BEGIN:VCARD
VERSION:3.0
FN:Derek Holt
N:Holt;Derek;;;
TITLE:Partner & Managing Director
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NOTE:Derek is an economist with 30 years' experience in competition and regulatory matters. He has acted as a testifying expert witness on around 25 matters (of which five in 2025) before the High Court\, Competition Appeal Tribunal (CAT)\, the Competition and Markets Authority\, various arbitration panels\, as well as before the Swedish Patent Court\, the South African Competition Tribunal\, the Hong Kong Competition Tribunal\, the Australian Federal Court and the European Commission. He has acted on a wide range of competition matters including abuse of dominance\, quantification of anti-trust damages and the competitive effects of horizontal and vertical agreements. He is a leading economic expert in the collective actions space\, acting on behalf of defendants including Amazon\, Visa\, a power cables operator and a musical instrument OEM. He was the expert for Dr Kent relating to her excessive pricing claim in Kent v Apple and is acting in Coll v Google concerning the Play Store commission. He has acted as class quantum expert on various recent collective matters in the rail and sewerage sectors. Derek was recently commended in the Lexology Guide for Competition Economists as a Global Elite Thought Leader. He has a Master of Science (with distinction) in economics from the London School of Economics. Relevant Experience\: Testifying roles with hearings in 2025 Expert for Dr Kent relating to excessive pricing in Kent vs Apple before the CAT Expert for Visa in Umbrella MIFs in Trial 1 (Liability)\, Trial 2A (Merchant Pass-on)\, Trial 2B (Acquiring Pass-on) before the CAT Expert for a Premier League football club in defence of claim for damages by rival club for breach of Profitability and Sustainability Regulations (PSR) before International Dispute Resolution Centre (IDRC) Expert for a Premier League football club in claim brought against PL relating to competition challenge to its application of the PSR before IDRC Expert for PriceRunner in claim pursuant to Google Shopping Decision (Swedish Patent Court) Testifying expert roles on matters reaching judgment 2025 Expert for Amazon Stephan v Amazon and Hammond v Amazon\, collective actions related to alleged anti-competitive conduct on behalf of merchants and consumers Expert for Visa in CICC v Visa\, an opt-in and opt-out collective action on behalf of merchants in relation to commercial MIFs Expert on behalf of defendant CS Energy in Stillwater v Stanwell and CS Energy\, a consumer action regarding allegation of abuse of substantial market power in the Queensland wholesale energy market\, before Australian Federal Court Expert for class in Anthony v Apple and McDonald v Google\, concerning app store fees before Australian Federal Court
URL:https\://www.alixpartners.com/our-people/28246/derek-holt/
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