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In the last recession Thomas acted for a number of banks enforcing mortgages which secured business lending. He regularly dealt with defences such as undue influence, misrepresentation, forgery, and sale at an undervalue, and complex subrogation issues. Reported cases included Banco Exterior v Thomas, CA and Corbett v Halifax CA. More recently Thomas has advised lenders on remedies in the context of mortgage fraud and solicitors negligence.

Thomas is the contributor of the mortgages section in Halsbury’s Laws of England, now in its 5th Edition, 2010.