Which of the following situations does not allow the successful use of unconscionability as an equitable defense?

a. A loan charged 200 percent interest because the debtor was desperate.

b. Unconscionability is never an equitable defence.

c. A third party lied about a material fact during the formation of the contract.

d. There were no third parties involved in or affected by the contract.

e. The defendant lied about material facts during the formation of the contract.