Recent failures exposed structural and ethical flaws, with rigid repayment schedules, misaligned incentives, and excessive reporting requirements leaving firms and consumers exposed.
Dover argues for funding models that prioritise client outcomes, transparency, and shared success, rejecting commission-based structures and punitive terms. Law firms should question funders, ensure downside risk is shared, and avoid unsustainable growth. Ethical funding requires all stakeholders to operate collaboratively and benefit only when the client does. He calls for a fundamental shift in litigation finance, making funding a tool for access to justice rather than a source of risk.