The UK's highest court begins a hearing to determine whether controversial car loans were unlawful, in a case that could cost banks billions of pounds in compensation. Banks are appealing a landmark ruling by a Court of Appeal in November that deemed it unlawful for car dealers to receive a commission on loans without sufficiently informing borrowers. "We had one client ... who had £16,000 worth of commission hidden within his agreement," says Sam Ward, director of the law firm representing thousands of claimants. IMAGES AND SOUNDBITES