Ruth Bala, Lee Finch, Sabrina Goodchild and Thomas Samuels 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 August 2020 column, Sabrina Goodchild considers the recent judgment in Kerrigan v Elevate Credit International Ltd [2020] EWHC 2169 (Comm). In Kerrigan, the High Court clarified that, in a case concerning payday lending, the court will apply different tests for causation as between claims for breach of statutory duty and claims alleging the existence of an unfair relationship under the Consumer Credit Act 1974 (CCA).