James Ross, Ruth Bala, Thomas Samuels and Lee Finch 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 September column, Thomas Samuels considers the key provisions of the new Pre-Action Protocol For Debt Recovery Claims, which applies from 1 October 2017, and some of the issues that may arise in its application.