Allen borrowed $300 from Baker. Carter asked Allen to lend him the $300 for one day. Allen agreed to lend Carter the money provided that Carter would promise to pay the $300 to Baker instead of to himself, Allen, on the following day. Carter promised as requested, whereupon Allen loaned him the money. Carter then failed to pay the money to Baker as agreed.

Does Baker have a cause of action against (a) Carter, (b) Allen? Explain.