- Lender Services
Our dedicated Partner-led team of Litigation experts is an extension of your business structure. Our aim is to understand your business, offer a commercial approach and provide a solution to your business needs. We will seek to promote your practices within the regulatory framework.
The team is headed by John Perez, Partner and Head of Finance Litigation a specialist in this area of work since 2002, he is supported by Julia Williams, Partner and Head of Debt and Asset Recovery, Jonathan Hall a solicitor and specialist finance litigator and Laurie Kershaw Trainee solicitor. The department is assisted by a team of experienced legally trained clerks.
- Lender Services Testimonials
We have helped people achieve their financial goals in many sectors of lending services particularly in the motor finance trade. A selection of comments from our more than ‘just‘ satisfied clients follow:
“We are delighted to be working with John Perez and his team at Chafes. They have proved to us that they are a very committed and professional group of people, prepared to develop and improve services to us as our needs evolve. Our partnership with Chafes and John in particular, promises to ensure that our litigation activity is second to none.” –Vik Hill, Managing Director, Santander Consumer (UK) PLC
“John has provided first class advice and representation to Duncton for many years, always staying well ahead of the pack in terms of expertise and commerciality. In matters of litigation, we have had some notable successes against the odds thanks to John's skill. I strongly recommend John for these services”–Peter Minter, Managing Director, Moneybarn PLC (formerly Duncton PLC)
"Chafes provide an established culture with a modern twist, enabling win win situations to arise. They have an extensive knowledge of the motor finance industry and are able to offer recommendations/solutions for any issues as and when they arise. They are flexible and approachable and provide a friendly and professional service."–FGA Capital UK Ltd (FIAT)
"The Vernon Building Society has a long-standing relationship with Chafes Solicitors LLP. We value the fact that they offer a truly personal service instead of a conveyer belt approach to clients, which fits well with the Vernon’s Customer Service ethos. Any queries we have are easily answered within a single phone call to one of their skilled staff."–Ian Keeling, Head of Sales & Marketing, Vernon Building Society
“Santander Consumer Finance has been working in partnership with John Perez and his team at Chafes for the last 5 years. There have been many changes within the legal and regulatory framework within this time but I feel reassured that we are constantly kept up to date due to Chafes excellent knowledge of the market. Their partner led team of legally trained individuals offer a strategic approach to collections and recoveries. They deal with matters in an innovative manner, ensuring best practice coupled with success. Chafes provide an excellent service at this time of economic challenge, representing a reliable extension of our business.”–Shaun Deacon, Head of Arrears Management, Santander Consumer (UK) PLC
- Lender Services Team

John Perez | Partner and Head of Finance Litigation
- Over 12 years experience
- Dealing exclusively in the finance sector with emphasis on motor finance
- Work extends from early pre termination collections to handling complex high value claims
- Expertise includes consumer credit directive, finance law, regulatory and compliance, recoveries/litigation and consumer credit
- Member of FLA

Julia Williams | Partner
- Over 10 years experience
- Responsible for the development of the departments case management system and reconciliation and reporting of matter information to clients
- Manages a large team dealing with volume instructions from major commercial clients
- Expertise includes commercial collections / recoveries and all methods of enforcement
- Member of FLA
- Honorary secretary of Macclesfield Law Society
Jonathan Hall | Associate- Over 9 years experience
- Specialise in Finance Law, Regulatory & Compliance, Recoveries/Litigation & Consumer Credit
- Experience in Civil Litigation
Laurie Kershaw | Trainee Solicitor- Currently studying for a training contract
- Will qualify in 2012
- Specialises in Finance Litigation
- Member of Manchester Trainee Solicitors Group
- Lender Services LiteratureChafes Solicitors 5 Star Recovery Tips
View / Download PDFChafes Collections & Asset Recovery Services
View / Download PDFChafes Business Legal Services
View / Download PDFChafes Business and Personal Legal Services
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From our Blog
- Consumer Credit Directive – The Right to Withdraw
- Irresponsible Lending Guidance
- Legal collections at pre issue of proceedings stage of the cycle
- HPI Crushwatch – Vehicle Recovery
- John Perez, Partner at Chafes Solicitors LLP Supports Industry Body
- Chafes Solicitors LLP grows Debt and Asset Recovery Team
- Consumer Credit Directive – What Does It Mean For Me?







