Russell Kelsall#2436

Russell Kelsall, LLB (Hull); LPC (Shef)

Solicitor, Partner, TLT
Russell is a Partner at TLT LLP and its Head of Consumer & Motor Finance. He leads an award-winning team of non-contentious and contentious lawyers specialising in consumer, motor and asset finance. He has market-leading expertise in regulated financial products with a particular specialism in consumer credit, mortgages, payment services and savings. He is often instructed to advise on sensitive regulatory issues, including interactions with the Financial Conduct Authority and the Financial Ombudsman Service. Russell is the author of 'Consumer Credit: Law, Practice and Precedents' and an editor of both 'Goode: Consumer Credit Law and Practice' and 'Goode: Consumer Credit Reports'. Industry guides describe him as an "expert in the industry who knows exactly what to do in any given situation", being "very clued-up and able to give advice in a succinct, practical way”, having an "in-depth knowledge of the Consumer Credit Act", being "very competent in the consumer finance area" and being a "shockingly clever consumer credit expert".

Russell is retained by the Finance & Leasing Association to provide training to its members and has recently (a) advised the FLA on its lobbying of HM Treasury for changes to the regulation of consumer credit (including the need for emergency legislation) and (b) been instructed by the FLA to review best practice guidance for the industry.

Russell has contributed to the following divisions: 4H and 7B.
Contributed to


Cancellation and withdrawal provisions for consumer credit and hire agreements
Cancellation and withdrawal provisions for consumer credit and hire agreements
Practice notes

This Practice Note considers the impact of distance selling on credit agreements regulated by the Consumer Credit Act 1974 (CCA 1974) and consumer hire agreements regulated by the CCA 1974. In both cases, it is assumed such agreements are not secured on land, or used to help buy land.

Practice Areas


  • Consulting Editorial Board
  • Contributing Author
  • Q&A Panel

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