I am a barrister specialising in
consumer protection work.
on legal merits
Drafting key documents in a
claim (claims and defences);
Advocacy at court:
In consumer credit cases just
because you owe the money does not mean the debt is
enforceable. The regulations are complex. The only
thing you can be sure of is that your creditor will
not tell you if they have breached regulations in
your case. Scrutiny of the case brought against you
often pays dividends.
Early advice can save you time,
money, hard work and stress. It gives you an initial
appraisal of your case, by someone who conducts such
cases every day in court.
In routine consumer credit work
I will send you a detailed
questionnaire to complete, (with email follow up if necessary)
to ensure I understand your case.
Then, based on
what you tell me and the documents you show me I
will advise you on the merits of your case and formulate a
case strategy for you which has two purposes, namely
to present your best case in the event of a trial
and to show your creditor you have a meritoriuos
case and the determination to have it heard.
The best way to
settle a case on good terms is to fight it hard from
the outset and be seen to do so.
I cannot guarantee the outcome of
disputed litigation for you. No one can. But I can
give you an idea how strong or weak your case is,
along with the reasons for my opinion, and advice
how best for you to proceeed.
If you draft your own defence, you
can unwittingly damage your own case. The
defence is the conerstone of your case. To draft it
for you is the most
important thing I can do for you. If you do it
yourself you are unlikley to do yourself justice.
Creditors win more cases because defendants do not
state their defences correctly at the outset, than
for any other reason. What you may think of as
your main defence may turn out to be one of a number
of defences open to you and not even the strongest
If instructed I will prepare your
case, submit a skeleton argument where appropriate,
provide the court will all necessary legal
authorities and present your case in court.
Remember too that if your case does not merit legal
representation at trial the preparation of a written case to
submit to the court can ensure that no points in
your favour are missed