Instruct Ruth
To instruct Ruth please contact our clerks on +44 (0)20 7842 5555 or email [email protected].
Ruth specialises in retail banking, regulated lending and financial services.
Ruth is ranked in the ‘Chambers & Partners’ directory in Tier 1 for Consumer law (including consumer credit) and in the ‘Legal 500’ directory in Tier 2 of both the Banking & Finance and Financial Services sections. She was shortlisted by Legal 500 for ‘Financial Services and Insurance Junior of the Year’ 2022.
Ruth has represented banks and finance institutions in a number of the leading cases in the area. She was lead counsel for the creditor in Kerrigan & 11 ors v Elevate Credit International Limited (t/a Sunny) (in administration) [2020] EWHC 2169 (Comm); [2020] C.T.L.C. 161, the payday lending test case litigation on the relationship between the FCA’s Handbook rules and the ‘unfair relationship’ provisions.
Ruth also mounted a successful defence of undisclosed PPI commission in the seminal case of Harrison v Black Horse Ltd (see below), 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 (see below, settled three days before the hearing in the Supreme Court).
Ruth gives corporate entities in-depth advice on financial regulatory compliance. She is an expert on the detailed rules governing regulated activities in the FCA Handbook, including the CONC, MCOB, ICOBS and DISP modules.
Ruth is a Director of the Bar Mutual Indemnity Fund Ltd, the professional indemnity insurer for the Bar. She also sits on the Regulatory Panel of Lincoln’s Inn.
Ruth has represented banks and finance institutions in a number of the leading cases in the area.
Freedman J has handed down judgment in Nash v Volkswagen Financial Services (UK) Ltd [2023] EWHC 2326 (KB). Ruth Bala...
We are delighted to announce that Ruth Bala has joined 4 Pump Court. Ruth has a stellar specialist practice in banking,...
To instruct Ruth please contact our clerks on +44 (0)20 7842 5524 or email [email protected].
For help and advice talk to a member of our clerking team. They can advise on the best options for your matter.
Call: +44 (0) 20 7842 5555