• Acting for The Royal Bank of Scotland in the two leading cases defining the meaning of enforcement under the terms of the Consumer Credit Act 1974 and the obligations of lenders arising from requests for copies of credit card agreements under section 78 of the CCA. The cases of McGuffick v The Royal Bank of Scotland Plc [2009] EWHC 2386 (COM) and Carey and others v HSBC Bank Plc and others [2009] EWHC 3417 (QB).
  • Advising The Royal Bank of Scotland Group in relation to a number of lead cases arising from the successful outcomes of the cases referred to above. These include Teasdale v HSBC [2010] EWHC 612 (QB), Adris v The Royal Bank of Scotland Plc [2010] EWHC 941 (QB) and Sternlight v Barclays Bank Plc [2010] EWHC 8165.
  • Advising a bank on a successful challenge to the claimant's Conditional Fee Arrangement based on breaches by the claimant of sections 58(4)(b) and (c) of the Courts and Legal Services 1990. The case of Oyston v The Royal Bank of Scotland [2006] EWHC 90053 (Costs).
  • Representing the merchant acquirer in the leading case which establishes the ability of the merchant acquirer to chargeback transactions without any implied terms imposed on the merchant acquirer to defend the chargeback through the card scheme. The Governor and Company of the Bank of Scotland v Alfred Truman [2003] EWHC 95.
  • Part of the team of lawyers advising the merchant acquirer in the Court of Appeal case of Lancore Services Ltd v Barclays Bank Plc [2009] EWCA Civ 752.
  • Advising payment service providers (including merchant acquirers and PSPs) in multiple jurisdictions on standard form and bespoke documentation projects alongside advising payments industry players on the application of global payments regulations and EU Directions and Regulations such as PSD I and II and MIF.
  • Advising asset finance clients, asset based lenders and clients in the aviation sector on all aspects of the recovery of assets including freezing injunctions and delivery-up proceedings.
  • Advising merchant acquirers and other payment service providers on the impact of financial crime, data breach and data compromises, including advice on recovery strategies from merchants and issues arising from the application of the card scheme rules and bank payment schemes as to loss recovery.
  • Providing advice to merchant acquiring clients on documentation review projects with particular emphasis on stress-testing key risk and collection clauses.
  • Advising all financial services clients on customer, executive and retail frauds (domestic and international) and seeking freezing injunctions and pursuing tracing and recovery claims both within and outside the United Kingdom.