Consumer finance

The FLA Lending Code Group is an independent Group set up to monitor compliance with the FLA Lending Code and recommend action to the Association. The Group consists of a panel of independent representatives and a panel of industry practitioners – plus FLA representatives. We ensure that the independent representatives are in the majority for the purposes of decision making. Group members do not represent their organisations at meetings but are invited on to the Group due to their experience on the issues discussed . The Group has an independent Chairman, Professor Geoffrey Woodroffe.

The Lending Code Group comprises:

Independents

Professor Geoffrey Woodroffe (Chairman)
Professor Woodroffe is a Solicitor and Director of the Consumer Law Group at Brunel University.He was formerly Principal of the College of Law, Chester, a member of the National Consumer Council, and the Funeral Ombudsman.

Nick Lord
Nick Lord has worked in the consumer advice and advocacy sector for 25 years. His past posts inclide senior Money Advice roles at Citizens Advice, National Lead Tutor for the Money Advice Trust, and serving a a public interest director for the Mortgage Code Compliance Board. He now works as a consultant in money advice and personal finance issues. Nick is also a member of the Financial Services Authority Consumer Panel and the Solicitors Regulation Authority. 

Frances Harrison
Frances is manager of Fairbridge West, part of a national charity that offers excluded and disaffected young people a long term personal development programme. She has previously worked in areas of consumer and financial policy and advice provision at the National Consumer Council, National Association of Citizens Advice Bureaux and local authority regulatory services. 

Helena Wiesner
Helena is a consumer affairs specialist, with particular emphasis on financial services. She is currently Deputy Chairman of the Council for Licensed Conveyancers and was previously Deputy Chairman of the Personal Investment Authority. She has served as Director as a Director of the National Consumer Council, Financial Ombudsman Service and the Investors Compensation Scheme.

Peter Tutton, Citizens Advice

Panel of Industry Representatives

Judith Mullen, Head of Internal Audit, Paragon Group plc.
Don Kilgallon, Associate Director, Compliance and Administration, Capital Bank Motor plc.
Chris McAteer, MBNA.
Richard Tatford, Credit Operations Director, GMAC UK plc.
Mike Rees, Head of Technical Compliance, HFC Bank.
Elizabeth Mullins, Head of Compliance, Close Motor Finance
Gillian Myers, Regulatory Manager, Barclays Partner Finance

FLA Staff

Megan Charles,  Compliance Manager, FLA. 

FLA Lending Code Group Annual Reports

For more details on the Lending Code Group, download the latest Annual Report.

	FLA Lending Code Group Annual Report 2007 (PDF - 1.0MB)
	FLA Lending Code Group Annual Report 2006 (PDF - 1.7Mb)
	FLA Lending Code Group Annual Report 2005 (PDF - 1.2Mb)
	FLA Lending Code Group Annual Report 2004 (PDF - 491Kb)
	Consumer Code Group Code of Practice Annual Report 2003 (PDF - 1.9Mb)
	Consumer Code Group Code of Practice Annual Report 2002 (PDF - 849Kb)