Timothy John Chapman

Findings — machine-extracted (anthropic-batch:claude-opus-4-8); verify against the decision

Timothy John Chapman, a sole practitioner solicitor, held a General Power of Attorney over the UK bank account of a client and close family friend, Mr T. Authorised to borrow up to £60,000, he made 352 withdrawals totalling £277,677.18, exceeding the authorised limit from September 2001 onwards. He admitted the withdrawals beyond £60,000 were unauthorised and dishonest, and he self-reported to the SRA. The Tribunal found the admitted allegations substantiated, including an express finding of dishonesty, and struck him off the Roll, ordering costs of £3,407.90.

Duties found breached:

• No conflict between current clients
• No improper use of client money

Aggravating factors:

• Dishonest conduct pursued over a considerable period of time
• 352 unauthorised withdrawals totalling significant sums beyond the £60,000 authorised limit
• Breach of trust involving a client who was also a close friend

Mitigating factors:

• Self-reported his misconduct to the SRA
• Strong testimonials and oral evidence attesting to good character
• Never intended not to repay, and Mr T accepted this
• Made efforts to repay - charged equity in his house, repaid £48,000, passed interest in practice premises to Mr T
• Conduct described as an aberration/out of character
• Stress of running a sole practice