Talk from the TSI conference in Edinburgh

Gough Square again take a Stand at TSI conference in Edinburgh 15th - 17th June - Geraint Howells gives a talk on the Reform of Consumer Contract Law. View PowerPoint presentation.

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Members of Chambers

Ruth Bala

Called Lincoln's Inn (2006)
Lord Denning Scholarship, Lord Brougham Scholarship and Hardwicke Award
Classics (Greats) at Oriel College, Oxford University
Law conversion course (CPE) at City University
Masters in Law (LLM) at University College London
ruth.bala@goughsq.co.uk

Ruth practises in all areas of consumer and regulatory law.

She regularly represents banks and other financial institutions in courts all over the country on a broad range of consumer credit matters, including enforceability disputes, alleged mis-selling of Payment Protection Insurance, payment of ‘secret commissions’, provision of copy documents, compliance with drafting requirements, ‘extortionate credit bargains’ and the ‘unfair relationships’ test. Ruth also undertakes drafting and advisory work in these areas.

Ruth regularly appears in court in mortgagee possession and appeal proceedings, sale and supply of goods disputes, contractual disputes, claims for debt and insolvency proceedings.

Ruth has experience in other regulatory matters, both civil and criminal. During her pupillage she worked as a Trading Law Specialist at Asda and advised on the legality of comparative advertising. She also completed an internship at the Office of Fair Trading, which involved advising on the application of the Unfair Terms in Consumer Contracts Regulations 1999, the Enterprise Act 2002 and the Consumer Protection from Unfair Trading Regulations 2008. She has represented local authorities in a variety of regulatory trials.

Publications: contributor to ‘Advertising Law and Regulation’, ed G. Crown, 2nd edn, Bloomsbury Professional (2010)

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