Financial Institutions

Our financial institutions team has considerable experience of advising UK and overseas financial institutions.

We use our deep sector knowledge to provide cost-effective solutions on a wide range of matters, including:

  • Property finance
  • Acquisition finance
  • Structured finance
  • Debt recovery
  • Receiverships
  • Administrations and liquidations
  • Regulatory issues
  • Litigation and dispute resolution

Our corporate practice advises banks and other providers of finance on the financing of major corporate transactions including mergers, acquisitions and joint ventures, both domestic and cross-border.

We provide practical solutions in contentious and non-contentious situations involving financially distressed businesses through our corporate restructuring and insolvency group. The team advises insolvency practitioners, banks, other lending institutions, stakeholders, troubled companies, directors and individuals on a variety of corporate insolvency-related issues.

Our real estate finance team is experienced and agile in responding to the requirements of financial institutions within the tight timescales imposed on them by their borrowers.

In addition, our financial services group advises UK and overseas-based clients on regulatory matters, fund establishment, transactional advice and dispute resolution. The team also works closely with our investment funds group advising on the requirements for establishing and marketing collective investment funds in the UK.

If you have any questions or queries please call Charles on +44 (0)20 3036 7324 or email cproctor@fladgate.com

Broad range of financial services experience across multiple industries, including hotels, tax and offshore structures, and the education sector. Regularly instructed by both borrower and lender clients on high-value and complex acquisitions and refinancings.

Chambers UK
 
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Focuses on financing transactions for clients across a range of industry sectors, including residential housing, student accommodation, healthcare and charities. Also has expertise in portfolio acquisitions and tax and offshore finance structures. “They are consistently proactive in their approach, providing solutions rather than problems to complex issues. They seem to have a natural ability to go straight to the heart of any issues, analyse the situation and provide very good advice.” “The speed of response and accessibility of the team is excellent.”

Chambers UK

Fladgate LLP recently represented a group of private investors against the VEB Bank of Russia in claims exceeding £25m, concerning bonds on which the debtors defaulted. Paul Howcroft, Simon Brew and Alexander Wildschütz are recommended.

Legal 500

Fladgate LLP “excels in giving clients substantially more partner time”. It advised 4C Hotel Group’s Camden Lock and Earls Court on the restructuring of the ownership and debt of the Holiday Inn Express in Earls Court. Other clients include Bank of Ireland, Close Brothers and Clydesdale Bank. Kim McMurray and Richard Reuben are recommended.

Legal 500

  • Swiss bank – US$85m Shari’ah compliant financing of major residential and commercial properties in London.
  • Leading UK Bank – successfully striking out a claim by a borrower against the Bank for the alleged negligence of the Bank and the receiver in the sale of two mortgaged hotels.
  • Bank – inquiries made by various authorities as a result of the LIBOR scandal.
  • Various financial institutions – investment and development loans on real estate for Ahli United Bank; Bank of Ireland; Bank of Singapore; Barclays Wealth; Close Brothers; Clydesdale Bank; EFG Bank Limited; Europe Arab Bank; HSBC Private Bank; ICG Longbow; J.P. Morgan International Bank; Kleinwort Benson; Lloyds; Royal Bank of Canada; The Royal Bank of Scotland; Santander; Schroders (C.I.) Limited; Société Générale de Banque au Liban; United Mizrahi Bank; United Trust Bank; and Zurich Bank.
  • Foreign bank – transfer of its assets to a UK subsidiary using the procedures in Part VII, FSMA.
  • German bank – various £multimillion arbitration claims in the International Chamber of Commerce Paris and The London Court of International Arbitration against London based insurance syndicates.
  • ICG Longbow – a variety of loans to UK and overseas borrowers secured on industrial, retail and residential investment properties and portfolios across the UK.
  • Santander – various loans including to refinance a tax driven hotel financing and an office investment.
  • UK regulated bank – calculation of its Tier One capital ratios under the Capital Requirements Directive.
  • Alpha Multi Property Trust PLC – financing aspects of a £65m senior and mezzanine refinancing of a portfolio of commercial properties.
  • New York lender – defending claims by Australian mining companies regarding operation of accounts in Switzerland.
  • German bank – claim involving complex issues of breaches or warranties of English law policies and liability under German law contracts following settlement of agreements with the insurers.
  • UK subsidiary of an Asian bank – provision of deposit/payment services across the European Union, including the use of the EU financial services “passport”.
  • Banks and foreign exchange traders – legal consequences of the removal of the CHF/EUR capped exchange rate in January 2015.
  • Royal Bank of Scotland v Etridge – acting for RBS throughout and at the House of Lords in relation to undue influence and constructive notice.