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 January 2021 column, Ruth Bala considers applications for judicial review of decisions by the Financial Ombudsman Service (FOS) in the light of the applicant's recent victory in R (on the application of TF Global Markets (UK) Ltd, t/a Thinkmarkets) v Financial Ombudsman Service Ltd and others.