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 May 2023 column, Sabrina Goodchild considers the recent judgment in R (Shawbrook Bank Ltd) v Financial Ombudsman Service Ltd [2023] EWHC 1069 (Admin) (05 May 2023), focusing on the court's decision relating to section 56 of the Consumer Credit Act 1974 (CCA), which concerns antecedent negotiations.