Lucy Walker

Call 2008 Sol 1998

‘Lucy is very strong in providing razor-sharp, commercial advice focused on the issues of a case.’

For enquiries please contact

Stephen Arnold
Senior Practice Manager - Civil
0117 930 9000
Click here to email

Joe Stayte
Practice Manager - Commercial, Insolvency, Property & Estates, Court of Protection (Property & Affairs)
0117 930 9000
Click here to email

‘Lucy is very strong in providing razor-sharp, commercial advice focused on the issues of a case.’


Legal 500 UK 2023

"Lucy has an immediate presence when entering a room. She is confident, clear and articulate in manner, remaining concise and commercial at all times."


Legal 500 2022

"She has a meticulous eye for detail and presents complex arguments in a simple, yet powerful and digestible manner."


Legal 500 2022

"Highly recommended for consumer credit cases."


Legal 500 2019

"A specialist in consumer credit matters."


Legal 500 2017

  • Vice Chairman, Theatre Royal Bath
  • Advisory Board to the Dean of the Faculty of Business and Law, University of the West of England

  • BA Joint Hons, History & Politics, University of Durham

Lucy Walker is a specialist in Financial Services – product mis-selling & regulation, in particular Consumer Credit and the wider Financial Services Regulatory Regime.

She undertakes contentious work and non contentious advisory work in relation to all aspects of financial services regulation, including consumer credit, mortgages and home finance regulatory regime, payment services, cryptocurrencies and crypto assets, financial promotion, crowdfunding, peer to peer lending, and general banking and commercial matters. These include Data Protection and the General Data Protection Regulation (GDPR).

As well as her work in the Regulatory & Discipline area, Lucy also has experience in Commercial and Offshore & International law.

Expertise

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 Mortgage Credit Directive
  • Regulated mortgage contracts, regulated home finance products and buy to let lending products
  • 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

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 crowdfunding, peer to peer lending, cryptocurrencies and crypto assets and in relation to payment services issues, including implementation of the revised Payment Services Directive and the Payment Services Regulations 2017. Lucy also advises on data protection issues including all aspects of the forthcoming General Data Protection Regulation.

Lucy undertakes both contentious and non contentious Banking & Finance 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 General Data Protection Regulation

International & Offshore

Lucy regularly advises offshore and overseas banks and financial institutions on a broad range of financial services regulatory issues, financial promotion and contractual issues and disputes. Recent examples include:

  • Advising an offshore bank on the Mortgage Credit Directive and the regulated mortgage regime in the UK including advice on the types of secured lending product which could be offered to UK borrowers.
  • Advising an overseas financial institution on the financial promotions regulatory regime and the promotion of products to UK resident customers.
  • Advising a Luxembourg Bank on the implications of Brexit and the ability to passport into the UK for the purpose of providing regulated banking and lending products.
  • Advising a US asset finance lender on a contractual dispute with a Kenyan borrower.

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 General Data Protection Regulation

For enquiries please contact

Stephen Arnold
Senior Practice Manager - Civil
0117 930 9000
Click here to email

Joe Stayte
Practice Manager - Commercial, Insolvency, Property & Estates, Court of Protection (Property & Affairs)
0117 930 9000
Click here to email

‘Lucy is very strong in providing razor-sharp, commercial advice focused on the issues of a case.’


Legal 500 UK 2023

"Lucy has an immediate presence when entering a room. She is confident, clear and articulate in manner, remaining concise and commercial at all times."


Legal 500 2022

"She has a meticulous eye for detail and presents complex arguments in a simple, yet powerful and digestible manner."


Legal 500 2022

"Highly recommended for consumer credit cases."


Legal 500 2019

"A specialist in consumer credit matters."


Legal 500 2017

  • Vice Chairman, Theatre Royal Bath
  • Advisory Board to the Dean of the Faculty of Business and Law, University of the West of England

  • BA Joint Hons, History & Politics, University of Durham

For help or advice please call 0117 930 9000 or complete the form below.

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