January’s PLC Column: Categorise Your Mortgage

In January’s PLC regulated lending column, Ruth Bala explains how to categorise your mortgage, in order to identify the applicable regulatory regime. The column may be read here.

‘They are the leaders in relation to consumer finance’

-Legal 500, 2022

‘Not sure there are any better sets for consumer and consumer credit work’

-Legal 500, 2022

‘Gough Square Chambers is the best set for consumer law. Every barrister is a genuine expert in the field. They offer an unrivalled strength in depth in this area.‘

-Legal 500, 2022

‘Have long been one of the strongest sets on the consumer law front and thoroughly deserving of their reputation. Their slightly traditional approach is actually a strength.‘

-Legal 500, 2022

‘A clear leader in the area of financial services.’

-Legal 500, 2022

‘Undoubtedly the best set for consumer work.’

-Legal 500, 2022

“The leader in its field,” Gough Square Chambers is the definitive consumer law set. The chambers continues to be described by interviewees as “operating at the top of its game.” Renowned for consumer credit expertise, Gough Square is home to a deep bench of expert counsel who handle a diverse range of work for clients.”

-Chambers & Partners, 2020

Market leaders Gough Square are frequently described as a “go-to” set. In consumer law they will always be the chambers you turn to. Well known for having a deep bench of barristers. They provide a first-class service even when under significant pressure.

-Chambers & Partners, 2019

Gough Square Chambers has ‘a strong reputation for banking disputes with a regulatory focus – clients do not need to be persuaded to instruct counsel from this set’. The ‘dominant’ set for consumer, food, and trading standards matters. Square Chambers offers ‘deep knowledge across the set as a whole’ and fields a selection of ‘hugely experienced barristers who have seen it all’.

-Legal 500, 2020

Without doubt, the leading set for consumer law matters with eminent QCs, heavy-hitting mid to senior juniors and some brilliant rising stars.

-Legal 500, 2017

Consumer law is the lifeblood of this set. Its barristers are instructed on behalf of entities of every kind and are regularly involved in the most important cases of the day. The foremost chambers for consumer credit.

-Chambers & Partners, 2017

Gough Square Chambers ‘remains the go-to set for all consumer law instructions’ (including consumer credit), and solicitors ‘would not go elsewhere for this type of work’. The set is best known for its ‘unrivalled experience and expertise in consumer credit’.

-Legal 500, 2016

Gough Square Chambers is a set steeped in consumer law that has a long history of acting in the field. It houses an enviable bench of barristers who are experienced in the full spectrum of consumer matters, and who have particular expertise in consumer credit matters.

-Chambers & Partners, 2016

“Gough Square Chambers dominates in terms of its breadth of practice, strength in depth and leading caseload; ‘solicitors can do no better’ for ‘genuine strength and specialism in consumer law’.”

-Legal 500, 2015

“The number of bodies it can throw at the sector is unmatched by any other set, and its capabilities at the junior end are there for all to see. Solicitors view it as a top pick: ‘This chambers is at the very top of its game’.”

-Chambers & Partners, 2015

“The set has a long history of commitment to consumer law. A true pioneer in the field, it has been involved longer than any other set, and enjoys a very strong reputation.”

-Chambers & Partners, 2015