James Ross, Ruth Bala, Thomas Samuels and Lee Finch 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 September 2018 column, Ruth Bala considers validation orders relating to consumer credit agreements in the light of Plaxedes Chickombe and others v FCA and Clydesdale Fin Services Ltd t/a Barclays Partner Finance [2018] UKUT 0258 (TCC).