The full Court of Appeal judgment can be found here. I would urge anyone thinking of doing business with Consolidated Finance or Bankruptcy Protection Fund to read it, especially paragraphs 55 to 59.
The two firms along with a third one, Alpha Mortgages Manchester Ltd, were in 2010 ordered by the Office of Fair Trading to improve their business practices. An investigation by the OFT found that they "had not been transparent in their dealings with customers and failed to adequately outline the risks involved". More here.
Source: http://blogs.mirror.co.uk/investigations/2013/05/bankruptcy-protection-fund-doe.html
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