Hire purchase agreement for Porsche does not comply with consumer legislation

Consumer hire-purchase agreement for car which plaintiff seeks to enforce - seeks return of car and payment of outstanding balance - rights of parties depend on separate agreements entered into by defendant and defendant's wife - defendant's wife entered into hire purchase agreement with plaintiff for Porsche in September 2007 - total original "cash price" of vehicle €216,000 - total finance provided €130,000 - repayable by 60 monthly installments - defendant took over payments in January 2009 - ceased payments in October 2009 - in February 2010, defendant signed new hire-purchase agreement for car - defendant believed he was signing agreement assigning his wife's existing interest to him - wife signed letter of consent agreeing to assign her rights and obligations - "half price" on original hire-purchase agreement already surpassed at time of new agreement - "cash price" of new agreement stated to be €87,274.62 - whether defendant entered into new hire-purchase agreement or assignment - whether new agreement in compliance with ss. 58 and 59 of the Consumer Credit Act 1995 - whether any fresh consideration pursuant to new hire-purchase agreement - Court finds that new "cash price" not in compliance with relevant provisions of Consumer Credit Act - that defendant was misled as to his rights - at time of new agreement, defendant could have availed of "half rule" whereby he would have been able to return the car and relieve himself of further liability - failure to comply with terms of Consumer Credit Act deliberate - reliefs sought by plaintiff refused - defendant has enjoyed considerable use of the car without paying installments - submissions invited as to whether and how court should exercise its power to modify the agreement under s. 66 of Consumer Credit Act.