On June 30, 2026, the UK Court of Appeal delivered a landmark decision in a large-scale consumer lawsuit seeking refunds for unfair fees (overcharges) associated with car loans, a judgment that will shape future history.

The core of this winning judgment (Angel v Black Horse) lies in the judiciary's formal recognition that thousands, even tens of thousands, of consumers can have their cases processed collectively within a single procedure through one "omnibus form (collective claim form)," rather than each individual filing extensive documentation and initiating separate lawsuits.

This is not merely a procedural victory. It is a practical and fundamental solution that removes the biggest "barriers" to individuals asserting their legitimate rights against massive organizations: litigation costs and prolonged procedures. It signifies the completion of a legal framework (judicial infrastructure) that allows many ordinary consumers to receive legitimate relief without giving up due to the hurdles of cost and time.

Our Stance: Promoting Access to Justice

Monterey Capital Management Japan Co., Ltd. (Headquarters: Chuo-ku, Tokyo; Representative Director: Kazuhiko Hiruta; hereinafter "Monterey Japan"), as part of the litigation finance strategy managed by its parent company, Monterey Capital Management Pte. Ltd. (Headquarters: Singapore; CEO/CIO: Kei Murata; hereinafter "Monterey Singapore"), has been confident in and supported this outcome from the outset.

A society where individuals can utilize the judicial system without fear of costs (improved access to justice) is essential for the development of a sound society. This decision to streamline procedures in the UK perfectly validates the Monterey Group's philosophy of "improving access to justice through finance," and we deeply agree with and strongly welcome this global trend.

Finance with Intent: Our Track Record

We do not stop at mere verbal support. To underpin this framework for consumer relief with our unique foresight, we have consistently taken concrete actions.

Strategic Alliances with Global Specialized Institutions

To handle complex and advanced overseas legal infrastructure, we have built strong cooperative relationships with global litigation finance pioneers and overseas specialized institutions, acting as a bridge connecting cutting-edge knowledge.

Commitment Through Continuous Co-Investment

We have proactively executed and continued co-investment projects, including the first, second, and third tranches, through the Group's managed funds, for large-scale cases of institutional significance, such as car loan overcharge claims in the UK.

This historic judgment validates the areas we have been involved in with foresight and confirms the positive changes in the business environment, such as the acceleration of procedures.

Monterey Japan will continue to monitor cutting-edge judicial decisions and legal trends overseas, as well as the evolution of litigation finance, and will contribute to the development of a sound market and the resolution of social issues by sharing the Group's overseas expertise with everyone.

<Company Profile>

Monterey Capital Management Japan Co., Ltd.

Financial Instruments Business Operator (Investment Management Business) Kanto Local Finance Bureau (Kinsho) No. 3434

Real Estate Transaction Business Operator Tokyo Governor (1) No. 112952

Affiliated Associations

Certified Association of Investment Advisers and Financial Futures Association of Japan

Public Interest Incorporated Association Tokyo Real Estate Association

Public Interest Incorporated Foundation Real Estate Transaction Guaranty Association of Japan, Tokyo Headquarters

Head Office Location: Chuo-ku, Tokyo

Established: 2024

Business Activities: Financial Instruments Business (Investment Management Business), Real Estate Transaction Business

URL: https://moncapi.jp/

Contact: info@moncapi.com

*This release is a general announcement regarding business activities and does not constitute an offer to acquire specific financial products.

FACT BOX

  • Source: PR TIMES
  • Category: 訴訟
  • Organizations: Monterey Capital Management Pte. Ltd.