Ruth Bala, Lee Finch, Sabrina Goodchild and Thomas Samuels 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 December 2021 column, Sabrina Goodchild considers the recent judgment in Smith v Royal Bank of Scotland plc [2021] EWCA Civ 1832. The case concerns the limitation period applicable to unfair relationship claims under the Consumer Credit Act 1974 (CCA) and the effect of the transitional provisions governing the same.