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Profile: Consumer Credit
Experience and Expertise
William has developed particular expertise in advising on, and litigating, issues concerning consumer credit law. This has involved work in all areas of the operation of the Consumer Credit Act 1974 including the categorization of consumer credit agreements, multiple agreements and linked transactions, advertising regulations, the licensing of money lenders, compliance with formality and the provision of information in the formation and enforcement of consumer credit agreements, ancillary credit businesses, and unfair relationships between lender and borrower (formerly extortionate credit bargains).
William has also acted for mortgage lenders in a range of claims, from lending alleged to have been procured by fraud to allegations of negligence in valuation and sale of properties by a mortgagee in possession.
Cases and Work of Note
- In particular William has acted for the successful lender in Shaw v Nine Regions Ltd  EWHC 3514 (QB), which remains one of the few cases in which the court has considered the application of its powers to reopen consumer credit agreements in cases of an alleged unfair relationship between borrower and lender under section 140A of the Consumer Credit Act 1974;
- In 2011 in Log Book Loans v OFT, William led a fellow member of chambers in representing lenders in long-running appeals concerning fair business practices including the use of Bills of Sale in consumer lending, an appeal which included examination of more than twenty-five OFT witnesses before the First Tier Tribunal;
- William acted for the successful defendant in Caws and others v Boyce  EWHC 691 (Ch), a case concerning a series of alleged mortgage frauds.