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August 2015

The new PPI?

Stakeholders in the financial services sector are already acutely aware of the developing trend of consumers instigating financial mis-selling claims against them.  

In this White Paper we consider the background behind the increasing number of mortgage mis-sale claims relating to residential mortgages, how these claims are typically formulated and what lenders can do to prepare.

April 2015

Past, present and potential future impact

With the result of the Civil Procedure Rules Committee’s consultation on the form of a specific pre-action protocol for debt claims eagerly awaited and following the introduction of the Practice Direction on Pre Action Conduct and Protocols which came into force on 6 April 2015, keeping up with changes in this area of law is no easy task.

July 2014

Unintended consequences and the potential impact on the credit and debt market

The proposed EU data protection legislation threatens to change fundamentally the way lending decisions can be made. In this white paper, we consider the unintended consequences of the proposed legislation and the potential impact on the UK’s credit and debt market.


May 2014

In recent months the debt purchase panels at the big banks have been reduced to a handful of the biggest buyers. 

In this White paper we take a look at the UK’s Debt purchase market, with a particular focus on the areas of compliance, reputation and risk. 


March 2014

A significant Court of Appeal case, won by Optima Legal, has given lenders a clearer sense of their position when accepting mortgage payments from third parties.

As pressure mounts on personal finances, it may not come as a shock that banks and building societies receive many thousands of mortgage payments every day from someone other than the contracted borrower.