Consumer Credit

Consumer Credit


Members of chambers can provide advice and representation on consumer credit issues, for instance, in respect to:

  • consumer credit agreements;
  • hire purchase agreements and conditional sale agreements;
  • credit card agreements; 
  • mortgages and other secured borrowing;
  • Fair trading and the powers of the FCA in consumer credit transactions and practices;
  • The registration and management of credit unions under the Credit Unions Act 1979;
  • Advertising practices, the provision of pre-contractual information, assessment of creditworthiness, termination or withdrawal from credit agreements, and other issues under Directive 2008/48/EC; and
  • Authorisation under the Financial Services and Markets Act 2000 of those carrying out consumer credit business by the Financial Conduct Authority and the Prudential Regulation Authority;

Whether the provider of credit was a bank, credit card company, moneylender, pawnbroker, mutual aid societies or alike, members can assist in helping you understand what your rights and obligations are. Consumer credit is a strictly regulated area of commerce, governed largely by Consumer Credit Act 1974 and the Consumer Credit Act 2006, resulting an a complex and technical set of rules to navigate. Our barristers will aim to help you through these rules in a efficient, pragmatic and cost-effective way.  

We are involved at all stages of credit hire litigation, both pre and post-issue of proceedings, on all types of credit hire claims, from small claims track matters to the most valuable and serious multi-track cases. Our written work includes drafting pleadings, drafting Part 18 requests and replies, the drafting of applications, along with advising at any stage of the litigation. Oral advocacy includes all aspects from minor applications to fully contested test litigation.

For further information please contact Senior Civil Clerk, Mark Byrne on 0207 242 6476 (Direct Line :0207 421 5568) Mobile: : 07985 615 215 / 07931 231 321 email:



Consumer Credit Barristers