Business Consultant
Array
(
[register] => E
[Membership_Number] => 1426
[Qualifications] => DIPM 1994
DIPMAN (Open) 1991
Institute of Financial Services, Advanced Certificate in Mortgage Advice and Practice (AdvCeMAP)
Institute of Financial Services, Certificate in Regulated Complaint Handling (CeRCH)
Institute of Financial Services, Certificate in Alternative Residential Lending (CeARL)
Institute of Financial Services, Certificate in Regulated Customer Care (CeRCC)
Institute of Financial Services, Certificate in Regulated General Insurance (CeRGI)
Chartered Insurance Institution, Mortgage Advice Qualification (MAQ).
Chartered Institute of Bankers, Diploma in Mortgage Lending Subject Pass - Residential Lending & Property Law
Institute of Financial Services, Certificate in Mortgage Advice and Practice (CeMAP)
Chartered Insurance Institution, Financial Planning Certificate (FPC)
Institute of Financial Services Certifcate in Regulated Equity Release (CeRER)
Institute of Financial Services Certificate in Commercial Mortgages (CeCM)
Institute of Financial Services, Certificate in Commercial Mortgages (CeCM)
[Secondary_Occupation] =>
[R1] => Partner
[Expert_Experience1] => Mortgages & remortgages; Lending policies, underwriting, loan assessment; Forensic analysis of past mortgage cases comparing the lending against lending policies and general practices at the the time, for Claimants and Defendants
[Expert_Experience2] => Financial Service Act Compliance
Financial Service Selling Practice
Banking Practice
Areas management and possession sales; Endowment v Repayment; Mortgages/mortgage sales practice; Negligent mortgage advice and inappropriate use of mortgage repayment vehicles; Mortgage fraud (including forensic analysis of individual cases); Individual borrower disputes; Professional negligence; Lending negligence; Unsecured lending; Consumer credit & consumer loan disputes; Consumer credit & consumer loan disputes; Consumer Credit Act and extortionate credit bargains; Home Income Plans; Shared appreciation mortgages; Debt ecovery/realisation
Lending negligence
Mortgage Lending
Mortgage fraud
Mortgage sales practice
Extortionate credit bargain
Consumer credit act
[C1] =>
[S3] =>
[Area_Worked] =>
[LegalAid] => 1
[No_Instructions3] => 110
[No_Instructions1] => 36
[No_Reports_Written3] => 110
[No_Reports_Written1] => 36
[No_Court_Appearances3] => 1
[No_Court_Appearances1] => 1
[Key_Words] => mortgage; underwriting; negligence; arrears; repossession; fraud; lending policies
[Brief_CV] => Baxters Business Consultants offer expert witness services to the residential mortgage lending, building society and financial service industry. Please visit our site www.baxtersbc.co.uk or telephone us for a free initial discussion regarding your case. Nick Baxter has extensive experience in acting as a Single Joint Expert, recent experience in giving oral expert evidence [Royal Courts of Justice London] and recent experience of giving concurrent expert evidence in the High Court [‘hot tubbing’].
[Mediator_CV] =>
[Submit] =>
[ACCOUNT_REF] =>
[grade] => Full Member
[Dispute_Experience] =>
[Offiicial_Positions] =>
[Other_Activities] =>
[CVviewscount] => 1080
[dateofentry] =>
[cvamended] =>
[updated] => Óß`
[Brief_CV2] => Baxters Business Consultants is a business consultancy undertaking marketing, training, freelance journalism and expert witness services to the residential mortgage lending, building society and financial service industry.
We are involved in mortgage product development with both central lenders and building societies and the marketing of mortgage products through Mortgage Promotions Limited.
We also carry out marketing work for organisations marketing their services into the building society world and our training courses are aimed at improving the knowledge and professionalism of building society staff by assisting them to attain industry examinations.
We have been involved with a number of organisations with the implementation of the Council of Mortgage Lenders Mortgage Code and Nick Baxter was a member of the Mortgage Code Compliance Board (MCCB) Advisory Group, and the MCCB Disciplinary Committee ÚList of ExpertsÚ throughout the whole of that organisation existence (before the FSA took over mortgage regulation in November 2004).
Nick Baxter is a member of the Advisory Board of the Society of Mortgage Professionals.
Nick Baxter is appointed by the Lord Chancellor and Secretary of State for the Department of Trade and Industry to the licensing appeals panel under the Consumer Credit Act and the Estate Agents Act of.
Our clients include, trade bodies, building societies, life offices, computer software houses, mortgage brokers and independent financial advisers. Nick Baxter is a director of the mortgage club Mortgage Promotions Limited.
Nick Baxter has authored, co-authored and Úghost authoredÚ articles for various financial publication including; Mortgage Finance Gazette, Investment Week, Money Marketing, Money Management, Mortgage Introducer, Mortgage Strategy, Mortgage Solutions, Niche, Financial Adviser, Financial Decisions, IFA News, NFIFA News, IFA Portfolio Bulletin, NFIFA Bulletin and BIIBAview. I have been interviewed on BBC breakfast news giving his opinion on mortgage related matters and regularly speak at industry conferences.
Nick Baxter is a Sweet and Maxwell checked Expert Witness and a Founding Member of the Society of Expert Witnesses having acted as an expert witness in the High Court. I have given evidence as an expert witness in the High Court.
[update_ws] => 0
[Rec_no] => 926
[Grade] => PM
[Active] => 1
[Name_Title] => Mr
[Name_Forename] => Nicholas
[Name_Surname] => Baxter
[Additional_Names] =>
[Company] => Baxters Business Consultants
[country] => GB
[main_address] => Work
[Town] =>
[Overseas] => 0
[Telephone] =>
[Telephone_Extension] =>
[Fax] =>
[TelephoneH] =>
[FaxH] =>
[Mobile] => 07850 278478
[email] => nickbaxter@baxtersbc.co.uk
[main_contact] => Work
[wwwadr] => www.baxtersbc.co.uk
[Principal_Occupation] => Business Consultant
[Job_Position] => Partner
[Employment_Status] => Partner
[QDR_Number] =>
[Gender] => Male
[DateJoined] => 1995-08-21 00:00:00.000
[DateResigned] =>
[Societies] =>
[user] =>
[Amended] =>
[INVetting] => 0
[InDisciplinary] => 0
[profession] => MANAGEMENT CONSULTAN
[profession 2] => Lending
[Date entered] => 1995-08-21 00:00:00.000
[Birthday] => 1956-04-20 00:00:00.000
[Joined] => 1995-08-21 00:00:00.000
[Tel 2] =>
[Internet] => 1
[InternetStop] => 0
[inetpwd] => qfa1426hvn
[InetDate] =>
[Inet_Year] => 2024
[MembType] => 1
[temp] => Nicholas
[DXNumber] =>
[DXArea] =>
[ProBono] => 0
[corporate] => 0
[ConfSO] => 0
[ConfSOdate] =>
[AccountsLink] => 1426
[QDRCancel] =>
[QDRActive] => 0
[hcupdate] => 1
[CIWEM] => 0
[SOCENV] => 0
[BMFDRS] => 0
[councilcall] =>
[PIScheme] => 2013
[PIExempt] => 0
[PIrunnoff] => 0
[PIrunnoff_expiry] =>
[Panel_NMH] => 0
[ED_Number] =>
[ED_Cancel] =>
[ED_Active] => 0
[ICAEW] =>
[ICAEW_join] =>
[ICAEWCancel] =>
[InternetLevel] => B
[url_alias] => nicholas-baxter
[file_date] => 1995-08-21
[corp_company_ref] =>
[subs_year] => 2025
[sort_display] => Baxter, Nicholas
[last_modified] => 2025-01-10 11:32:11.863
[profile_view_email] => 1
[Name_Forename_formal] => Nicholas
[Telephone_c] => GB
[TelephoneH_c] => GB
[Mobile_C] => GB
[email2] =>
[Telephone_w] => 1
[TelephoneH_w] => 1
[Mobile_w] => 1
)
