1. Welcome IMA - assuring quality in the money advice profession

2. HOT TOPICS Keeping up with new developments Peter Madge Specialist Support Officer (Debt Advice) Citizens Advice Specialist Support

3. What we will cover Consumer Credit Act Information requests Unfair relationships – PPI– Charging Orders Interest after judgment

6. Kneale v Barclays Bank Using CPR to obtain copy agreement

9. Wollerton v Black Horse No discussion of, or agreement to, take out PPI

11. No proper assessment of suitability – high cost and short term

13. Charging order takes effect as equitable charge (s.3(4) COA 1979)

16. Equitable charges carry interest (Ezekiel v Orakpo)

18. Ezekiel v Orakpo was a High Court case where judgment was already subject to statutory interest

19. Section 3(4) opens with the words ‘Subject to the provisions of this Act’

25. HOT TOPICS Lucky dip Any topics/questions?