Gough Square Chambers

Anna practises in all areas of consumer and regulatory law.

Barrister specialising in consumer and regulatory law with a bias towards consumer credit and financial services. Publications: co-author of "The Law of Consumer Credit and Hire"; and contributing editor to "Consumer and Trading Standards: Law and Practice 2017".

Cameron specialises in regulatory law with an emphasis on consumer law, associated fraud, health and safety, fire safety, food safety and product safety. He has represented clients in some of the most significant and high-profile cases in his areas of specialism over the last twenty years, in both the criminal and civil jurisdictions, and is recognised as a leader in his field by both Chambers and Partners and the Legal 500. He is appointed to List A on the Unified List of Specialist Regulatory Advocates in Health and Safety and Environmental Law and is a Recorder of the Crown Court.

Barrister and ADR practitioner specialising in consumer and regulatory law with a specialist background in food law. Also commercial contract and land disputes. ADR Official (CEDR).

Daniel accepts instructions for advisory, drafting and court work in all of Chambers’ main practice areas. In particular Daniel is instructed by businesses to advise on all aspects of Financial Regulation and he represents a wide range of banks and financial institutions in disputes relating to the enforceability and the enforcement of credit and related agreements. Daniel has been involved with a number of securitisations and acquisitions and has experience of reviewing credit documentation. Daniel has particular specialism advising on legal issues affecting the motor industry. Additionally, Daniel has considerable experience of Regulatory defence and prosecution work and regularly appears in the Crown Court. Daniel is authorised to accept Direct Access instructions and will act on this basis for businesses and professionals.

Regulatory law (including regulatory crime), public law and associated areas including corporate governance and professional standards. Advises, negotiates and appears as an advocate for companies, organisations and individuals, as well as for Local Authorities and Regulatory Bodies. In regulatory crime he practices predominantly in health and safety (including fire safety), food law, trading standards, product liability (including product recalls) and environmental protection. In public law he practices predominantly in environment, planning and Local Government matters, particularly related to waste issues. David Travers QC also acts in disputes relating to the scope and exercise of statutory powers as well as issues concerning the governance of companies (including the role of good corporate governance in ensuring regulatory compliance) and the administration of Local Authorities.  He also acts for decision-makers susceptible of Judicial Review and those who are challenging the lawfulness of the exercise of discretion. He has particular experience in cases involving scientific and technical evidence. David also has extensive experience of professional conduct and disciplinary matters

Barrister specialising in financial services, consumer credit, consumer and regulatory law. James practises in all aspects of consumer and regulatory litigation, especially consumer credit, commercial litigation, mortgages, insolvency and regulatory crime. He acts for individuals, companies and prosecuting authorities, and has appeared as a sole advocate before a broad range of tribunals including magistrates’ and county courts, the Crown Court, the High Court and the Court of Appeal. He has appeared as a sole advocate in trials, summary judgment and strike-out applications, injunctions and appeal hearings. Details of recent work may be found at www.goughsq.co.uk

Barrister specialising in property litigation and general Chancery. Represents and advises both financial institutions and other parties in courts and tribunals concerning land transactions (especially mortgages and Land Registration Act claims), wills and succession disputes, pension schemes and professional negligence claims. She also undertakes cases concerning environmental protection, listed buildings and conservation areas and property-related rights under the European Convention on Human Rights.

Barrister specialising in banking, consumer credit, property, professional negligence and disciplinary; employment. Julian acts for individuals, companies and local authorities in all aspects of consumer and regulatory litigation and accepts public access instructions.

Barrister specialising in consumer and regulatory law, in particular financial services.

Laura Phillips (2009) is a specialist regulatory lawyer with a particular interest in food hygiene/food safety, consumer protection and health and safety law. She advises and acts for individuals, companies, local authorities and other regulatory authorities and the CPS across proceedings in the civil, criminal and appellate courts, and at tribunals, inquiries and inquests. She is an experienced trial advocate, mindful of the need to provide timely, practical and commercially sensitive advice. She acted for the successful appellant in R v Butt [2018] EWCA Crim 1617 which sets out the approach to be taken to sentencing in fire safety offences. She also acted as junior to David Travers QC representing the defendant company in a fatal food poisoning (London Borough of Havering v Mitchells and Butlers PLC, 2015) and to Stephen Hockman QC representing a company prosecuted in relation to a serious electrical injury on a construction site for an Olympic venue (Royal Borough of Kensington and Chelsea v Aggreko PLC, 2016).

Barrister specialising in financial services, consumer and regulatory law. Lee has specific experience advising and representing large institutions on compliance with consumer legislation, alleged product mis-selling, matters relating to the Consumer Credit Act 1974 and Financial Conduct Authority requirements.He is a author of and contributor to some of the leading works on consumer and financial services.

Specialist regulatory barrister with particular experience of Consumer and Trading Standards Law Consumer Finance Life Sciences Regulatory / Business Crime

Barrister specialising in financial services, general regulatory/consumer law and regulatory crime. Contributing editor to "The Encyclopedia of Financial Services Law" and "Consumer and Trading Standards: Law and Practice". Regular contributor to Gough Square Chambers’ monthly consumer credit column for PLC.

Barrister specialising in consumer credit, financial services, consumer and regulatory law.

Stephen Neville has specialised in Financial Services Law for over 25 years.He has provided the key regulatory compliance reviews for many of the largest acquisitions of CCA and FCA regulated portfolios and businesses over the last decade.The Legal 500 2018 Directory recommends him under Banking and Finance, and Financial Services, stating: “He has a brain the size of Mars, and is still extremely approachable and personable… One of the most user-friendly barristers in this area.” Clients Recent clients include: Lenders: HSBC, Sainsburys Bank, Handelsbanken, RBS, Manchester Building Society, Societe Generale, Virgin Money, Amigo Loans, GE Money, Lloyds, HBOS, Citigroup, MBNA, the Co-op, Northern Rock, Nationwide, Black Horse, Provident, Kensington Mortgages, ING, Lombard, Capital One, Southern Pacific, Capital Home Loans, Mortgages plc, Preferred Mortgages, Irish Life & Permanent, Ulster Bank, BNP Paribas, and Banco Bilbao. Private equity: Cinven, CVC Capital Partners, ICG, Blackstone, TPG Capital, Apax Partners, Patron Capital Partners, Teacher’s Private Capital  Retailers/Suppliers: Apple, Dell, Tesco, Prudential, Virgin Media, T-Mobile, Axa, Jordon, Marriott, Aviva, Moss Bros, Evans Cycles, Brighthouse, Volkswagen, Land Rover, Mitsubishi.  Debtor Acquirers: Lowell, 1st Credit, Arrow Global, Marlin.  Representative organisations: Credit Services Association, Finance and Leasing Association. Financial services Stephen advises banks and other finance providers on compliance with the FCA Handbook, the Consumer Credit Act 1974 (“CCA”) and the Financial Services and Markets Act 2000. He has drafted many hundreds of templates for loan and security documentation, covering a wide range of financial products, including fixed sum and running account loans, credit cards, first and second mortgages, guarantor and payday lending, timeshare, litigation finance, shared equity schemes, pawn, hire, conditional sale, employee share purchase, and deferred payment for goods or services. He has been a key adviser on CCA/FCA compliance of target companies in preparation for some of the largest acquisitions of regulated portfolios and businesses over the last decade. His compliance reviews typically encompass all client facing documentation, policies and processes, and correspondence with the regulators. Examples since 2014 are: – a £12billion portfolio of mortgages– a credit card issuer with 5 million customers and £1.6 billion of receivables– the UK’s largest guarantor lender.– a second charge lender, with total lending of £1.6billion– the UK’s largest judicial services/debt collection company– the financial services arm of a retail group acquired for £1.4 billion.– an acquirer/manager of £4billion non-performing FCA regulated bank debts– a £4billion portfolio of consumer loans.– a company with 14 million FCA regulated accounts in arrears.– a portfolio of £1billion of pre-2008 FCA regulated mortgages.He has also reviewed enforceability and compliance for a wide range of securitisations.  Supply contracts Stephen has drafted standard terms and conditions, and web pages, for many major retailers – including Apple, T-Mobile and Dell – and advises on, and litigates, disputes over contracts for the supply of goods or services. Also, he has made representations, on behalf of clients, to Ofcom, the Advertising Standards Authority, BIS, the Treasury, and the Financial Ombudsman.  Legal 500 Directory quotes “He has a brain the size of Mars and is still extremely approachable and personable.” “One of the most user-friendly barristers in this area.” – Legal 500 (Banking and Finance and Financial Services) 2018 “He has a thorough knowledge of consumer credit law, the market and commercial drivers.” – Legal 500 (Banking and Finance) 2017“He produces excellent technical work and has a dogged determination to get to the bottom of potential issues.” – Legal 500 (Banking and Finance) 2016“Has an encyclopaedic knowledge of the demanding field of consumer credit law” – Legal 500 2015  Publications He was co-author of “The Law of Consumer Credit and Hire” (Oxford University Press – published 2009) and the “Atkins Court Forms” volume on “Consumer Credit” published in 2008.

Stuart is a specialist regulatory and public law barrister. He is well-known for his expertise in consumer law, life sciences and food regulation, safety law, animal welfare, licensing, and environmental law. A substantial proportion of his practice involves the representation of and the giving of advice to, companies and their directors and regulators, in public law challenges by way of judicial review or statutory appeal within his main practice areas. He defends and prosecutes in respect of criminal regulatory proceedings as well as appearing in civil proceedings, often in the first-tier tribunal. Much of his work involves significant issues of law and or fact and, invariably, highly technical expert evidence and he often appears, alone or as leader, against other senior specialist junior counsel or King’s Counsel. He is ranked as a leading barrister by the legal directories in Consumer Law, Environmental and Licensing. Stuart is on List A of the Unified List of Special regulatory Advocates and has previously been instructed by the Health and Safety Executive, the Office for Rail and Road and the Information Commissioner.