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Kate Urell

Kate acts in a wide range of credit and non-credit related regulatory matters including contentious and non-contentious advisory work.

In particular, Kate is experienced in consumer credit litigation. She has successfully represented most major banks and financial institutions in numerous Court actions on all aspects of consumer credit litigation, in particular frequently defending enforceability and payment protection insurance mis-selling trials on their behalf. Kate is also experienced in unfair terms, harassment of debtors, credit referencing errors and drafting representations to the OFT on consumer credit licensing issues.  Her non-contentious practice includes the drafting and reviewing of agreements and other consumer credit documentation, including due diligence for securitisations.

Kate has advised on the implementation of the Consumer Credit Directive, the Consumer Rights Directive and the Green Deal.

Her non-credit practice includes advising on trading laws, product compliance, advertising issues and enforcement action under the Enterprise Act. Kate has also been instructed by a number of multinational organisations in the area of food labelling.

  • Burrell & ors v Helical (Bramshott Place) Ltd [2015] EWHC 3727 (Ch): Kate, led by Ian Mill QC, successfully acted for the defendant in a case where the High Court considered the test to be applied in determining whether an agreement provides for credit;
  • Grace & George v Black Horse Ltd [2014] EWCA Civ 1413: Kate represented Black Horse in the Court of Appeal on the questions of limitation and causation of a claim for compensation for inaccurate credit referencing under s.13 of the Data Protection Act and the nature of a court order for repossession of protected goods under s.90 of the Consumer Credit Act;
  • Brandon v American Express Services Europe Ltd [2011] EWCA Civ 1187: Kate, led by Fred Philpott, acted for American Express on the question of the termination of consumer credit agreements and the validity of default notices in a consumer credit context where there is an error in the notice;
  • Lloyds Bank v Mitchell 13 September 2009 (Leeds County Court) HHJ Langan QC: Kate represented Lloyds against David Berkley QC on the question of reconstituting credit agreements and the statement of the interest rate in a regulated credit agreement;
  • Kilhey Court Hotels Limited v Wigan M.B.C. (2005) 169 JP 1: Kate, led by Jonathan Goulding, acted for the hotel group before the Administrative Court on the issue of when a due diligence notice is required to be served under section 21(5) Food Safety Act 1990 and the Court’s power to substitute its own findings for one of the Court below without needing to remit.

“She is always on point and responsive. You go to her for precision.” “She is able to get to grips with complex issues at great speed, has an impressive attention to detail, and a court manner that is always well received by the judges.”  Chambers & Partners 2017

“She has a forensic attention to detail and an excellent court manner.” Legal 500 2016 (consumer) ‘Excellent and really growing into her practice.’ Legal 500 2016 (Banking)

“She has real expertise in consumer law and extraordinary attention to detail.” “She has absolutely excellent technical knowledge of the Consumer Credit Act and associated legislation allied to true commercial acumen.” Chambers & Partners 2016

“Fantastic attention to detail and tremendous expertise in finance and consumer legislation.” Legal 500 2015 (banking) “Very diligent, good with clients and thoroughly well prepared for trial” Legal 500 2015 (consumer)

“She’s very cool and very clever … All the judges like her and respond to her. She gets fantastic results.” Chambers and Partners 2015

“She has full awareness of the commercial realities … Superb in consumer credit and regulatory matters” Legal 500 2014

“Sources highlight the quality of her written work, as well as her approachable manner.  ‘Very smart and very thorough, she is knowledgeable and gets to the heart of issues.’ ‘Her paperwork is fantastic.” Chambers and Partners 2014

“Someone you would always want on your side” Legal 500 2013

“Hands on and very practical, she is excellent at keeping her clients well informed” Chambers and Partners 2013

  • Contributor to Atkins Court Forms on Consumer Protection
  • Author of the food and drink and medicines chapters in ‘Advertising Law and Regulation’, ed G. Crown, 2nd edn, Bloomsbury Professional (2010)
  • Languages: French
  • Socrates scholar: Université de Montpellier I, France 1999-2000, Diploma in French Law.

Kate is authorised to accept Direct Access instructions and will act on this basis for businesses and professionals.

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VAT number: 848662875