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 March 2023 column, George Spence-Jones considers the High Court decision of HHJ Lesley Anderson KC in Arthistory Ltd v Campbell and Campbell [2022] EWHC 848 (Ch). The case concerned whether an arrangement constituted a regulated mortgage contract under the Financial Services and Markets Act 2000 (FSMA), whether it was entered into "by way of business" and whether there was an unfair relationship under section 140A of the Consumer Credit Act 1974 (CCA).