Bassano v Toft & Others [2014] EWHC 377 (QB); [2014] All ER (D) 36

01/06/2014

Anthony Allston appeared in this recent case about the application of the Consumer Credit Act 1974 (as amended) and Regulations under it. A loan by a fine instrument dealer to a musician still had to be repaid despite the fact that it was contained in a chattel mortgage deed which could not be enforced as a security because of non-compliance with the Bills of Sale (1878) Amendment Act 1882. The judge held that a lender did not have to be licensed under the Consumer Credit Act when the loan was a one-off transaction not part of his normal business. For the same reasons it also ranked as a “non-commercial” transaction so did not need to comply with the stringent regulations imposed by Part V of the Act. A separate part of the case established that for the purposes of those regulations a consumer could sign a financial transaction electronically by clicking “I accept”.

 

"The barristers are friendly, thorough and personable and are always willing to help. The clerk's and admin staff are excellent and always go over and beyond to assist."

 

"The cohesive clerking team in Chambers have a combined depth of experience which is second to none."

 

"Impressive skills to handle intractable and challenging divorce and financial remedy cases."

 

"Chambers has a dedicated and professional clerking team. They are able to deal with any enquiry and are most helpful and reassuring" 

 

"They have a wide range of top quality senior and junior barristers who deal with high net worth financial work and can handle any type of children work." 

 

"James Doble has an innate ability to assist in choosing the right barrister for the right case. He leads his team meticulously."