Banking Disputes & Advisory
Loans, security, guarantees, recovery proceedings and disputes with financial institutions.
What it is
A banking dispute rarely stays confined to the bank — it reaches cash flow, security, reputation and the business itself. We assess the banking risk, protect the client's financial position, negotiate wherever a commercial settlement is available, and prepare the case properly where it is not.
What this covers
Loan & Credit Facilities
Advice on loan defaults, repayment, rescheduling, restructuring and loan classification, including negotiation and recovery strategy.
Security & Collateral
Review of mortgages, pledges, hypothecation and personal or corporate guarantees, assessing enforcement risks and protecting the client's interests.
Bank Guarantees & Letters of Credit
Wrongful invocation, payment disputes, documentary discrepancies and fraud allegations, addressed through negotiation and appropriate legal remedies.
Cheque & Payment Disputes
Disputes involving dishonoured cheques, unauthorised transactions and payment instructions, with recovery and defence strategies.
Account Freezing & Banking Restrictions
Assistance for businesses facing account freezing, transaction suspension or regulatory restrictions, including engagement with banks and relevant authorities.
Interest, Charges & Fees
Examination of excess interest, penal charges, unauthorised fees and disputed calculations, and assessment of contractual and recovery claims.
How we work
- 1Review the facility, security and correspondence
- 2Assess the legal position and the exposure
- 3Engage the bank and negotiate where possible
- 4Prepare the evidence-based case if it proceeds
Typically needed
- Sanction letter and facility agreement
- Security and mortgage documents
- Statements of account and demand notices
- Correspondence with the bank
Our core role
Assess the banking risk, protect the client's financial interests, negotiate where possible, and pursue effective legal remedies where necessary.