John Pugh's Chambers
707 - 709
The Corn Exchange
Fenwick Street
Liverpool
L2 7RB

Specialists in consumer credit and commercial debt litigation

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John Pugh LLB (Hons)
Barrister

Eileen Ashton JP LLB (Hons)
Practice Manager

Suzanne Thomas
Administrator

Recent Reported Cases

Euro London Limited v Claessens [2006] EWCA Civ 385. On instructions from Berkson & Berkson of Birkenhead we persuaded the Court of Appeal in a second tier appeal to distinguish between primary payment obligation and a liquidated damages claim when a a payment obligation was contingent on an event which was also a breach (i.e. loss of rebate for early termination under a recruitment agency agreement due to non payment of original invoice).

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.

Tel: 0151 236 5415    •    Fax: 0151 227 5468    •    Email: Info@johnpughschambers.co.uk    •    DX 14182 Liverpool