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Consumer credit – Agreement. The claimant brought mortgage possession proceedings against the defendant, pursuant to the terms of a written loan facility agreement. A money judgment was given for the claimant. The defendant appealed, contending that the judge had erred in law in enforcing the contractual liability by a money judgment, because the facility was a regulated agreement under s 8(3) of the Consumer Credit Act 1974 and, since its form and content were not as prescribed by the Act and regulations made thereunder, it could only be enforced by an enforcement order. The Court of Appeal, Civil Division, allowed the appeal. It rejected the claimant's submission that the defendant was estopped by her declaration in the facility from denying that the agreement had been unregulated and, in the circumstances, there was no injustice in permitting the defendant to take that point of law for the first time on appeal.
Consumer credit – Agreement. The claimant brought mortgage possession proceedings against the defendant, pursuant to the terms of a written loan facility agreement. A money judgment was given for the claimant. The defendant appealed, contending that the judge had erred in law in enforcing the contractual liability by a money judgment, because the facility was a regulated agreement under s 8(3) of the Consumer Credit Act 1974 and, since its form and content were not as prescribed by the Act and regulations made thereunder, it could only be enforced by an enforcement order. The Court of Appeal, Civil Division, allowed the appeal. It rejected the claimant's submission that the defendant was estopped by her declaration in the facility from denying that the agreement had been unregulated and, in the circumstances, there was no injustice in permitting the defendant to take that point of law for the first time on appeal.
The age of criminal responsibility, extreme weather and conflict resolution – plus, new protocol for reporting bullying at the Bar
By David Green
Mário Barroso, Head of R&D and Method Development at AlphaBiolabs, examines the forensic science underpinning hair drug testing, its evidential scope and limitations, and why it remains the gold standard for evidencing patterns of drug use in family proceedings
Unlocking your aged debt to fund your tax in one easy step. By Philip N Bristow
Clement Cowley, Partner at The Penny Group, discusses the upcoming changes to pensions and Inheritance Tax and the potential impact on your financial future
Save the Children UK is the latest charity to benefit from a £500 donation from AlphaBiolabs via the company’s Giving Back initiative
The Chief Legal Officer to the Metropolitan Police, barrister Brett Welch, tells Anthony Inglese CB about his mission and the work to turn the Met around
Barrister apprenticeships – shortly to provide the fourth pathway to the Bar – are an ideal opportunity to support local talent and ‘grow your own’, say Tim Coulson and Dr Jane Dennehy
Grok around and find out – or not? Mariya Peykova investigates the nudification scandal, what the law has to say about sexually explicit deepfakes, and whether stronger regulation is needed
Oliver Lewis spotlights an overlooked yet rapidly evolving area of law – coercive and controlling behaviour within care contexts
For one night only at Middle Temple Hall (Sunday 26 July 2026) – Abigail Bright introduces the famed annual fundraising theatrical event. This year, Martin Shaw and Jason Watkins perform John Mortimer’s The Dock Brief, a mixture of farce and pathos and all in support of the work of the Kalisher Trust in its 30th year
