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 on consumer credit issues.

In the first column, Thomas Samuels considers the potential impact of the ongoing appellate litigation in NRAM plc v McAdam and another [2014] EWHC 4174 (Comm) (10 December 2014), in which the Court of Appeal's decision is currently eagerly awaited.