Barrister specialising in commercial litigation, including banking and finance (including consumer credit), financial services, professional negligence, fraud and insurance. Banking and finance (including consumer credit): Charlotte is regularly instructed on behalf of retail banks in relation to mis-selling claims of investment and insurance products (including payment protection insurance and interest rate hedging products) and other banking disputes concerning guarantees, consumer credit agreements and other secured and unsecured loan facilities. She advises regularly in relation to banking financial services and consumer credit regulation. Reported cases include: Claims Group Direct Ltd v Lloyds TSB Bank plc (t/a Welcome Financial Services) and ors (2009) (PPI claims; champerty; striking out); Anfield (UK) Ltd v Bank of Scotland plc and ors [2011] 1 WLR 2414 (Ch) (subrogation; lender’s charge; registration); Holdstock v Endeavour Personal Finance Ltd [2012] EWCA Civ 1781 (PPI; unfair relationship). Financial services: After two secondments to the Financial Services Authority; Charlotte has a depth of experience in regulatory work and, in particular, insurance business transfers. The type of regulatory work undertaken includes advising on: perimeter and passporting issues; the fit and proper person test; and compliance with the conduct of business handbook. Insurance business transfer decisions include: Royal Sun Alliance Insurance plc and ors and Europa General Insurance Company Ltd [2008] EWHC 3436 (Ch); Sompo Japan Insurance inc and Transfercom Ltd [2011] EWHC 260 (Ch); Direct Line Insurance plc and Churchill Insurance Co Ltd [2011] EWHC 1667 (Ch). Professional negligence: acting on behalf of lenders in mortgage fraud claims brought against a network of solicitors and valuers.
