First-tier Tribunal (Consumer Credit)
The decisions of the First-tier Tribunal (Consumer Credit) are:
2008 | 2009 | 2010 | 2011 | 2012 |2013
CCA/2008/0002
Name of Appellant: Finance Select (UK) Limited 
(125kb)
REVOCATION OF CONSUMER CREDIT STANDARD LICENCE – Preliminary issue – Minded to refuse notice served following issue of licence – Issue of licence alleged to have been by mistake – Erratum notice given to licensee at hearing before Adjudicator purporting to treat minded to refuse notice as minded to revoke notice – Whether the notice procedure followed by the OFT complied with the provisions of the Consumer Credit Act 1974 – Notice procedure defective – Appeal allowed and decision to revoke the Appellant's licence quashed.
CCA/2008/0003
Name of Appellant: Road Angels Non–Fault Accident Management Limited (14kb)
APPEAL AGAINST REFUSAL TO GRANT STANDARD LICENCE – Determination of the Adjudicator varied by consent so as to provide for the grant of a licence to the Appellant on terms agreed and approved by the Tribunal – No order made as to costs.
CCA/2008/0005
Name of Appellant: V L Sodha, M N S Financial and M N S Consultancy – Substantive Decision (102kb)
REFUSAL TO RENEW CONSUMER CREDIT STANDARD LICENCE – refusal of Financial Services Authority authorisation based on long history of complaints and failure to comply with proper regulatory system – appellant seeking licence under the CCA for mortgage broking only, offering to refer all clients to named FSA authorised brokers – dishonesty – competence – relevance of suggested requirements or undertakings – no protection for non FSA regulated loans, such as buy-to-let, commercial mortgages or second charges.
CCA/2008/0005
Name of Appellant: V L Sodha, M N S Financial and M N S Consultancy– Decision on Costs (23kb)
Costs – whether unsuccessful appellant acted vexatiously, frivolously or unreasonably in bringing appeal or otherwise in relation to the appeal – tribunal not believing evidence of appellant – whether OFT entitled to costs.
CCA/2008/0006
Name of Appellant: Mark Cooper (67kb)
REVOCATION OF CONSUMER CREDIT STANDARD LICENCE - conviction for dishonesty – failure to disclose disciplinary action by the Financial Services Authority – lying to the adjudicator and the tribunal – undertakings – Appellant ordered to pay costs of appeal.
CCA/2008/0007
Name of Appellant: United Financial Planning Limited (280 kb)
APPEAL AGAINST REFUSAL TO GRANT CONSUMER CREDIT LICENCE – prohibition orders previously made under the Estate Agents Act 1979 against controller and agents of the Applicant – relevance of findings of untruthfulness and unreliability in previous proceedings – applicant had wrongly traded for approximately 11 months following expiry of previous licence – weight to be attached to previous unblemished trading history of the Applicant and its controller – appeal dismissed.
CCA/2009/0002
Name of Appellant: European Environmental Controls Limited – Preliminary Issue (143 kb)
Appeal against revocation of consumer credit standard licence –determination of preliminary issues including burden of proof and admissibility of new allegations and arguments – Consumer Credit Act 1974, Sections 25 – 41.
CCA/2009/0002
Name of Appellant: European Environmental Controls Limited – Substantive Decision (622 kb)
Appeal against revocation of consumer credit standard licence – Unfair business practices – Consumer Credit Act 1974, Sections 25 – 41.
CCA/2009/0002
Name of Appellant: European Environmental Controls Limited – Decision on costs and permission to appeal (64 kb)
Appeal against revocation of consumer credit licence–costs–whether unsuccessful appellant acted unreasonably in bringing and/or conducting the proceedings-the Tribunal procedure (First–tier Tribunal) (General Regulatory Chamber) Rules 2009, rule 10(1)(b) Appeal against revocation of consumer credit licence–application for permission to appeal–whether to review decision–whether permission to appeal to be granted–the Tribunal Procedure (First tier Tribunal) (General Regulatory Chamber) Rules 2009, rules 43–45.
CCA/2009/0002
Name of Appellant: European Environmental Controls Limited – Decision on costs of production of trial bundles (89 kb)
Appeal against revocation of consumer credit standard licence–Tribunal directing that costs of production of trial bundles to be borne equally by the parties-costs to be included–summary assessment of costs.
CCA/2009/0003
Name of Appellant: Compensation Professionals Network Limited (45 kb)
Appeal against revocation of consumer credit standard licence – disclosure – relevance – privilege against self incrimination – public interest immunity – Consumer Credit Act 1974, Sections 25 – 41.
CCA/2009/0004
Name of Appellant: Qsolvency Limited (263 kb)
APPEAL AGAINST REFUSAL TO GRANT A CONSUMER CREDIT LICENCE – proposed internet-based debt counselling business – Appellant’s website went live and was capable of being accessed by consumers despite application for licence still under consideration – other regulatory breaches also committed – material on website contained numerous errors and omissions, only some of which had been remedied by Appellant at date appeal was heard – assessment of skills, knowledge and experience of the controller of Appellant for purposes of section 25(2) of the 1974 Act – appeal dismissed.
CCA/2009/0010 and 0011
Name of Appellant: Log Book Loans Ltd and Nine Regions Ltd – Preliminary Issue (195 kb)
Appeals against revocation of consumer credit standard licences–determination of preliminary issues–Consumer Credit Act 1974, Sections 25–41.
Name of Appellant: Log Book Loans Ltd and Nine Regions Ltd – Strike out decision (268 kb)
CCA/2010/0005
Name of Appellant: JST Financial Solutions Ltd (155kb)
Substantive decision – Appeal against the revocation of the licence.
CCA/2010/0010
Name of Appellant: Carltons Business Ltd - Substantive decision (128 kb)
Appeal against the revocation of the company’s licence.
CCA/2011/0003
Name of Appellant: Anthony Douglas Clements and Clements Cars Ltd - Substantive decision (100kb)
Appeals against the revocation of the licence of Anthony Clements and against the refusal to issue a licence to Clements Cars Ltd.
CCA/2011/0004 and CCA/2011/0005
Name of Appellant: Barons Bridging Finance 1 Limited and Reddy Corporation
(115kb)
Substantive decision – Appeal against the revocation of the licence.
CCA/2011/0006
Name of Appellant: Timothy White (50kb)
Substantive decision – Application to strike out an appeal pursuant to the Tribunal Procedure (First-Tier Tribunal) (General Regulatory Chamber) Rules 2009, Rule 8 (3) (c)
CCA/2011/0007
Name of Appellant: Emerald Motor Company Ltd (109kb)
Substantive decision – Appeal against the revocation of the licence.
CCA/2011/0008
Name of Appellant: Keith John Kirkcaldy (110kb)
Substantive decision – Appeal against the revocation of a Consumer Credit licence.
CCA/2011/0013
Name of Appellant: Mansell McTaggart Limited (65kb)
Substantive decision – Appeal against the imposition by the Office of Fair Trading of a penalty of £3,000 under the Money Laundering Regulations 2007.
CCA/2011/0014, 0015,0016 0017 and 0018
Name of Appellant: Bridging Loans Limited and others (65kb)
Substantive decision – Appeals against determinations by the Office of Fair Trading under section 32 of the Consumer Credit Act 1974 that the licences held by each of the Appellants under that Act be revoked; relevance and effect of previous findings made by the Financial Services Authority.
CCA/2012/0001
Name of Appellant: Kevin Duke
(109kb)
Substantive decision – Appeal against the revocation of the licence.
CCA/2012/0004
Name of Appellant:Direct Accident & Injury Centre UK Limited (109kb)
Substantive decision – Application to strike out an appeal against the refusal of a consumer credit licence.
Consumer Credit Act 1974 Sections 25-41 and the Tribunal Procedure (First-Tier Tribunal) (General Regulatory Chamber) Rules 2009, Rule 8 (3) (c)
CCA/2012/0006
Name of Appellant: Simon Harold Roberts (34kb)
Substantive decision – Appeal against the revocation of his licence. under the Consumer Credit Act 1974
CCA/2012/0007
Name of Appellant:RG Car Sales Ltd
(76kb)
Substantive decision – An Appeal against a determination by the Office of Fair Trading under section 27 of the Consumer Credit Act 1974 refusing to grant a licence under that Act to the Appellant.
CCA/2012/0008
Name of Appellant:Money Worries Ltd (32kb)
Substantive decision – Appeal discontinued following the expiration of the Appellant’s Consumer Credit license and following agreement between the parties.
CCA/2012/0009
Name of Appellant:Premier Finance (GB) Ltd (77kb)
Substantive decision - Appeal against revocation of consumer credit standard licence Number 635425 and refusal of authorisation to carry on any activities in accordance with the provisions of Section 34A of The Consumer Credit Act 1974 – Consumer Credit Act 1974 Sections 25-41 ("the Act").
CCA/2012/0012
Name of Appellant: Rowena Koning
(49kb)
Substantive decision – Appeal against the refusal to grant a consumer credit licence. The refusal was on the basis that the Appellant had failed to demonstrate that she was a fit person to be licensed taking into account her skills, knowledge and experience for the purposes of section 25(2) of the Consumer Credit Act 1974 ("the Act").
CCA/2012/0013
Name of Appellant:Richard Kenyon
(30kb)
Substantive decision – Appeal against the revocation of his licence. under the Consumer Credit Act 1974.
CCA/2012/0014
Name of Appellant: Vasoulla Kissias
(109b)
Appeal against the refusal to grant her application for a Consumer Credit Licence under Section 27 of the Consumer Credit Act 1974 on the grounds that the Office of Fair Trading is not satisfied that Miss Kissias is fit to engage in licensable credit activities.
CCA/2012/0015
Name of Appellant: MCO Finance Ltd
(168kb)
Substantive decision - appeal against the imposition by the Office of Fair Trading of a monetary penalty under the Money Laundering Regulations 2007.
CCA/2012/0016
Name of Appellant:First Step Finance Ltd
(38kb)
Substantive decision - Appeal against the revocation of its licence. under the Consumer Credit Act 1974.
CCA/2013/0001
Name of Appellant: Connected Claims Ltd
(104b)
Appeal against the decision of the Office of Fair Trading to revoke its consumer credit on the grounds that it had contravened a pro1vision made by or under Part 16 of the Financial Services and Markets Act 2000 within the meaning of section 25(2A)(b)(ii) of the Act and engaged in unfair and improper business practices within the meaning of section 25(2A)(e) of the Act.
CCA/2013/0002
Name of Appellant:Debt Connect (UK) Ltd
(158b)
Appeal against the decision of the Office of Fair Trading to revoke the appellant's consumer credit licence on the grounds that it had contravened a provision made by or under Part 16 of the Financial Services and Markets Act 2000, within the meaning of Section 25(2A)(b)(ii)of the Act and engaged in unfair and improper business practices within the meaning of Section 25(2A)(e) of the Act.
