Lucy Walker

Year of call: 2008 | Sol: 1998

"An authority on banking and financial services, with knowledge of the Consumer Credit Act."
Legal 500

Lucy Lucy

Lucy specialises in consumer credit, payment services and in the mortgage and home finance regulatory regime. Lucy also undertakes both contentious and non contentious advisory work in respect of all aspects of financial services regulation, (including financial promotion, crowd funding and peer to peer lending) and general banking and commercial matters, including data protection and the forthcoming General Data Protection Regulation

Consumer Credit

Lucy undertakes both contentious work and provides non contentious and strategic advice to consumer credit firms on all aspects of the consumer credit regulatory regime including:

  • The FCA authorisation process for credit and consumer hire firms
  • FCA supervision issues including consumer credit regulatory reporting and notification issues
  • Financial promotions for credit and hire products
  • Advising on regulated and exempt credit and hire agreements
  • Drafting standard form documentation
  • Post contractual matters including cancellation and the supply of post contractual information
  • Default and enforcement procedures, including unfair relationships
  • Regulatory enforcement action against credit and hire firms, including the imposition of requirements and limitations on Part 4A Permission
  • Interrelationship between the consumer credit regulatory regime and the Part XX regime for exempt professional firms
  • The regulatory regime for Crowd Funding and Peer to Peer (P2P) lending
  • Judicial review of FCA and FOS consumer credit decisions

MORTGAGE AND HOME FINANCE

Lucy provides contentious and non contentious advice on all aspects of the mortgage and home finance regulatory regime including:

  • The impact of the Mortgage Credit Directive
  • Advising and selling standards
  • Financial promotion for mortgage and home finance products
  • Drafting standard form documentation
  • Regulated and exempt mortgage contracts
  • Enforcement of regulated mortgage contracts
  • Interrelationship with the consumer credit regulatory regime
  • Judicial review of FCA and FOS mortgage and home finance decisions

Financial Services

Lucy has wide experience advising banks and other regulated firms in relation to all aspects of the financial services regulatory regime, including the financial promotion regime, the promotion and regulation of crowd funding and peer to peer lending and in relation to payment services issues, including implementation of the revised Payment Services Directive. Lucy also advises on data protection issues including all aspects of the forthcoming General Data Protection Regulation.

Banking

Lucy undertakes both contentious and non contentious work in respect of all aspects of:

  • Loan and security documentation including corporate and personal guarantees
  • Cheques and bills of exchange
  • Security realisation and mortgage disputes
  • General bank and lender recovery issues
  • Asset finance and leasing
  • Letters of credit and trade finance
  • Data Protection including all aspects of the forthcoming General Data Protection Regulation

Commercial

Lucy’s commercial experience includes:

  • Sale of goods and supply of services
  • Unfair contract terms
  • General contract and debt recovery
  • Data Protection including all aspects of the forthcoming General Data Protection Regulation

Recommendations


LEGAL 500 2016

Commercial, Banking, Insolvency & Chancery Law 

Leading juniors

'Very good at seeing the bigger picture of how a business operates.' 


LEGAL 500 2015

Commercial, Banking & Insolvency 

Leading juniors

'Highly regarded for her knowledge of the Consumer Credit Act'.


LEGAL 500 2014

Commercial, Banking & Insolvency 

Leading juniors

'An authority on banking and financial services, with knowledge of the Consumer Credit Act'.


LEGAL 500 2013

"...the 'highly intellectual' Lucy Walker also stand[s] out".


LEGAL 500 2011

"Lucy Walker is an expert on the Consumer Credit Act".


CHAMBERS UK 2009

Banking & Finance

"Lucy Walker is 'thorough, personable and extremely efficient,' according to sources. She is a trusted adviser to major banking clients who prize her expertise in highly complex matters."

CLERK CONTACT INFORMATION

For further information and enquiries please contact:

Commercial: Mike Norton

Memberships

  • Non executive director and trustee of the Theatre Royal Bath
  • Member, Advisory Board to the Dean of the Faculty of Business and Law, University of the West of England

education

  • BA Joint Hons, History & Politics, Dunelm