Ruth Bala, Lee Finch, Sabrina Goodchild and George Spence-Jones are all specialist consumer credit counsel at Gough Square Chambers. On a regular basis, they will share their views with Practical Law Financial Services subscribers on topical developments or key issues relating to consumer credit.

In the July 2022 column, George Spence-Jones considers paragraph 55 of Part IV of the Schedule to the Financial Services and Markets Act 2000 (Exemption) Order 2001 (SI 2001/1201) in the regulated lending sphere and the issue of who can commence court proceedings to recover assigned debts - the assignee and/or the servicer of the assignee?. This is in the light of the County Court appeal decision of HHJ Robinson in Intrum UK Finance Ltd v Baldwin (unreported), 8 June 2022.