The court may reopen a credit contract, a consumer lease, or a buy-back transaction if, in any proceedings (whether or not brought under this Act), it considers that—
(a)
the contract, lease, or transaction is oppressive; or
(b)
a party has exercised, or intends to exercise, a right or power conferred by the contract, lease, or transaction in an oppressive manner; or
(c)
a party has induced another party to enter into the contract, lease, or transaction by oppressive means.