Consumer Finance
UK Guide 2025 : UK-wide
Band 2
Email address
[email protected]Contact number
(0131) 247 1000About
Provided by Morton Fraser MacRoberts
Our Consumer Finance team is one of the strongest finance practices among independent Scottish firms.
The only Scottish based firm advising clearing and challenger banks on consumer finance throughout the UK. We are retained along with, or in competition with, Hogan Lovells, Addleshaw Goddard and Eversheds Sutherland, the other firms who have mainstream practices in this area.
We act for magic and silver circle firms as their own retained consumer credit counsel where they don't have that expertise in-house. We have an impressive list of referral firms.
We continue to advise clients on compliance with FCA regulatory regimes, and particularly consumer credit, mortgage regulation and unfair contract terms under the Consumer Rights Act.
Chambers Review
Morton Fraser MacRoberts has a significant consumer finance team that is particularly strong on FCA regulation and the Mortgage Credit Directive. The team is experienced in advising on marketing campaigns and customer incentives, as well as offering support and training with regard to the Senior Managers and Certification Regime. It also stands out for its handling of contentious consumer debt issues.
Work Highlights
- Morton Fraser MacRoberts advised Scottish Building Society in connection with its Consumer Duty implementation plan.
Strengths
Provided by Chambers
"Morton Fraser MacRoberts provide quick and detailed feedback and are happy to arrange calls to discuss anything their client is struggling to understand."
"They are brilliant on turn around and service."
"There is a strong depth and breadth of knowledge and experience among team members."
"The firm is very efficient and able to prioritise when the matter is of an urgent nature."
"The team at Morton Fraser MacRoberts has excellent response times and management of expectations."
"Morton Fraser MacRoberts provide quick and detailed feedback and are happy to arrange calls to discuss anything their client is struggling to understand."
"They are brilliant on turn around and service."
"There is a strong depth and breadth of knowledge and experience among team members."
"The firm is very efficient and able to prioritise when the matter is of an urgent nature."
"The team at Morton Fraser MacRoberts has excellent response times and management of expectations."
Notable Practitioners
John Lunn heads the consumer finance team in Edinburgh. He has extensive knowledge of the regulation of consumer loans, contracts and mortgages and also has specialist expertise in the law surrounding heritable securities.
"John is very knowledgable, patient and helpful."
"John is quite simply a legend. He is kind, fair and knows his stuff."
"John's responsiveness and his calm and measured manner are absolutely brilliant."
"His advice, and the professional and pragmatic way in which he goes about his business, is very valuable to clients."
Bev Wood has a significant consumer finance practice and is particularly knowledgeable regarding motor finance matters.
"Bev has the knowledge and the know-how that clients really value."
"A serious player in the market with really deep legal and factual knowledge."
Ranked Lawyers at
Morton Fraser MacRoberts
UK-wide
Clients
Provided by Morton Fraser MacRoberts
Drover Limited
Glasgow Credit Union
Lex Autolease and Black Horse Limited
Lloyds Banking Group
Marsh Finance Limited
North Edinburgh and Castle Credit Union Limited
Scottish Building Society
Startline Motor Finance Limited
TSB Bank plc
Zenith Leasedrive