In Westpac Bank v Cockerill 1998 the Full Federal Court decided that in entering the refinancing agreement:

a. There was a lack of genuine consent by Cockerill because the refinancing agreement was entered into under economic duress.

b. There was a lack of genuine consent by Cockerill because the refinancing agreement was not entered into under economic duress.

c. There was not a lack of genuine consent by Cockerill because the refinancing agreement was not entered into under economic duress.

d. There was a lack of genuine consent by Cockerill because the refinancing agreement was entered into under unconscionable conduct.

e. There was negligence by Westpac because it had failed to properly advise Cockerill on the refinancing agreement.