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Clifford Payton, Called 1972 
MA (Oxon), BCL (Oxon)
 
Clifford Payton, Head of Chambers based near Warwick
 
 
 
Head of Chambers
 
Clifford specialises in Commercial and Chancery Law.
 
His areas of practice now include banking, contracts, commercial leases, company law, insolvency, consumer credit, sale of goods, payment systems, international trade, equitable interests, estates and probate, property, trusts, landlord and tenant, mortgages, professional negligence, partnerships and LLPs, and employment law; in courts throughout England and Wales.
 
 
Successful cases include:
 
Platform Funding Ltd (Formerly Halifax Plc) (CA) [2009] QB 426 v Bank of Scotland Plc in which he successfully argued that a surveyor may owe an unqualified obligation under contract (in this case to inspect the right property) in addition to the usual professional obligation to exercise reasonable care and skill (instructed by Glenisters). 
 
Heath Southern Pacific Mortgage Limited [2009] EWHC 103 (Ch) successfully arguing that an agreement to re-mortgage involving additional money is not a multiple agreement under s18 of the Consumer Credit Act 1974 (instructed by Glenisters). Affirmed on appeal 5th November 2009 (CA).
 
North East Property Buyers Litigation [2010] EWHC 2991 (Ch) another successful result in which it was decided that a seller under a sale and lease-back arrangement does not have an overriding interest in priority to that of the purchaser's mortgagee.
 
Clifford is a member of the Chancery Bar Association and the Professional Negligence Bar Association.

Before returning to the bar in 1993 he was the Head of Legal Affairs at the banking organisation known as APACS, responsible for CHAPS and overseeing the innovation of the debit card systems now known as "Switch" and "Delta", working alongside Theresa May.
 
He also represented the UK both at the United Nations, in the UNCITRAL Working Group on International Payments which developed the Model Law on international payments, and in Europe, in the Council of Europe Committee on Data Protection and Banking.
 
Commercially he has also acted as Chief Legal Counsel to an international computer software consortium.
 
Until its merger with the Southern Housing Group on 30 September 2010, he was the Chairman of the James Butcher Housing Association. He was also a member of the Board and Audit Committee of the Southern Housing Group.
 

Clifford is located near Stratford-Upon-Avon and covers all of England and Wales.
 
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