Robin has in-depth knowledge of consumer credit law. He is ranked as a leading practitioner in Consumer Finance by Chambers & Partners and in Banking & Finance (including Consumer Credit) by The Legal 500.
Robin has expertise in retail lending requirements and compliance with the technical requirements of the Consumer Credit Act 1974, its subordinate regulations, and CONC. He represents retail lenders and high street banks in consumer credit cases across England & Wales on an essentially constant basis.
In 2020, he appeared in the landmark month-long payday lending test case of Kerrigan v Elevate Credit International Ltd T/A Sunny [2020] EWHC 2169 (Comm) (led by Ruth Bala). The case remains one of the leading authorities on the unfair relationship regime under ss.140A-C of the Consumer Credit Act 1974.
Robin is the co-editor (together with Fred Philpott) of Consumer Credit, Atkin’s Court Forms, Vol 11(2) (2023). He and Fred also jointly edit Consumer Credit, The Encyclopaedia of Forms and Precedents, Vol 12(1)A (2023). Robin is also the author of the chapter on the Consumer Credit Sourcebook (CONC) in the Practitioner’s Guide to the UK’s Financial Services Rulebooks.
Selected cases include:
- Kerrigan & ors v Elevate Credit International Ltd T/A Sunny [2020] EWHC 2169 (Comm): acted for the defendant in this landmark month-long payday lending test case (led by Ruth Bala).
- Notting Hill Finance Ltd v Sheikh [2019] 4 W.L.R. 146; [2019] EWCA Civ 1337: represented the respondent in a procedural appeal arising out of a bridging loan. The Court of Appeal’s judgment resulted in substantive amendment to the relevant White Book commentary (sole counsel).