Banking Archives - Bowling & Co Solicitors

Beware of Post-Execution Changes to Legal Documents: Lessons from Boult v Together Personal Finance Ltd [2026]

July 30, 2026
Gavin Lampert
Banking, General News, News, Commercial, General

When legal documents have been signed and completed, it can be tempting to view small amendments as administrative housekeeping. However, a recent High Court decision highlights just how serious the consequences can be when changes are made to a deed without the consent of all parties involved. The case of Boult v Together Personal Finance Ltd [2026] EWHC 809 (Ch) serves as an important reminder that unauthorised alterations to an executed deed can render the entire document void, with potentially devastating consequences for lenders and other parties relying on that…

The Hidden Struggles Executors Face with Banks During Probate

Settling a loved one’s estate is never easy. Executors take on the legal responsibility of managing the deceased’s financial affairs — from closing bank accounts to distributing assets — all while grieving. Unfortunately, a recent Which? report shows that many banks are making this process far more difficult than it needs to be. Inconsistent Processes Create Uncertainty Every bank seems to have its own probate rules, forms, and timelines. What one institution will release without a grant of probate, another will insist requires full legal documentation — even for small…

Debt Collection – Know Your Rights and Access Legal Support

Being contacted about a debt can feel overwhelming — especially if you’re unsure whether you owe the money, how to respond, or what powers a creditor has. But whether the debt is small or large, understanding your rights and seeking the right legal advice can make a significant difference.

The hidden struggles executors face with banks during probate

Settling a loved one’s estate is never easy. Executors take on the legal responsibility of managing the deceased’s financial affairs from closing bank accounts to distributing assets all while grieving.

Rights when online orders get lost or don’t arrive

January 16, 2025
Gavin Lampert
Banking, General News

When you order goods online, you enter into a contract with the seller. In terms of the Consumer Rights Act 2015, the goods must be delivered to you within 30 calendar days unless you have agreed a shorter or longer period with the seller.

Retail Price Index – proposed reforms

February 18, 2022
Sadiq Uddin
Banking, General News

The Retail Price Index (RPI) is due to be transformed to bring it in line with the Consumer Price Index including occupiers’ housing costs (CPIH). The RPI index will be calculated utilising the same strategies and information sources as the CPIH.

What should you consider when offering a loan to a family member?

May 26, 2020
Tony Chauhan
Banking

The Covid-19 pandemic has created a lot of uncertainty in the economy and is leading to disruption in businesses and financial markets throughout the world. In these challenging times, when people are experiencing unprecedented financial distress, it is not unusual to seek financial assistance from family, to address the emergency. It is important to make an informed decision and to consider matters carefully when offering a private loan. From the borrower’s perspective, taking a private loan from family usually offers a better rate and lower cost option than borrowing from…

Covid-19: Funding support flowchart

April 22, 2020
Tony Chauhan
Banking

Website content note: This is not legal advice; it is intended to provide information of general interest about current legal and funding issues. If you would like any more information in relation to the flowchart then please feel free to contact either Tony Chauhan ( profile ) on 07341-569117 or email at: tony.chauhan@bowlinglaw.co.uk or contact Mohammed Akram ( profile) on 07908-170337 or email: mohammed.akram@bowlinglaw.co.uk

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