Cranston Review Appeals

About The Appeals Process

Summary of Cranston Review Appeals Process for de facto directors and debt relief claims

  • Once the Bank has provided you with its final decision on your debt relief or de facto director claim, you may appeal that decision. You must first agree that the appeal decision in your case will be final and binding on you and on the Bank.
  • Within 28 days of receiving the Bank’s decision, you must notify the Bank and Rory Phillips QC if you intend to appeal, and provide Mr Phillips with all documents and information which you consider relevant to the appeal, including:
    • all documents and information which were submitted to the Bank;
    • the Bank’s decision letters and supporting documentation;
    • copies of any other correspondence between you and the Bank; and
    • any further material which you would like Mr Phillips to take into account, including, if possible, a short explanation of why you consider the Bank’s decision to be incorrect.
  • This material should be sent to Rory Phillips QC via the following email address: info@cranstonreviewappeals.com.
  • If there are any gaps in the material provided in relation to your appeal, Mr Phillips will request further information from you or the Bank.
  • The appeal team will consider the documents in order to determine whether the Bank’s decision should be upheld, overturned or varied.
  • The decision on each appeal will be made by Rory Phillips QC.

A more detailed overview of the Cranston Review Appeals Process for de facto directors and debt relief claims can be found here.

Summary of Cranston Review Appeals Process for D&I compensation

  • Any customer who is not content with the Bank’s final decision in relation to D&I compensation made after the Customer Review (which closed on 03 May 2019) is entitled to appeal that decision to Rory Phillips QC.
  • If you wish to appeal the Bank’s final decision, you must do so within 28 days of notification by the Bank of the appeals process. Within that time limit, you must:
    • notify the Bank and Mr Phillips of your intention to appeal the decision;
    • if you so wish, submit any information or documents which you would like Mr Phillips to take into account in support of the appeal; and
    • confirm to the Bank and Mr Phillips that you have no objection to the Bank contacting other directors of your former business who participated in the Customer Review (“the Comparative Director”).
  • All material related to the appeal should be sent to Rory Phillips QC via the following email address: info@cranstonreviewappeals.com.
  • If there are any gaps in the material provided in relation to your appeal, Mr Phillips may request further documents and/or information from the Bank or the customer, as he sees fit.
  • The appeal team will consider the documents in order to determine whether the Bank’s final offer was fair.
  • The decision on each appeal will be made by Rory Phillips QC.

A more detailed overview of the Cranston Review Appeals Process for D&I compensation can be found here.

About Rory Phillips QC

Rory Phillips

Rory acted as senior counsel to Sir Ross Cranston during the Cranston Review and has assisted him in his further work this year. He has practised at the Bar for 35 years and has been a QC since 2002. He undertakes a wide range of commercial and public law work and has extensive experience of inquiries and investigations. In particular, he acted as counsel to the Parliamentary Commission on Banking Standards and questioned senior executives during its work on the failure of HBOS.