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 February 2019 column, Thomas Samuels considers the recent judgment in Doyle v PRA Group (UK) Ltd [2019] EWCA Civ 12. In this case, which involved consideration of when limitation began to run in relation to a debt claim under a credit card, the court considered the status and effect of a default notice served pursuant to sections 87 to 89 of the Consumer Credit Act 1974 (CCA).