Consumer credit contract dismissed due to invalid administrative fees and full repayment by defendant.

The court dismissed the bank's claim for the remaining balance because the defendant had already repaid the entire loan principal and interest. The plaintiff argued for the full debt including administrative fees, while the defendant contested the contract's validity citing prohibited clauses and the Consumer Credit Act. The court ruled that since the defendant paid more than the valid debt amount, the obligation ceased, and the bank must pay the defendant's legal costs.