Consumer Credit Act Debts

Whether you hold a debt as a Lender or following legal assignment, our solicitors are familiar with dealing with a variety of claims which are regulated under the CCA.

They are familiar with the governance laid down by the Financial Conduct Authority so far as it relates, not only to the work we undertake, but also the regulations as they apply to the client.

Benefits for you

  • Our processes have been adapted to ensure compliance with CONC and clients feel comfortable that all activity by us will support their own procedures. We also believe we are sufficiently aware to identify issues that may have slipped through clients’ own checks such as those relating to “vulnerable customers”.
  • As solicitors, we would be expected to “treat the customer fairly”. However, we do not believe that this should adversely impact our clients’ right to pursue their claim by any and all legitimate methods subject to the provisions of the FCA.
  • Clients are provided with free, password protected and unlimited access to the electronic data case records we hold for them. This allows clients to know exactly where each and every case has got to on a real time basis at any moment. It also allows our clients to prepare in-house reports on the cases we hold including all and any payments received by us at any point. In this way, we ensure clients are compliant with CONC 7.5.5.
  • Our team are very familiar with the “template” defences and “three letters” program favoured by many debtors and as provided by certain web based “advisers”. By adopting a firm, robust, but fair, approach to these, we have been able to significantly improve our clients’ ability to obtain Judgment without incurring unnecessary or disproportionate costs in doing so.


Please telephone and speak to one of our lawyers for free on 0800 037 1625 or fill in the online form to request a call back and someone will ring you within 24 hours.

You can access any of our company, commercial and business lawyers at any of our offices spread throughout Surrey, Hampshire and Greater London including Kingston upon Thames, Bordon, Cheam, Canary Wharf, Leatherhead, Raynes Park, Surbiton, Tolworth or Walton on Thames.