Credit Hire

St Philips have a strong team of experienced credit hire practitioners, and offers expertise in both Claimant and Defendant work from small claims through to multi track cases.  Our credit hire team has the knowledge and flexibility to work on credit hire cases with a personal injury element: chambers can therefore provide continuity of service across these areas where called for, and avoid the need for you to duplicate instructions. Together with St Philip’s reputation for high quality advocacy, our credit hire team boasts considerable expertise in the nuanced area of credit hire law, well-known for its technical complexity and rapidly-evolving case law. Post McBride v UK Insurance Ltd [2017] EWCA Civ 144, The team are equipped to provide well-informed advice, drafting and representation on matters impacting credit hire providers and their challengers, and can offer expertise informed by the latest case law – with reference to McBride, for example, on the courts’ approach to matters such as BHR evidence, 7 versus 28-day rates, and challenges in respect of a nil excess. More broadly, the team has wide experience in handling issues arising from impecuniosity, mitigation and Consumer Credit Acts enforceability arguments, as well as applying the 2008 Cancellation Regulations. Our clerks have detailed knowledge of individual barristers and their practices, and are ideally placed to assist in identifying the right barrister for your credit hire and/or personal injury needs. St Philips is a truly national set, with a major presence in Birmingham and Leeds. We can offer our specialist advocacy services wherever required.