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I am a barrister specialising in consumer protection work.  My services are:

(a)  Advising on legal merits
(b)  Drafting key documents in a claim (claims and defences);
(c)   Advocacy at court:

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Advice:

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 meritorious 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 proceed.

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 Defences:

If you draft your own defence, you can unwittingly damage your own case.  The defence is the cornerstone 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 unlikely 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 one.

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Advocacy:

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.

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