George Mallet
George is a leading junior with specialisms across the civil litigation spectrum. He regularly represented clients at all levels including as sole advocate in the High Court. He has appeared in both the Court of Appeal and Supreme Court. He has particular expertise in product liability claims, banking matters and group actions. He is regularly instructed by major banks, government departments and FTSE 100 companies.
George specialises in complex and fact heavy products litigation. He successfully represented the Department of Health in a claim regarding defective COVID-19 PCT testing equipment ([2024] EWHC 1071 (TCC)) and vaccinations. He has represented FTSE listed manufacturers in claims regarding manufacturing and/or design defects in relegation to engineering products ([2020] EWHC 3404 (TCC)), food products, vehicle claims and agricultural/machinery matters.
As Junior Counsel to the Crown (B Panel), George represents major governmental departments, including with respect to litigation regarding the defective medical tests and vaccinations (Department of Health), human rights matters (Home Office) and military claims (including the noise induced hearing loss, the Q fever litigation and various post-traumatic stress disorder matters, all for the Ministry of Defence).
George is ranked as a leading junior in the field of consumer finance and regularly represented major banks in financial disputes. He regularly represented banks (including HSBC, Barclays, Santander and Lloyds) and other lenders (including NRAM, GE Money, Blemain, Skye and Picture). He has a wealth of experience in key consumer finance matters including claims under the CCA, secret commission claims, PPI matters and motor finance actions. He also writes extensively on the topic, having co-authors the ‘consumer credit’ chapter of the Encyclopaedia of Forms and Precedents and contributed to Goode: Consumer Credit Law & Practice. He has contributed to Practical Law (see the Practice Note on Unfair Relationships), LexisPSL and the Journal of Banking and Finance Law and Practice.
George graduated with a first-class degree from Bristol University and a distinction in the GDL at City University. He is a Gray’s Inn scholar. He was called to the Bar in 2012 and has been junior counsel to the crown since 2020. Before practising at the Bar, George worked in investment banking.
Practice Area
Panel
- Contributing Author
Qualified Year
- 2012
Membership
- COMBAR
- Property Bar Association
Education
- BA History, First Class, University of Bristol (2009)
- GDL, City University, Distinction (Scholarship, Gray’s Inn) (2011)
- BPTC, BPP Law School, Very Competent (Scholarship, Gray’s Inn) (2012)
2 Contributions by George Mallet
PRACTICE NOTES
Early settlement of regulated consumer credit: rights, notices, borrower rebates, compensatory amounts and statements under the Consumer Credit Act 1974
This Practice Note sets out the situations and procedures by which a borrower can bring a credit agreement to an early close.
Introduction to early settlement
Borrowers may terminate regulated agreements at any time by giving statutory notice and paying the sums then due, less any rebate (Consumer Credit Act 1974, s 94 (CCA 1974)). Unless the agreement is secured on land, they are entitled as of right to clear all or part of what they owe. Contracting out is prohibited; creditors cannot remove the right to early settlement or make it conditional.
When can borrowers settle early?
Borrowers under a regulated consumer credit agreement may settle some or all of the agreement at any time, provided they:
give notice to the creditor; and
pay all amounts then due under the agreement.
Notice
The CCA 1974 sets no requirements for the form or content of an early settlement notice. Except where the agreement is secured on land, the notice does not need to be in writing. It may be given at any time and take effect immediately, or from a later date. However, credit agreements frequently...
Financial Services
PRACTICE NOTES
Withdrawal from UK regulated consumer credit agreements: CCA 1974 s66A scope, 14-day notice and service, consequences (repayment, ancillary services, hire-purchase), and P2P agreements under FCA CONC 11.2
In some situations, borrowers can step away from agreements covered by the Consumer Credit Act 1974 (CCA 1974) within 14 days. This Practice Note sets out when that withdrawal right arises and how to use it in practice. It clarifies availability and the steps to take in detail. It also looks at parallel provisions for P2P agreements contained in the Consumer Credit sourcebook (CONC) too.
Introduction
The withdrawal right for regulated agreements is anchored in CCA 1974, s 66A, which transposed the EU Consumer Credit Directive (2008/48/EC). Two preliminary points deserve emphasis at the outset. First, the substance of this right has remained largely unchanged since responsibility for consumer credit was assumed by the Financial Conduct Authority (FCA) in April 2014, following the transfer of functions. Nevertheless, alterations to the framework are anticipated, so readers should stay alert to legal developments (see: Consumer credit—essentials—Reform of the FCA consumer credit regime). Second, withdrawal is distinct from cancellation. Although each appears to let a consumer ‘back out’ after signing a credit agreement, they operate separately and cannot overlap. For guidance on cancelling under the CCA 1974, see Practice Note: Cancellation and withdrawal provisions for consumer credit and hire agreements.
Application
The right...
Financial Services
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