QL CREDIT GAIN FINANCE COMPANY LIMITED(乾隆領達財務有限公司),previously known as HONG KONG CREDIT GAIN FINANCE CO LIMITED(香港領達財務有限公司)and KP FINANCIAL SERVICES LIMITED (中金投集團有限公司) v MORTGAGE & CREDIT LIMITED(富利威信貸有限公司), previouslyknown as AA MORTGAGE LIMITEDand FULLYWELL CREDIT LIMITED