My clients include high street banks, asset funders and asset based lenders as well as other commercial businesses. Whilst I spent many years as a litigation specialist for clients in the financial services sector (in particular asset and consumer finance and mortgage lending). I now advise clients on asset and consumer finance documentation and procedures and FCA regulation and compliance issues (including consumer contract issues, such as distance selling), and more recently on the impact of the Mortgage Credit Directive.
My work has provided me with extensive knowledge of consumer credit, hire purchase and leasing (both finance and operating lease structures) as well as experience of wholesale funding, including fleet and dealer finance); vendor, dealer and broker relationships; mortgage lending, receivables financing and other back to back lending.
I provide advice on new funding projects, particularly wholesale funding from a risk management perspective and give general advice and training on FCA compliance issues, including mortgage regulation and in particular the Mortgage Credit Directive.