Evans v Cherry Tree Finance [2007] EWCA 3527 (Ch) . On instructions from Chadwick Lawrence of Huddersfield we persuaded a Chancery Judge that the use of the Rule of 78 as a basis for a redemption charge in non status consumer lending over a substantial term contravened the Unfair Terms in Consumer Contracts Regulations 1998 in that it was opaque and unclear and failed to comply with the requirements that the terms should be in plain, intelligible language. and they required Mr Evans to pay a disproportionately high sum in compensation for early termination.

Evans v Cherry Tree Finance Limited [2008] EWCA Civ 331. On further instructions from Chadwick Lawrence we fended off a collateral attack on the decision above mentioned challenging the applicability of the Regulations to a business man making a commercial agreement outside his normal business. The Court of Appeal held that Mr Evans was a consumer under the UTCC Regulations 1998 and that they applied to his mortgage despite the premises having a commercial use.

Brandon v American Express [2011] EWCA Civ 1187. On instructions from Trinity Law Solicitors of Huddersfield we obtained permission to bring a second appeal and persuaded the Court of Appeal that time taken for posting should be allowed for when considering the date of service of a default notice and that the  period specified between service of a default notice and the 'remedy by' date of 14 days was neither discretionary, nor was failure to provide it de minimis if payment had not been effected within the period concerned.  Further an attempt by AMEX to change its case between the first hearing and the first appeal without amendment should not have been permitted and the issues ought not to have been determined summarily either at first instance or on the first appeal.