Ruth Bala Email & Phone Number

I am a member of 4 Pump Court Chambers. I have built up a specialist practice in regulated lending, retail banking and financial services litigation and advisory work. I am ranked by Chambers & Partners in Tier 1 for Consumer Finance and by Legal 500 in Tier 2 for Banking & Finance and Financial Services. I was shortlisted by Legal 500 for 'Financial Services and Insurance Junior of the Year' 2022.I have represented banks and finance institutions in a number of the leading cases in the area. I was lead counsel for the creditor in Kerrigan & 11 ors v Elevate Credit International Limited (t/a Sunny) (in administration) [2020] EWHC 2169 (Comm), the payday lending test case litigation on the relationship between the FCA's Handbook rules and the 'unfair relationship' provisions. I also mounted a successful defence of undisclosed PPI commission in the seminal case of 'Harrison v Black Horse Ltd' [2012] Lloyd’s Rep I.R. 521, subsequently overruled by the Supreme Court in Plevin v Paragon Personal Finance Limited [2014] 1 W.L.R. 4222, and appeared in Conlon v Black Horse Ltd (settled three days before the hearing in the Supreme Court). I give corporate entities in-depth advice on financial regulatory compliance. I am an expert on the detailed rules governing regulated activities in the FCA Handbook. Chambers and Partners: "She is fantastic on her feet and crisp in her delivery". “Great with clients, quick-thinking and, frankly, a joy to work with.” “In court she is a force to be reckoned with" "Ruth is a genuine expert in her field; a forceful advocate and incredibly bright"Legal 500: “Her advocacy is persuasive, powerful and pertinent, she is an absolute pleasure to work with and her hard work and commitment are outstanding.” "A standout barrister with a personable demeanour." "A recognised leader in her field."Please see my chambers' website profile for further details:https://www.4pumpcourt.com/barrister/ruth-bala/

Listed skills include Courts, Litigation, Civil Litigation, Commercial Litigation, and 6 others.