 Essentially, the court ruled that only the bank benefitted from the agreement to raise the amount of the mortgage, and that it had exploited Bundy's weakness.The transaction was found to be unconscionable and Bundy only had to honor the lower mortgage amount.It is notable that Denning's judgment did not represent the law in "National Westminster Bank plc v Morgan", in which a family home was likewise subjected to a second mortgage to secure a loan on the husband's business with Abbey National Bank.