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November 15, 2023

Landmark Supreme Court pro-consumer decision impacting financial services operators

For the 'in brief' description on the 'latest post' screen can you change the content to: On 15 November 2023 the Supreme Court (SC) has handed down Judgment in Canada Square Operations Ltd v Potter [2023] UKSC 41. This Judgment is a landmark, pro-consumer decision which signals to financial services operators that the deliberate concealment of wrongdoing will not be tolerated by the Country’s highest court. In this article, we explain the issues, how the SC reached its decision and what it means practically going forwards.

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November 14, 2023

When is it too late to bring a PPI claim? – Update

You may have seen our earlier article on this topic in relation to the Court of Appeal decision in the case of Smith & Anor v Royal Bank of Scotland PLC. That decision was appealed and referred to the Supreme Court for determination and that decision has now been handed down.

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March 13, 2023

Undisclosed commissions: which creditor is liable?

In undisclosed commission cases where legal assignments have taken place, who is liable as the creditor and responsible for any damages? This case looks at one such example, where the judge concluded the commission was ‘half-secret’ and so a breach of fiduciary duty to the client.

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November 3, 2022

Unfair Relationships and Consumer Credit Legislation

Unfair relationships have been part of consumer credit legislation for well over a decade. During this time, case law has progressed with a varying judicial approach taken. So, what does unfairness look like now?

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November 3, 2022

PCP Claims – Is Car Finance Unfair?

Now a banned business practice, car dealers have long been charging consumers a higher interest rate on their car finance agreements to include dealer commissions. New court cases emerging for PCP claims may result in more and more people receiving compensation for unfair relationships with car dealers.

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November 3, 2022

When is it too late to bring a PPI claim?

The Court of Appeal has handed down judgement in favour of a lender in a case regarding the time limits for bringing a payment protection insurance (PPI) claim. How will this impact the huge number of PPI claims currently going through the Courts?

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November 3, 2022

Energy Brokers and Hidden Commissions

Brokers receive commission from the energy companies for customer introductions, and these commissions are usually added onto a customer’s monthly bill – but customers are rarely, if ever, aware that this is the price of doing business with brokers.

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LATEST NEWS

PCP Claims – Is Car Finance Unfair?
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LATEST NEWS

When is it too late to bring a PPI claim?
Read this post

LATEST NEWS

Energy Brokers and Hidden Commissions
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A fresh approach focused on fairness