Senior lawyer with extensive legal experience providing consumer credit compliance and FCA regulatory advice, particularly to clients in the field of asset finance and unsecured lending. Skilled in guiding clients through the process of applying for FCA authorisation in respect of consumer credit regulated activities. Skilled in drafting contract documentation regulated by the Consumer Credit Act and the associated post contractual documentation, for use on a UK wide basis. Strong advisor for clients on the enforceability of their existing credit documentation and regulated debt collection processes.Providing bespoke training for clients in respect of their obligations and rights in terms of the Consumer Credit Act 1974 and FCA regulation of the consumer credit market. Over 25 years’ experience in dealing with contentious financial services litigation. Involved in litigation throughout Scotland on behalf of banks, finance companies and leasing companies, enforcing agreements regulated by the Consumer Credit Act 1974. Regularly appearing in court at contentious motions, debates and proofs. A pro-active and commercial approach to litigation.