Insights

July 2015

In his 2015 summer Budget, the Chancellor of the Exchequer, George Osborne announced a raft of measures intended to “recognise the hard work and sacrifice of the British people” with a Budget that “sets out a plan for Britain for the next 5 years to keep moving us from a low wage, high tax, high welfare economy; to the higher wage, lower tax, lower welfare country.” 

July 2015

On 25 June 2015, the FCA published its paper reporting the findings of its thematic review of the quality of service provided to consumers in the debt management sector. The firms assessed by the FCA ranged from fee-charging debt management firms of all sizes to free-to-customer organisations such as charities.

July 2015

Increasing numbers of customers are refusing to allow creditors’ recovery agents to collect goods subject to a ‘return of goods order’ on the basis that there is a risk of trespass or damage despite the fact that in most cases the goods in question are clearly visible and there is no evident risk of either.

April 2015

It was reported that the Law Society had escalated its fight against the new court fees payable on commencing civil legal proceedings, by delivering a pre-action protocol letter of claim on 23 February 2015. In some cases, the applicable fee increases equal a rise of 600%.

April 2015

The 78th and 79th updates to the Civil Procedure Rules of England & Wales came into force on 6 April 2015 as widely publicised and scheduled.

However, as well as the 78th and 79th updates, changes to the Pre-Action Protocols (new and amended versions) also came into effect on 6 April 2015 including an updated Protocol for Possession Claims based on Mortgage or Home Purchase Plan Arrears in Respect of Residential Property (the “Mortgage PAP”).

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