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Regulation and Business Customers

We pointed out in an article in the Briefing last summer that the extent to which there should be any regulation of transactions with business customers has been a matter of hot debate in the asset finance industry going back decades, and we recalled that when the Consumer Credit Act 1974 first came into full effect in 1985 there was much discussion about future reforms excluding business customers altogether.

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New case on retaking Protected Goods

In regulated Hire-Purchase and conditional sale (but not Lease or Hire Agreements) section 90 of the Consumer Credit Act 1974 (“CCA”) provides that once one-third of the total price of the goods has been paid for, the goods become ‘protected’ and the Financier is not entitled to recover possession without a Court Order except where the debtor gives his genuine consent.

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Happy Retirement Peter Sinnett!

Alex Chapman

It would be remiss of me not to mention that this will be Peter’s last briefing as Editor before he sets off for his well deserved retirement. Peter is a legend of the invoice and asset finance industries and has been associated with Bermans for most of his working life – initially as a barrister in Oriel Chambers in Liverpool when Bermans used his services as an advocate and advisor on so many occasions that he was invited to join us in 1989 as a Solicitor Advocate and Partner. He remained as such until 2013 when he became a Consultant since when he has continued to be an invaluable member of our ABL team.

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Social media and the workplace: what should employers consider when dealing with derogatory and damaging posts?

Alex Murray

Around 83% of the UK population are active social media users. It comes as no surprise then that social media continues to have an influence in the workplace. As a result, employers must consider how to handle employee use of social media, both whilst they are at work and away from the workplace.

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Zaafir Hasan

Post-Completions Paralegal

Zaafir joined Bermans in March 2024 and is a Post-Completions Paralegal in our Property team based in Liverpool.

He assists Bermans property team with a wide range of property matters, including residential and commercial property acquisitions and sales, residential and commercial developments and acquisitions and redevelopment of buy-to-let properties. Zaafir also liaises with HM Land Registry and other law firms to achieve our clients’ objectives.

Zaafirs qualifications include:

  • Professional Skills Course for Legal Practice –  School of Law, University of Central Lancashire, Preston (2023)
  • Master of Laws, Legal Practice Course – Liverpool John Moores University (2022)
  • Master of Laws, Qualifying Law Degree –  Liverpool John Moores University (2021)
  • Master of Business Administration (MBA) in Human Resource Management – University of Liverpool (2007)

Outside of work, Zaafir enjoys reading, sightseeing, news/current affairs and beach and countryside dog walks. He also has a Golden Retriever who is his constant companion and best friend!

Contact Zaafir:

E:zaafir.hasan@bermans.co.uk

T:0151 224 0516

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Ajith Prasad

Associate

Ajith joined Bermans in March 2024 and is an Associate in our Litigation team based in Liverpool.

He works with SME’s, business owners, lenders and property developers and his areas of expertise include:

  • Contract disputes
  • Shareholder/partnership disputes
  • Property disputes
  • Finance litigation
  • Professional negligence
  • Debt recovery

Ajith studied Law at Manchester Metropolitan University and The Legal Practice Course at The University of Law.

Outside of work, he enjoys playing and watching cricket, golf and football, as well as reading (historical non-fiction).

Contact Ajith:

E:ajith.prasad@bermans.co.uk

T:0151 224 0512

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