Lender services
- Asset finance & leasing
- Asset finance dispute resolution and recoveries
- Banking litigation
- Collections
- Commercial lending recoveries
- Consumer credit regulation and compliance
- Financial services regulation and compliance
- Marine asset finance
- Mortgage rehabilitation
- Mortgage shortfall
- Professional negligence for lenders
- Receivables finance litigation and recoveries
- Residential mortgage conveyancing
- Residential mortgage recoveries
- Unsecured lending recoveries
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Consumer credit regulation and compliance
Our national team has wide ranging expertise in the field of regulated and unregulated consumer credit asset finance and leasing. We act for major international finance companies, well-known High Street banks and consumer finance businesses, which includes providers of credit cards, personal loans and store cards. The team also advises smaller scale niche credit and asset finance companies on equipment/machinery finance, loans and credit card finance, litigation funding and timeshare finance.
We support clients in their objective to:
- be aware of the commercial and regulatory risks that may impact the conduct of business
- understand the practical issues from consumer credit regulation and compliance
- receive advice from initial marketing and new business initiatives through to collection practices and enforcement
We offer clients advice and support on the following categories:
- all aspects of consumer credit and asset finance law, especially the Consumer Credit Acts of 2006 and 1974
- Data Protection Act 1998 and all related regulations
- secured and unsecured dealer funding (i.e. wholesale) arrangements
- drafting lending agreements, approving regulated advertising and e-commerce initiatives
- regulatory enquiries
- commercial and consumer contracts
- supporting new (lending) business start-ups with respect to processes, documentation and commercial contracts
- advice to lender on OFT and Trading Standards consumer credit regulatory enforcement disputes
- enforcement order applications where agreements fail to meet prescribed terms
- advice and drafting of consumer contract to avoid unfair relationships and unfair contract terms
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Get in touch
Roger Dobson
Associate
T: 03700 86 5664
I: +44 (0)161 954 5664
E: roger.dobson@shoosmiths.co.uk