All articles by John Perez

John Perez

Consumer law’s imminent major overhaul

On 23 January 2014, the Consumer Rights Bill, a bill “for a simple, modern framework of consumer rights” to quote the Consumer Rights Bill website, started its journey through Parliament.

Review default procedures as CrushWatch expands

John Perez on the growing application of the work of the FLA, HPI and ACPO.

Motor lenders beware

Under the Consumer Credit Act 1974 the Office of Fair Trading (OFT) must be satisfied that the holder of a consumer credit licence is deemed to be a person fit to engage in the activities identified on the licence application

Satisfactory quality concerns

In times of economic downturn, customers have used SQ complaints as an excuse to stop payments on their finance agreements which is often the cause of adversary between the finance company and their customer from the offset.

Recovering assets from the police

The Vehicle Recovery Protocol, commonly referred to as the HPI Crushwatch Scheme, was set up as a joint initiative between the Finance & Leasing Association, HPI and the Association of Chief Police Officers (ACPO) in England