Court partially allows consumer loan claim, awarding principal but striking unfair penalty clause.

The court granted the plaintiff's claim for the loan principal and statutory interest while dismissing the request for the agreed penalty fee. The defendant, a consumer, failed to appear, leading to a default judgment where the judge applied mandatory consumer protection rules. Although the loan was short-term, the court found the penalty clause unfair because it covered all outstanding amounts without proof of actual collection costs, rendering it inapplicable.