At Malone and White, we offer you a range of legal services that are simple, straightforward, human and fair.
If you have been injured in an accident, due to someone else’s negligence, we can assist you on a no win no fee basis in recovering compensation for your personal injury and other losses you have sustained as a result of the accident.
Find Out MoreWhether you are worried about a criminal investigation, have been called for an interview or have already been arrested and charged - our criminal defence team can provide you with specialist legal advice to help you with your situation.
Find Out MoreOur professional and supportive team can help you with Civil Litigation – by ensuring you save both time and money when resolving your legal disputes. The Litigation team has been selected to guarantee it provides the quality of service you need to receive.
Find Out MoreIf you are a tenant of a rented property, your landlord has a legal requirement to ensure your property is maintained to a satisfactory standard. When you report any form of disrepair, your landlord is required to repair this in a timely manner.
Find Out MoreUndisclosed commission refers to a situation where a buyer of a financial product, such as a loan or a finance agreement, unknowingly pays a commission to a third party, like an agent or seller, as part of their financial transaction. This commission is not transparently
disclosed to the buyer at the time of the agreement, leading to a lack of informed decision-making. Such practices can be deemed unethical or unfair, as the buyer is unaware of the full extent of how their payments are being allocated, potentially impacting their financial decisions without their knowledge.
In cases where this practice is discovered, the affected individuals may have grounds to seek compensation for the non-disclosure of these commission fees.
"Plevin" refers to a landmark legal case in the UK that significantly impacted the handling of Payment Protection Insurance (PPI) claims. The case, named after the plaintiff, Susan Plevin, revolved around the disclosure of commission payments linked to PPI policies.
In 2014, the Supreme Court ruled in Plevin's favour, establishing that the failure to disclose a large commission (over 50% of the PPI premium in her case) made the lender's relationship with the borrower unfair.
This ruling set a precedent, allowing borrowers to claim compensation if a high level of commission was not disclosed when they bought PPI. The "Plevin rule" has since become a critical reference in cases where financial transparency and fairness are in question, particularly in the context of undisclosed commissions in financial agreements.
An Unaffordable Lending claim is a legal action taken by borrowers who argue that a lender irresponsibly granted them credit, such as loans or credit cards, without adequately assessing their ability to repay.
This type of claim centres on the principle that lenders have a duty to ensure that credit agreements are sustainable and do not lead to financial hardship for the borrower. If a lender fails to conduct a thorough affordability check, including evaluating the borrower's income, expenses, and financial history, and subsequently issues credit that the borrower struggles to repay, it can be deemed as unaffordable or irresponsible lending.
Borrowers who find themselves in such situations can seek compensation or redress, arguing that the lender did not adhere to responsible lending standards, potentially leading to financial distress or unmanageable debt for the borrower.
Packaged Bank Account claims arise when customers challenge the appropriateness or value of a Packaged Bank Account (PBA) they've been sold by their bank. PBAs are bank accounts that come with extra features like travel insurance, mobile phone insurance, or car breakdown cover, and typically charge a monthly fee.
Claims occur when customers feel they were mis-sold these accounts, either through being uninformed about the fees, misled about the benefits, or sold policies they were ineligible to use. For instance, someone might pay for travel insurance they can't use due to pre-existing medical conditions.
Customers who believe they've been mis-sold a PBA can file a claim to recover the fees paid, often arguing that the account was not suitable for their needs or that they were not adequately informed about the account's terms and costs.
Financial Mis-selling claims are legal actions initiated by consumers who have been sold financial products or services in a manner that was misleading, inappropriate, or did not adhere to the required standards.
These claims typically arise when consumers are provided with inadequate information, unsuitable advice, or products that don't align with their financial needs and objectives. The essence of such claims lies in the misrepresentation of the product or the failure to disclose essential information by the seller, leading the consumer to make an ill-informed or unsuitable financial decision.
The aim of Financial Mis-selling claims is to seek compensation or redress for any financial losses or damages suffered due to this mis-selling. Such claims are crucial in holding financial institutions accountable and ensuring transparency and fairness in the financial market.
Personal Contract Purchase (PCP) claims are legal actions related to a specific type of car finance agreement known as Personal Contract Purchase. In a PCP agreement, an individual leases a vehicle for a fixed period, typically with lower monthly payments compared to standard hire purchase agreements, and has the option to buy the car at the end of the term for a pre-agreed sum.
PCP claims arise when consumers believe they have been misled or mis-sold the PCP agreement. This can occur if the terms and conditions were not clearly explained, if the consumer was unaware of significant fees and charges, or if the agreement was not suitable for their needs. For instance, consumers may not have been properly informed about the mileage limits, potential excess mileage charges, or the balloon payment required to purchase the vehicle at the end of the lease.
Through PCP claims, customers seek redress for any financial loss or inconvenience caused by such practices, emphasizing the importance of transparency and fair dealing in finance agreements.
