Prescillia Algrain

Prescillia is counsel in Janson's Banking & Finance department. She is an expert in regulated credit law.

 
 

Prescillia more than 10 years of experience and is specialized in regulated credit law (consumer credit, mortgage credit and SME financing). 

She has extensive experience in consumer credit litigation, in which she has represented various national financial institutions. She regularly drafts B2C and B2B credit agreements for various national and international financial institutions active in Belgium. She is also actively involved in the field of credit compliance, both in advising and assisting financial institutions in the context of investigations initiated by the supervisory authorities (FPS Economy, FSMA). 

Prescillia has participated as a speaker at several specialized conferences on the subject.  

She also has a practice in the field of payment services (advice, procedure).

She works in French, Dutch and English.

    • Advising several international banks on their credit and payment services activities in Belgium

    • Representation of a major Belgian bank in a preliminary ruling procedure before the Court of Justice of the European Union (compatibility of the Belgian law with Directive 2008/48/EC on consumer credit agreements)

    • Assisting various financial institutions in their applications for license as lenders in Belgium (in various categories)

    • Assisting companies in their applications for registration as a financial leasing company in Belgium

    • Drafting various types of consumer credit agreements (including hire-purchase), mortgage credit agreement with movable and immovable purpose and assisting in the prior approval procedure with the FPS Economy

    • Assisting a client in the negotiation and drafting of a mortgage assignment agreement and in obtaining the appropriate license with the FSMA

    • Assisting clients in setting up payment instruments in Belgium

    • Representation of a major Belgian bank in phishing litigation

  • Banking and finance

  • Education:

    LL.M. in European Competition and IP law (Liège 2012)

    Master of laws (ULB 2010)

    Bar : Brussels

    • Brève histoire du droit européen du crédit à la consommation : évolutions et perspectives, in Liber Amicorum Denis Philippe, Vol. 1, Bruxelles, Larcier, 2022, 413-436 (with D. Blommaert)

    • Contractuele verplichtingen bij kredietverlening: consument is koning, RDC-TBH 2022, nr. 2, 206-219 (with D. Blommaert and S. De Moor)

    • Le crédit lié: une suite sans fin …, RDC-TBH 2020, nr. 8, 1032-1041 (with D. Blommaert)

    • De beoordeling van de solvabiliteit van de consument bij krediettoekenning op basis van de Guidelines over de kredietwaardigheidsbeoordeling : welke impact op de praktijk ?, BFR 2019, nr. 4, 318-339 (with D. Blommaert)

    • Le champ d’application du crédit hypothécaire, in Le crédit hypothécaire au consommateur. Etat de la question, Bruxelles, Larcier, 2017, 55-74 (with D. Blommaert)

    • Le champ d’application des différentes réglementations, in Crédit aux consommateurs et aux P.M.E., CUP, 170, Bruxelles, Larcier, 2016, 10-70 (with D. Blommaert)

    • La crise du photovoltaïque : les prêts ayant financé les contrats d’achat sont-ils toujours des crédits liés? (note sous J.P. Visé, 20 novembre 2017 et J.P. Grâce-Hollogne, 31 janvier 2017), Ann. Jur. Cr., 2017, 15-21 (with D. Blommaert)

    • Les principes relatifs au droit du crédit à la consommation, in Traité Pratique de Droit commercial, Tome 5, Kluwer, 2016, 628-686

    • Les opérations de réception de fonds et la protection des dépôts, in Traité Pratique de Droit commercial, Tome 5, Kluwer, 2016, 628-686

    • Transposition en droit belge de la directive relative aux systèmes de garantie des dépôts, Dr.banc.fin., 2016/IV, 285-29

    • La tierce complicité du vendeur professionnel de voitures de la violation par l’emprunteur de la clause de réserve de propriété du prêteur (note sous J.P. Charleroi du 28 mars 2014), Ann. Jur. Cr., 2014, 97-100 (with D. Blommaert)

 

 Contact details.

Email: p.algrain@janson.be

Phone: +32 2 675 30 30