no fiduciary relationship existed between the parties.

Court Disposition

Appeal dismissed

Orders

  • Judgment for the claimant in the sum of £240,500 plus interest
  • Defendant's counterclaim dismissed