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Adam Tiesteel

Associate

Adam joined Bermans in January 2025 and is an Associate in our ABL Recoveries team based in Manchester.

Adam is a recoveries specialist who qualified as a Solicitor in 2020. His focus has been recoveries and enforcement since completing his LPC in 2018.

He balances his legal knowledge and litigation experience with a commercial approach to secure the best outcome for clients.

Outside of work Adam enjoys caravanning and returning to Anglesey where he grew up.


E: Adam.Tiesteel@bermans.co.uk
T: 0161 388 5658

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Giulia Rosano

Paralegal

Giulia joined Bermans in September 2024 and is a Paralegal in our ABL team based in Manchester.

Giulia assists with a wide range of asset finance and invoice transactions for lenders and financial institutions.

She has a background in banking and finance law sector from her time spent at an Italian law firm, complemented by in-house paralegal experience at a London-based software company.

She completed her law studies at the University of Bologna– Alma Mater Studiorum –  in Italy and qualified as an Italian lawyer in 2011.

Outside of work, Giulia enjoys travelling to sunny, nature-rich destinations, as well as attending live music events and spending time with her family.


E: giulia.rosano@bermans.co.uk

T:0161 383 2135

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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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