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 October 2018 column, Thomas Samuels considers whether, in the light of the proposed expansion of the Financial Ombudsman Service's (FOS) jurisdiction and financial limit, the FOS is likely to be able to adequately deal with more complex matters, and if the expansion provides a good reason for its overhaul.