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.  

Consumer Credit Barristers