Liverpool: 0151 224 0500   |   Manchester: 0161 827 4600   |   Email: info@bermans.co.uk   |   Twitter Icon  |  Linkedin Icon
bermans_logo

Troubled Waters For The FCA’s Consumer Redress Scheme

Following the Supreme Court’s decision in Hopcraft v Close Brothers Limited [2025] UKSC 33—which held that car dealers and finance companies could not be liable in tort for undisclosed commissions, though the lenders may be liable where the commission arrangements created an unfair relationship with their customers within the meaning of s.140A of the Consumer Credit Act 1974 (“CCA 74”)—the Financial Conduct Authority (“FCA”) published its Redress Scheme on 30 March 2026, designed to offer an alternative route to compensation for would-be claimants wishing to bring CCA 74 claims.  The Scheme applies to regulated motor finance agreements created between 6 April 2007 and 1 November 2024.

Continue Reading

What Are the Most Common Mistakes When Running a Limited Company?

Elizabeth Wilkinson

Many business owners start companies with friends, family members or long-time colleagues. While those relationships may provide a strong foundation, they offer little protection when disagreements arise, responsibilities become unequal or the business comes under financial pressure. We regularly advise business owners whose working relationships have broken down, often because important legal and financial safeguards were never put in place.

Continue Reading

Does the EU AI Act Apply to UK Businesses? Key Compliance Rules, Risks and Practical Steps for 2026

Rob Eakins

The EU Artificial Intelligence Act (EU AI Act) creates a risk-based framework for the development, supply and use of artificial intelligence. Although it is an EU law, it may apply to UK businesses that develop or supply AI systems to EU customers, place AI systems on the EU market, or provide AI-powered services whose outputs are used in the EU. This article explains the EU AI Act’s rules on prohibited AI practices, transparency obligations, high-risk AI systems and copyright-related requirements for certain AI models, before considering the UK’s current regulatory approach and the practical implications for data protection, automated decision-making, consumer protection and commercial contracts.

Continue Reading

Supreme Court Clarifies the Scope of Contractual Compensation Clauses: Implications for Commercial Contracts

James Thornton

James Thornton

Supreme Court Clarifies the Scope of Contractual Compensation Clauses: Implications for Commercial Contracts

The UK Supreme Court’s decision in Great Asia Maritime Ltd v Orion Shipping and Trading LLC [2026] UKSC 23 provides important guidance on the relationship between contractual remedies and common law rights. Although the dispute arose from a ship sale agreement, the judgment has wider significance for businesses entering into commercial contracts across all sectors.

Continue Reading

Justifying indirect discrimination: lessons from Dobson v North Cumbria Integrated Care NHS Foundation Trust

Adrian Fryer

The Equality Act 2010 is the primary legislative framework covering discrimination in employment. In terms of the protected characteristic of sex, several different forms of discrimination are recognised. One of these is indirect discrimination. If an employer operates a provision, criterion, or practice (PCP) which places those of a certain sex at a particular disadvantage when compared with others, this will be discriminatory unless the employer can justify the PCP as a proportionate means of achieving a legitimate aim.

Continue Reading