PLC Apr 22 – ‘Campbell’ and the Business Purposes Exemption

04 May

In April’s PLC column Ruth Bala considers the application of the “business purposes” test in the regulated lending sphere, following the judgment of the High Court in Campbell v Tyrrell & ors [2022] EWHC 423 (Ch).

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PLC Dec 21 – Smith v Royal Bank of Scotland; limitation and unfair relationships

07 January

In the December 2021 column, Sabrina Goodchild considers the recent judgment in Smith v Royal Bank of Scotland plc [2021] EWCA Civ 1832. The case concerns the limitation period applicable to unfair relationship claims under the Consumer Credit Act 1974 (CCA) and the effect of the transitional provisions governing the same.

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PLC Oct 21 – Rescission of a Loan

26 October

In October’s PLC column Ruth Bala considers the mechanics of rescinding a loan, taking into account the recent decision on quantum in Wood v Commercial First Business Ltd (dissolved) & ors [2021] EWHC 1403 (Ch)

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PLC Sep 21 – Goodinson and Default Notices

30 September

In September’s PLC column Thomas Samuels considers the recent case of Goodinson v PRA Group (UK) Ltd [2021] EWCA Civ 957 concerning the evidential value of reconstituted default notices.

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PLC Jun 21 – By Way of Business

30 June

In June’s PLC column, Lee Finch considers the “by way of business” following the recent decision in Jackson v Ayles and another [2021] EWHC 995 (Ch).  

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PLC Aug 21 – Solar Panel Mis-selling

07 September

In August’s PLC column, Sabrina Goodchild considers the recent solar panel ‘mis-selling’ case of Hodgson v Creation Consumer Finance Ltd [2021] EWHC 2167 (Comm), which concerned alleged misrepresentation and sections 56 and 75 of the Consumer Credit Act 1974.

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March 2021

01 June
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PLC May 21 – Broker Commission post-Pengelly and Wood

29 May

In May’s PLC column, Ruth Bala considers how to defend broker secret commission claims following the recent decision in Wood v Commercial First Business Ltd & ors and Business Mortgage Finance 4 plc v Pengelly [2021] EWCA Civ 471.

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PLC Mar 21: ‘Gertner’ and Tomlin Orders

08 April

In March’s PLC column, Thom Samuels considers the recent case of CFL Finance Ltd v Gertner [2021] EWCA Civ 228 and its implications for Tomlin Orders.

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PLC Feb 2021: Consumer Credit Exemptions

07 March

In February’s column, Lee Finch considers the consumer credit exemptions in Articles 60C to 60H of the Regulated Activities Order 2001, focusing on the most commonly used exemptions and potential developments on the horizon.

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