On 10 November, Lou applied to the court. He proved that Shark Finance, with whom he had a home mortgage, had breached a key requirement by failing to disclose all the credit charges debited from his account. Shark Finance has discovered that, through computer errors, there are 4100 borrowers across Australia who have experienced the same breaches as Lou.

(a) what remedies are available to Lou?

(b) What legal action could Shark Finance have taken if it knew Lou was about to lodge a claim?

(c) What remedies, if any, are available to the other4100 borrowers?