Profile description
Consumer Credit
Katie is a respected specialist in all consumer credit – related matters, acting for established High Street banks, credit card providers, independent creditors and assignees of regulated agreements. Katie has been extensively involved in all of the well-publicised consumer arguments since 2006 including; unfair bank charges, s.77-79 CCA 1974 requests, mis-sold insurance and investment products and unfair relationships. Katie has also developed a particular specialism in debtor-creditor-supplier agreements and routinely advises, drafts, and represents clients on matters involving defective goods and a creditors’ liability pursuant to sections 56 and 75 CCA 1974. Katie has achieved consistently positive results following Strike Out/Summary Judgment Applications on the basis of limitation pursuant to the Limitation Act 1980. Such applications have involved multiple causes of action and the application of five separate sections of the statute. Successful applications have brought an end to dozens of high-value claims, saving significant trial costs.
Katie has in-depth knowledge of the regulations applicable to Credit Unions and has recently drafted a full suite of fully compliant CCA 1974 documentation including the credit agreement, required annual consumer letters, and default and termination notices.
Katie can provide expert advice and consultation services on CCA 1975 requirements and the implementation of compliant procedures.
Insolvency
Katie advises and appears in relation to many aspects of both corporate and personal insolvency practice. She has extensive court experience and appears regularly in matters including proceedings relating to winding up petitions, personal bankruptcy petitions, setting aside statutory demands, and annulment of bankruptcy orders.
Katie has drafted applications for injunctions relating to insolvency disputes, and appears in the High Court at the substantive hearings for both creditors and debtors.
Katie’s recent experience includes lengthy proceedings where she successfully secured the annulment of four linked personal bankruptcy orders, and obtaining an injunction to prevent the advertisement of an insolvency petition against a charitable trust.
Katie is prepared to accept instructions for work in any courts both on and off the Midland Circuit. Katie currently travels extensively to courts around the country in order to conduct trials.
Katie is hard working, and is always meticulously well prepared. She currently accepts both privately and publicly funded instructions.
Katie is pleased to accept instructions on a direct access basis and is additionally authorised to conduct litigation.
Katie is also authorised by the Bar Standards Board to conduct Litigation.
Notable Cases
Gilbert Deya Ministries v Kashmir Broadcasting [2010] EWHC 2015 (CH)
Link Financial Ltd v Jones [2012] EWHC 2402 (QB) – The judgment can be found here.
VFS Financial Services Ltd v JF Plant Tyres Ltd [2013] EWHC 346 (QB) – The judgment can be found here.