Paragraph (3) of the judgment is vacated. In all other respects, the judgment is affirmed. The order denying the motion for judgment n.o.v. or for a new trial is affirmed. The case is remanded to the Superior Court for findings of fact and conclusions of law consistent with this opinion and the entry of a new judgment on the G.L.c. 93A claim. In this connection, the judge may, in her discretion, invite from the parties written memoranda and oral argument.