Category: Contract

Primary Keywords Consumer Credit Act 1974 reform solicitors Consumer credit dispute lawyers UK Consumer Credit Act borrower rights claims Section 75 claim solicitors Unenforceable credit agreement lawyers Long-Tail Keywords Consumer Credit Act 1974 reform legal advice UK Challenge unenforceable credit agreements before CCA repeal Section 75 lender liability claims solicitors Unfair relationship claims under sections 140A-140C CCA Motor finance voluntary termination rights legal advice Consumer credit litigation specialists London High-Intent Keywords Consumer Credit Act claim before law changes Challenge lender misconduct under CCA Credit agreement unenforceability solicitor Consumer credit rights repeal legal advice LEXLAW consumer credit dispute specialists Borrower rights under Consumer Credit Act reform

Consumer Credit Act 1974 Reform: What Borrowers Need to Know

From outdated statute to FCA rulebook: the Consumer Credit Act 1974 is facing its most significant overhaul in fifty years. Automatic sanctions that have protected borrowers for decades are proposed for repeal, voluntary termination rights hang in the balance, and the window to enforce existing statutory protections is closing. Here is what every borrower needs to know before the law changes.

Interest Rate Swap Mis-selling: Do You Still Have a Claim in 2026?

Interest Rate Swap Mis-selling: Do You Still Have a Claim in 2026?

Thousands of UK businesses were mis-sold complex interest rate hedging products (IRHPs) by major banks between 2001 and 2012. While the FCA’s formal review scheme has closed, significant routes to redress remain open in 2026, particularly for victims of hidden swaps, LIBOR manipulation, and professional negligence. This article explains who can still claim, why time is critical, and what a specialist solicitor can recover for you.

Manolete Partners Plc v Trevor Howarth

Success: Defence of Manolete Director Repayment Claim

In Manolete Partners Plc v Trevor Howarth [2024] EWHC 2294 (Ch), the High Court dismissed a £101,000 claim against the former CEO of One Legal Services. Manolete alleged that repayments to Mr Howarth’s director loan account during the firm’s CVA were unlawful preferences under the Insolvency Act 1986. Judge Barber disagreed, holding the payments were made in good faith.

Relief from Sanctions Applications / Civil Litigation / Expert London Litigation Lawyers / LEXLAW

When will the Court Grant Relief from Sanctions under CPR 3.9 (Civil Litigation)?

An application for relief from sanctions under CPR 3.9 is available where a party has failed to comply with court deadlines or procedural rules. The court will apply the three-stage test from Denton v TH White Ltd, considering (1) the seriousness of the breach, (2) the reasons for the default, and (3) all the circumstances of the case. Relief must be sought promptly, as delay may undermine the application.

McGuinness & Anor v Goldentree Financial Services PLC & Anor [2025] EWHC 870 (Ch)

Case Study: Commercial Lender Defeats Consumer Credit Claim (McGuiness v Goldentree 2025)

McGuinness v Goldentree [2025] EWHC 870 (Ch) clarifies investment property loan exemptions under Article 61A FSMA 2000. The High Court struck out regulatory challenges to commercial development finance, confirming contemporaneous evidence establishes business purposes. The judgment reinforces that former directors lack litigation authority during administration without administrator consent. This decision protects legitimate commercial lending from spurious consumer credit challenges whilst emphasising robust documentation practices for development finance practitioners.

HMRC Time To Pay Arrangement Guide 2025: How to Negotiate a Repayment Plan for Unpaid Tax

A time-to-pay proposal enables a debtor to negotiate structured repayment terms with creditors, creating a legal pathway to avoid insolvency while ensuring creditors’ rights are protected. Commonly sought by companies with tax arrears, such arrangements require careful preparation and timely negotiation to maximise acceptance.

WhatsApp digital messages can form legally binding contracts in English law.

Are WhatsApp Agreements Valid Contracts? High Court Rules in Jaevee Homes Limited v Fincham

Legally binding contracts in UK contract law can be made via WhatsApp, email, & text messages. The Jaevee Homes v Fincham High Court ruling confirms digital agreements require offer, acceptance, consideration, & intention (based on an objective test). Understand contract formation via electronic communication & risks of informal digital contracts in English law.