About the Owner
Between 2006 and 2009, he worked at HBOS (latterly Lloyds Banking Group) and was a leading figure in the Bank Charges Litigation before the High Court, Court of Appeal and Supreme Court. The Supreme Court ultimately found in favour of the Banks and accepted the argument under Regulation 6 (2) of the Unfair Terms in Consumer Contracts Regulations 1999 that overdraft charges were “core charges” and as such charges amounted to remuneration they were incapable of being assessed for fairness: either by the Office For Fair Trading (“OFT”) or the Courts.
During his time at the Bank, Jamie also extensively dealt with applications for injunctions and freezing orders and Protection from Harassment Act Claims, where it was alleged that the Bank had unlawfully harassed customers for outstanding debts.
Jamie worked at Eversheds LLP between 2009 and 2014 where he assisted in the British Banker’s Association (BBA) Judicial Review High Court challenge into the rules established by the Financial Services Authority (FSA) to deal with PPI Complaints. He also developed a well regarded niche practice in dealing with challenges brought by customers under the Consumer Credit Act 1974: including arguments in relation to unenforceable agreements (cases including Carey and McGuffick), the Consumer Credit (Total Charge for Credit) Regulations 1980, the Consumer Credit (Agreements) Regulations 1983, FCA Rules (including ICOB and CONC), multiple agreements, secret commissions, fiduciary duties and unfair relationships.
Jamie’s interests are rooted in sport, music and literature: a self-confessed super fan of Manchester United, test cricket, The Beatles (John and George only), late 80s Indie pop (Stone Roses and Pixies) Truman Capote, George Orwell, Francoise Sagan, TS Eliot and Dylan Thomas among others. Jamie has also been known to wield the willow from time to time, dabble in a bit of 5-a- side now and then and write the odd novel and anthology of poetry.