HD Law succeed in the High Court in respect of a landmark decision in the case of Potter v Canada Square Operations Limited. This decision was in respect of limitation and enabled consumers more time to bring their claims to Court. The lender appealed the decision.

HD Law succeed in the Court of Appeal in respect of Potter. The lender appeals the decision.

HD Law succeed in the Supreme Court in respect of Potter. This decision becomes part of UK constitutional law and establishes the correct limitation period for consumers who have been the victim of financial mis-selling where there has been deliberate concealment of a fact relevant to their claim, such as undisclosed commissions.

HD Law succeed in the Court of Appeal in the case of Owen v Black Horse Limited. The decision corrected an error made by the courts below in respect of the term ‘claimant’ being correctly defined as extending to the legal representative. This decision was of great importance for claimants (particularly those who were victims of financial mis-selling) who may be unable to attend court but could still be represented by their legal representative with a view to being successful.

HD Law succeed in the Court of Appeal in the case of Johnson v FirstRand Bank (heard with two other cases). This decision was in respect of a consumer being the victim of financial mis-selling arising out of a motor finance deal, where a lender pays an undisclosed commission to a car dealer without informing the customer. The Court of Appeal held that such conduct constitutes what is considered to be an ‘unfair relationship’ under the Consumer Credit Act 1974 and the consumer is entitled to receive a sum equivalent to the commission, plus interest as a compensation award. The lender appeals the decision.

HD Law takes Johnson case to Supreme Court (heard with two other cases). The UK government tried to intervene (on behalf of the lenders).

HD Law succeed in the Supreme Court in respect of Johnson (whereas the other two cases were unsuccessful). The decision is considered to be one of the biggest landmark consumer protection decisions in UK history and has paved the way for millions of consumers to receive billions of pounds of compensation.