Hywel represented the Claimant (C) regarding his claim for PPI under the Consumer Credit Act. C did not attend the final hearing, but Hywel successfully submitted the trial could still proceed in his absence, notwithstanding the Defendant (D) seeking the matter be struck out. Hywel successfully rebutted D’s next argument that the matter had been compromised by way of C accepting a redress payment, relying on Foskett’s four principles of compromise and Arrale v Costain. The judge accepted C’s submissions that the relationship was unfair, given the commission rose as high as 90%, with reliance on Plevin v Paragon, and awarded damages at 90% of the entire PPI premium and contractual interest, as the judge considered C would still have benefitted from the policy. Hywel also obtained statutory interest at 5%.