David was Head of Property Finance at the UK subsidiary of an overseas bank for almost 13 years. He has extensive experience as an expert witness. He managed a very successful portfolio of property development and investment loans, as well as being responsible for a portfolio of regulated mortgages. David's portfolio also comprised hotel, leisure and care homes, as well as having a close relationship with a number of bridging lenders. He was a member of the credit committee both in the UK and for the bank's...

Mortgages & remortgages • Lending policies, underwriting, loan assessment • Analysis of past mortgage cases comparing the lending against lending policies & general practices at the time, for claimants & defendants • Individual borrower disputes • Professional negligence • Analysis of specialist lending products & individual mortgage applications, including offset, self-certification, sub-prime, buy to let, 100% loan to value, home income plans, equity release loans, shared appreciation mortgages Additional qualifications CertFCA;...

FCA regulated markets, specifically: • Consumer credit, including motor finance and leasing, payday lending, rent to own, as lenders, brokers or as appointed representatives • Mortgage lending, including first and second charge, and equity release/later life lending • For the above, matters relating to the conduct of firms, adherence to FCA regulatory rules, suitability of advice or products sold (mis-selling), assessment of any customer detriment and how matters should have been concluded