Russell Kelsall

Background
Russell is a Partner and Head of Consumer & Motor Finance at Walker Morris LLP.   He leads an award-winning team of lawyers dealing with both contentions and non-contentious financial services issues.
Russell has extensive experience dealing with matters involving retail financial products regulated by the Financial Conduct Authority (particularly consumer credit, mortgages, payment services and savings) and disputes arising out of those products. Russell has a particular specialism in asset and motor finance (including satisfactory quality issues, exclusion clauses, wrongful interference with goods and issues impacting on recovery of goods (including unenforceability)).
Russell is a recognised industry expert on consumer credit.  He often advises on complex issues including permissions, documentation, unenforceability, credit reporting, processes and procedures, remediation and fairness of terms.
He advises many leading financial services firms including banks, building societies, debt purchasers, and motor, asset and consumer finance firms. He is retained by the Finance & Leasing Association to provide training to its members.  He is a Council Member and director of the Consumer Credit Trade Association.
Both Chambers & Partners and Legal 500 have ranked Russell. He has been described as an âexpert in the industry who knows exactly what to do in any given situationâ, being âvery clued-up and able to give advice in a succinct, practical wayâ, having an âin-depth knowledge of the Consumer Credit Actâ, being âvery competent in the consumer finance areaâ and being a âshockingly clever consumer credit expertâ.
Selected publications
Books and looseleafs
- Kelsall, RJ, âConsumer Credit: Law, Practice & Precedentsâ, Law Society Publishing
- Editor of Goode: Consumer Credit Law and Practice
- Editor of Goode: Consumer Credit Reports
- Editor of commentary on CONC, MCOB and BCOBS in Butterworths Financial Regulation Service
- Editor of commentary on equipment finance in Asset & Project Finance
- Editor of commentary on debentures in Practical Lending and Security Precedents
Articles
- Kelsall, RJ, âHigh Court dismisses unmeritorious âfreeman on the landâ claims against mortgage lendersâ, (2024) 7 JIBFL 479
- Kelsall, RJ & Twist, P, âThe Financial Conduct Authority, the court and the Financial Ombudsman Service: who is in charge?â, (2024) 11 JIBFL 755
- Kelsall, RJ, âWhen claims under consumer or asset finance agreements are time-barredâ (2013) 1 JIBFL 35
- Kelsall, RJ, âEnd of the road for PPI claims? Borrowersâ appeal withdrawnâ (2012) 9 JIBFL 587
- Kelsall, RJ & Geary, L, âTo withdraw or not to withdraw: the Consumer Credit Directive fails to answer the question!â (2012) 5 JIBFL 301