Consumer protection
Small sums, taken from very many people, are the characteristic modern consumer harm.
A charge of £1.80 is not worth an individual claim and both sides know it. Collective procedure is the only mechanism that makes the term enforceable in practice, whether the vehicle is a representative action, a consumer body claim or a coordinated arbitration programme.
The firm's consumer work concentrates on charges that were disclosed poorly or not at all: fee stacking, default pricing, automatic renewals and currency conversion spreads.
What we do
- Unfair contract term challenges
- Undisclosed and stacked fee claims
- Misleading practice and pricing claims
- Redress scheme design and monitoring
- UKConsumer Rights Act 2015 · CPUT Regulations 2008
- EUDirective 93/13/EEC · Omnibus Directive
- USState UDAP statutes · EFTA
From the firm
PayWave customers could be owed compensation following alleged unlawful arbitration practices
Between November 2021 and February 2025, PayWave charged instant-transfer and currency-conversion fees above the rates it published. A class action is barred by the contract. An individual arbitration is not.
Understanding mass arbitration
A procedure that exists because of a contractual term, not in spite of one. How individual demands filed in volume came to be the principal route to consumer redress in the United States.