3VB Group Litigation Blog: Collective consumer redress – the motor finance case study

A surge in consumer credit complaints – particularly around motor finance and discretionary commission arrangements – is reshaping financial services litigation. With key appellate cases now underway, the latest 3VB Group Litigation Blog post by Charlotte Eborall examines the pivotal decisions set to define the future of consumer credit and collective redress in England and Wales:

• the keenly awaited judgment of the Supreme Court in Hopcraft v Close Brothers Limited (UKSC/2024/0157 )[4];
• the Court of Appeal hearing due to take place in R (Clydesdale Financial Services Ltd t/a Barclays Partner Finance) v Financial Ombudsman Service (CA-2025-000102 ); and
• the recent decision in Angel & Ors v Black Horse Ltd [2025] EWHC 490 (KB) , which is being appealed to the Court of Appeal.

Read the post in full here.