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Santander Consumer (UK) PLC v Young

Smart Summary

Factual and Procedural Background

The Court of Appeal considered the Appellant’s application for recusal of the presiding judge and the Appellant’s substantive appeal. The Appellant was unrepresented and absent from the hearing; the Respondent was represented. [1][2]

The court had previously raised recusal at a case-management review and provided both parties with material explaining the applicable principles. The Appellant’s eventual application substantially repeated earlier written submissions. [2][3]

The court dismissed the substantive appeal, ordered costs against the Appellant on an indemnity basis, and later dismissed the Appellant’s application for leave to appeal to the United Kingdom Supreme Court. [4][5][6]

Legal Issues Presented

  1. Whether the presiding judge should be recused. [2][7]
  2. Whether the Appellant’s absence justified adjourning the hearing. [8][9]
  3. Whether the pleadings disclosed an identifiable cause of action. [10]
  4. Whether the Appellant required and had obtained leave to appeal. [10][11]
  5. Whether the notice of appeal was sufficiently clear, intelligible, particularised and coherent. [12]
  6. Whether costs should be awarded against the Appellant on an indemnity basis. [13][4]
  7. Whether the application for leave to appeal to the United Kingdom Supreme Court disclosed a coherent point of law of general public importance. [5][6]

Arguments of the Parties

Appellant’s Arguments

  • The Appellant alleged dishonesty and bias by the presiding judge and broader bias and discrimination by the judiciary. [14][15][16]
  • The Appellant invoked Articles 6 and 14 of the European Convention, Article 1 of the First Protocol, and “natural law” in support of his applications. [15][16][5]
  • The Appellant alleged that courts had acted without jurisdiction and sought leave to appeal to the United Kingdom Supreme Court. [5]

Respondent’s Arguments

  • The Respondent’s counsel made submissions on costs, including the consequences of the Appellant’s conduct and the work undertaken by the Respondent’s legal representatives. [17][13]

Table of Precedents Cited

Precedent Rule or Principle Cited For Application by the Court
Re Hawthorne and White [2018] NIQB 5 Recusal principles and practice. The court had provided the parties with an excerpt concerning those principles before the hearing. [18]
Blaney [2025] NICA 73 The importance of clarity, particularisation and specificity in applications to a court. The court relied on the decision in concluding that the recusal application repeated incurable defects and lacked proper particularisation. [19]
Flynn v Chief Constable [2020] NICA 293 The requirement for leave to appeal. The court treated the Appellant’s failure to apply for or obtain leave as an incurable flaw. [10][11]
Blaney (No.1) The fundamental requirement that notices of appeal be clear, intelligible and particularised. The court held that the notice of appeal failed those requirements and dismissed the appeal on that independent ground. [12]
Re O’Neill’s Application [2009] NICA 19 The misuse and futility of litigation and the disproportionate use of judicial and public resources. The court stated that the passage resonated with the circumstances of the appeal and its broader conduct. [20][21]

Court’s Reasoning and Analysis

The recusal application failed first because the allegations of dishonesty and bias were wholly unparticularised and unintelligible. The burden was on the Appellant, as the moving party, to provide a properly particularised application; he had not done so. [22][14]

The court also relied on an alternative merits assessment. A fair-minded and informed observer would have had no concern about the presiding judge’s impartiality, particularly in light of the absence of specific allegations, the Appellant’s prior unsuccessful complaint process, the breadth of his allegations against the judiciary generally, and the judge’s provision of the governing legal materials. [7][23][24]

The court declined to draw an adverse inference merely from the Appellant’s absence. However, the Appellant had not explained his absence or sought an adjournment, and the court considered him familiar with the risks of failing to attend. Fairness to the Respondent and the costs implications also weighed against an adjournment. [8][25][9]

On the appeal itself, the court considered that the pleadings disclosed no identifiable cause of action. It nevertheless proceeded to other grounds because that was not the basis on which the Appellant had previously been unsuccessful. [10]

The Appellant had neither applied for nor obtained leave to appeal, which the court considered an incurable defect. Independently, the notice of appeal lacked clarity, specificity, particularity and coherence. Each ground was sufficient to dispose of the appeal, which the court additionally characterised as an abuse of process. [10][12][26]

For costs, the court considered the Appellant’s unexplained conduct and the substantial work undertaken by the Respondent’s legal representatives in preparing the bundles. It therefore considered an indemnity costs order appropriate. [13][4]

The Appellant’s subsequent application for leave to appeal to the United Kingdom Supreme Court was dismissed because it contained unparticularised allegations and disclosed no coherent point of law, still less one of general public importance. The court also characterised it as an abuse of process. [5][6]

Holding and Implications

The recusal application was refused and the substantive appeal was dismissed. The appeal was held to be devoid of merit and an abuse of process. [7][26]

The Appellant was ordered to pay the Respondent’s costs on an indemnity basis, and the application for leave to appeal to the United Kingdom Supreme Court was dismissed. [4][6]

The opinion identifies no broader legal implication or new precedent; its direct effect was the disposal of the applications and the imposition of costs against the Appellant.

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Santander Consumer (UK) PLC v Young

Contains public sector information licensed under the Open Justice Licence v1.0.

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Santander Consumer (UK) PLC v Young
(Jan 13, 2026)