- Finance Litigation Services
Our finance litigation team is widely renowned as one of the strongest in the UK. We act for major finance companies specialising in the areas of motor and property finance. We pride ourselves in having an in depth knowledge of our clients business and the real issues facing their particular industry.
Our lawyers all possess a detailed knowledge of the Consumer Credit Act 1974 and associated Regulations. We have also assisted our clients with strategic decisions relating to the implementation of the Consumer Credit Directive. We also provide both contentious and non contentious advice and assistance to our motor finance clients providing wholesale dealer funding facilities.
We are aware of commercial considerations in running a specialist defended case. Whether a case is being run in the small claims track or multi track, we constantly monitor the clients legal spend pursuant to an individually tailored costs benefit analysis for each client. We also have the necessary depth of experience in being able to deal with urgent matters with immediate reaction, and sensitive cases with the required reputational awareness.
An example of our expertise in this area:
- Satsifactory quality disputes
- Conversion claims
- Referred disputes to the Financial Ombundsman Service
- Contractual disputes relating to Hire Purchase or Lease Hire
- Disputes relating to enforceability of agreements
- Fraud disputes and associated remedies
- Claims against Guarantors
- Security enforcement and realisation
- Injunctive relief
- Innocent purchaser claims
- Claims involving Unfair Relationship allegations
- Wholesale asset and debt recovery
Our aim is to be a real alternative to the magic circle firms in London. We are confident that our finance company clients receive the holistic service more often seen in the City.
- Finance Litigation 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
- Finance Litigation LiteratureChafes Solicitors 5 Star Recovery Tips
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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?







