Personal Banking | Consumer Finance
In this regulated area of business we help numerous clients navigate the risk, compliance and regulatory issues associated with the provision of finance to consumers, and act in enforcement of security and in the resolution of associated disputes.
We are panel lawyers for banks and providers of financial services to consumers for the documentation of such finance facilities and associated security.
Our expertise:
- consumer credit
- regulated and unregulated mortgages
- private and retail banking
- equipment finance
- asset-backed lending and pawnbroking
- associated retail banking services, including money transfer, payment systems and safe deposits
- manufacturer and retailer product finance
- loans to trust beneficiaries and family members
Our experience:
- advising UK and overseas banks providing residential loans secured on residential property
- acting for lenders providing personal unsecured loan finance
- advising providers of vehicle finance, including hire purchase and leasing services
- advising providers of finance of bespoke medical devices and medical implants
- acting in respect of online and physical asset finance and pawnbroking services, and on payment and money transfer services
- gold and precious metals financing and safe deposit services
- security over share and bond portfolios and cash collateral
We act in resolving disputes before the courts, both directly in consumer finance matters and also in wider disputes involving land, fraud, asset tracing and insolvency. We handle complaints to the Financial Ombudsman Service.
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Articles & Publications
For private companies looking to grow and build their business, initial public offerings (IPOs) are still a great way to raise money for future expansion, and can be achieved without the potential restrictions or loss of control that can come with taking investment from private equity funders / funds.
A guide to completing an IPO or other admission to the main market or growth market of the Aquis Stock Exchange.
Cross-border private M&A deals between UK sellers and US buyers were on the rise in 2024 and are predicted to continue to rise during 2025. These transactions bring compelling opportunities: UK sellers can tap into substantial US capital, while US buyers gain a foothold in the European market.
Employee Ownership Trusts (EOTs) have seen a significant surge in the popularity in recent years, and this trend is expected to continue following the latest Budget announcements on 30 October 2024.
ECCTA comes into force in stages and this article aims to provide a concise overview of what changes have been introduced, what are the upcoming changes and how to prepare for them. Organisations should be aware of these changes to ensure compliance and avoid the risks of penalties.
The Economic Crime and Corporate Transparency Act (the “Act”) has introduced a number of reforms to Companies House in March this year. One of the Act’s aims is to improve corporate transparency and enhance the role of Companies House.
In our latest review we reflect on some notable developments and trends in UK corporate and commercial law.
The UK government has been exploring a programme of wide-ranging reforms to the listing regime since 2020. This was driven in part by market feedback indicating that the UK listing regime was regarded as overly burdensome and deterring companies from listing in the UK.
In the second part of our year end recap, we reflect on some of the more notable developments of the past 12 months in the areas of Mergers & Acquisitions, Corporate Governance and Business Crime.