On June 30, 2026, the UK Court of Appeal delivered a landmark decision in a large-scale consumer lawsuit seeking refunds for unfair fees (overcharges) associated with car loans, a judgment that will shape future history. The core of this winning judgment (Angel v Black Horse) lies in the judiciary's formal recognition that thousands, even tens of thousands, of consumers can have their cases processed collectively within a single procedure through one "omnibus form (collective claim form)," rather than each individual filing extensive documentation and initiating separate lawsuits. This is not merely a procedural victory. It is a practical and fundamental solution that removes the biggest "barriers" to individuals asserting their legitimate rights against massive organizations: litigation costs and prolonged procedures. It signifies the completion of a legal framework (judicial infrastructure) that allows many ordinary consumers to receive legitimate relief without giving up due to the hurdles of cost and time. ■ Our Stance: Promoting Access to Justice Monterey Capital Management Japan Co., Ltd. (Headquarters: Chuo-ku, Tokyo; Representative Director: Kazuhiko Hiruta; hereinafter "Monterey Japan"), as part of the litigation finance strategy managed by its parent company, Monterey Capital Management Pte. Ltd. (Headquarters: Singapore; CEO/CIO: Kei Murata; hereinafter "Monterey Singapore"), has been confident in and supported this outcome from the outset. A society where individuals can utilize the judicial system without fear of costs (improved access to justice) is essential for the development of a sound society. This decision to streamline procedures in the UK perfectly validates the Monterey Group's philosophy of "improving access to justice through finance," and we deeply agree with and strongly welcome this global trend. ■ Finance with Intent: Our Track Record We do not stop at mere verbal support. To underpin this framework for consumer relief with our unique fo