Ruth Bala, Lee Finch, Sabrina Goodchild and George Spence-Jones 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 January 2023 column, Lee Finch considers the definition of "debtor" in section 75 of the Consumer Credit Act 1974 (CCA) in the light of the recent judgment in Cooper v Freedom Travel Group Ltd and another [2022] EWCA Civ 1557.