A borrower who signs a loan agreement knowing it contains contractual terms is bound by those terms even if they cannot read English, unless they establish a vitiating factor such as unconscionable conduct, which requires proof of a special disadvantage exploited by the lender and that the borrower would not have entered the transaction had the terms been explained.
The full text is available to signed-in members, including the 2 later cases that cite this judgment.
1 of the 2 citing cases carry a classified treatment. How each court treated it is available to signed-in members.