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Russell Kelsall

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Background

Russell is a Partner and Head of Consumer & Motor Finance at Walker Morris LLP.   He leads an award-winning team of lawyers dealing with both contentions and non-contentious financial services issues.

Russell has extensive experience dealing with matters involving retail financial products regulated by the Financial Conduct Authority (particularly consumer credit, mortgages, payment services and savings) and disputes arising out of those products. Russell has a particular specialism in asset and motor finance (including satisfactory quality issues, exclusion clauses, wrongful interference with goods and issues impacting on recovery of goods (including unenforceability)).

Russell is a recognised industry expert on consumer credit.  He often advises on complex issues including permissions, documentation, unenforceability, credit reporting, processes and procedures, remediation and fairness of terms.

He advises many leading financial services firms including banks, building societies, debt purchasers, and motor, asset and consumer finance firms. He is retained by the Finance & Leasing Association to provide training to its members.  He is a Council Member and director of the Consumer Credit Trade Association.

Both Chambers & Partners and Legal 500 have ranked Russell. He has been described as an “expert in the industry who knows exactly what to do in any given situation”, being “very clued-up and able to give advice in a succinct, practical way”, having an “in-depth knowledge of the Consumer Credit Act”, being “very competent in the consumer finance area” and being a “shockingly clever consumer credit expert”.

Selected publications

Books and looseleafs

  • Kelsall, RJ, ‘Consumer Credit: Law, Practice & Precedents’, Law Society Publishing
  • Editor of Goode: Consumer Credit Law and Practice
  • Editor of Goode: Consumer Credit Reports
  • Editor of commentary on CONC, MCOB and BCOBS in Butterworths Financial Regulation Service
  • Editor of commentary on equipment finance in Asset & Project Finance
  • Editor of commentary on debentures in Practical Lending and Security Precedents

Articles

  • Kelsall, RJ, ‘High Court dismisses unmeritorious “freeman on the land” claims against mortgage lenders’, (2024) 7 JIBFL 479
  • Kelsall, RJ & Twist, P, ‘The Financial Conduct Authority, the court and the Financial Ombudsman Service: who is in charge?’, (2024) 11 JIBFL 755
  • Kelsall, RJ, ‘When claims under consumer or asset finance agreements are time-barred’ (2013) 1 JIBFL 35
  • Kelsall, RJ, ‘End of the road for PPI claims? Borrowers’ appeal withdrawn’ (2012) 9 JIBFL 587
  • Kelsall, RJ & Geary, L, ‘To withdraw or not to withdraw: the Consumer Credit Directive fails to answer the question!’ (2012) 5 JIBFL 301

Publications

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