James Ross, Ruth Bala, Thomas Samuels and Lee Finch are all specialist consumer credit counsel at Gough Square Chambers. On a regular basis, they share their views with Practical Law Financial Services subscribers on topical developments or key issues relating to consumer credit.

In the April column, Thomas Samuels considers the impact of the replacement of the old extortionate credit bargain test with the unfair relationship provisions at sections 140A-C of the Consumer Credit Act 1974 (CCA).