As a member of the Banking and Finance team, Abby regularly advises on the Scottish aspects of a broad range of Debt Capital Markets and Securitisation deals, including residential and commercial mortgage backed transactions, covered bond programmes and the sale and securitisation of non-traditional assets such as auto receivables, credit cards and personal loans. Abby has also acted for sellers, bidders, purchasers and funders on some of the most prominent Loan Book Trading deals in recent years, with an extensive experience of loan file due diligence and advising on both performing and non-performing residential mortgage loan books in the context of loan portfolio sales and acquisitions. Her experience extends to Property Finance, where she regularly prepares security documents for both lenders and borrowers, as well as acting on a range of refinancing and restructuring transactions in both the cross-border and Scottish markets.
A significant part of Abby’s practice includes preparing and updating standard loan documentation for major UK banks, building societies and financial institutions for their use in Scotland, as well as drafting and reviewing mortgage product, credit card and personal loan terms and conditions from both a regulated and non-regulated perspective. Abby’s experience of Financial Products and Services has also seen her advise on a range of consumer credit issues, and she regularly provides lenders with enforceability, exemption and borderline analysis of applicable consumer regulation. Abby also advises on a breadth of wider regulatory issues, with a particular recent focus being compliance with payment services and ring-fencing legislation.