Graham O'MalleyinAdviser onlineBailiffs and vehicles on hire purchaseEnforcement agents (bailiffs) are still taking control of goods that are on hire purchase (HP) contracts. Advisers also see bailiffs…Aug 27Aug 27
Graham O'MalleyinAdviser onlineFinancial Conduct Authority (FCA) Consumer Duty — what it is and how advisers can use itThe FCA’s Consumer Duty (the Duty) launched on 31st July 2023. The associated rules and guidance are lengthy. This article aims to…Jan 22Jan 22
Graham O'MalleyinAdviser onlineUtility debt and unaffordable direct debitsThis article looks at Direct Debit increases by suppliers and the action that you could take to help clients.Jul 4, 2022Jul 4, 2022
Graham O'MalleyinAdviser onlineThe £150 cost of living council tax rebateIn March 2022 the government announced they would fund councils to pay £150 to eligible households, to help with the cost of living crisis…Apr 21, 2022Apr 21, 2022
Graham O'MalleyinAdviser onlineBreathing Space, additional debts, cancellation, costs and more: ‘The epic of Axnoller’A case law update looking at Axnoller Events Ltd vs Brake and another, Brake and others vs Chedington Court Estate Ltd [2021] EWHC 2308…Jan 10, 2022Jan 10, 2022
Graham O'MalleyinAdviser onlineBreathing Space and overdraftsThis article assumes some knowledge of the Breathing Space scheme. For an overview of Breathing Space, read Lorraine Charlton’s article.May 25, 2021May 25, 2021
Graham O'MalleyinAdviser onlineSetting aside a bankruptcy petitionIn Ndyabakiha v Hitachi Capital UK Plc [2021] EWHC 633 (Ch) the High Court set aside a bankruptcy order based on a late and unevidenced…Apr 1, 2021Apr 1, 2021
Graham O'MalleyinAdviser onlineBailiff action to restart and what this means for advisersGraham O’Malley explains how legal changes affect advice, and looks at industry guidance that might help clients.Aug 6, 2020Aug 6, 2020
Graham O'MalleyinAdviser onlineTax credits debt — imprisonment and taking control of goodsA long-form article looking at what could make tax credit debts a priority debt and how the FCA rules for debt advisers and Debt Advice…Feb 5, 2020Feb 5, 2020
Graham O'MalleyinAdviser onlineAffordability complaintsA long form article looking at affordability complaints and the rules to use when helping with them.Jan 22, 2020Jan 22, 2020
