Department profile
Henderson Chambers

Consumer Finance

UK Bar Guide 2026 : All Circuits


Henderson Chambers

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Chambers Review

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Consumer Finance - All Circuits

Spotlight

Spotlight


What the Team is Known For

Henderson Chambers houses an impressive bench of barristers proficient in contentious and non-contentious consumer finance issues. Members of the set represent a range of clients across the sector (including banks, insurance companies, foreign and domestic corporations, government bodies, local authorities, NGOs, professional bodies and private individuals) and have particular experience of cases relating to the Consumer Credit Act 1974 and the Consumer Rights Act 2015. One interviewee commentated that "the set has a number of barristers who specialise in the area, who have remarkable knowledge and experience.” Members recently acted for Eternity Sky v Zhang, a case concerning the infringement of rights under the Consumer Rights Act 2015. They also appeared in Johnson v FirstRand Bank Ltd, a Supreme Court case involving commission payments in motor finance agreements.

Jason Housden is the senior clerk.

Strengths

Provided by Chambers

  • They have a first-rate clerking team that is supportive of solicitors and clients demands.

    Consumer Finance respondentUK Bar
  • Practice Manager Joanna Johnstone is a gift to the clerking world and an asset for Henderson Chambers.

    Consumer Finance respondentUK Bar

Notable Practitioners

Provided by Chambers

  • Band 1Anna Medvinskaia
    Band 1Anna Medvinskaia

    Anna Medvinskaia

    Anna Medvinskaia is a well-respected junior whose consumer finance practice involves representing financial institutions in mis-selling and consumer credit cases.

    • One of the leading consumer finance barristers, Anna is a trusted adviser and great team player whose client manner is impeccable.

      Consumer Finance respondentUK Bar
    • Her written work is first rate, and she is very detail-oriented.

      Consumer Finance respondentUK Bar
    • Anna is quick to understand the facts of a case, identify the key details and condense those into concise written and oral submissions.

      Consumer Finance respondentUK Bar
  • Band 1Julia Smith
    Band 1Julia Smith

    Julia Smith

    Julia Smith is an expert in consumer finance who regularly advises on unfair terms and consumer credit matters.

    • Julia has a very detailed understanding of case law and the statutory framework. She is a good advocate with a crisp and clear style, who is adept at conveying salient points to the courts.

      Consumer Finance respondentUK Bar
    • Julia Smith is a go-to barrister for technical legal advice. She is pragmatic, straightforward and someone whose advice is exceptionally good.

      Consumer Finance respondentUK Bar
    • Julia is exceptionally strong in what is a niche and complex area and is very fast to turn round work.

      Consumer Finance respondentUK Bar
  • Band 1Thomas Samuels
    Band 1Thomas Samuels

    Thomas Samuels

    Thomas Samuels is an experienced junior who regularly advises on consumer finance cases. He has experience of appearing in the Supreme Court and is the lead author of "Consumer Credit Law and Regulation", a textbook on the Consumer Credit Act 1974.

    • A very talented barrister and a gifted advocate who adopts a great technical approach to his cases.

      Consumer Finance respondentUK Bar
  • Band 1Toby Riley-Smith
    Band 1Toby Riley-Smith

    Toby Riley-Smith

    Toby Riley-Smith KC is a well-regarded silk who is an expert in consumer finance. He is the standing counsel to the Competition and Markets Authority.

    • Toby is very bright and involved in many of the biggest cases.

      Consumer Finance respondentUK Bar
    • Superb with clients, he has great empathy and an ability to speak to anyone in very human terms. He has a happy knack of conveying to the court the fact that he is totally trustworthy.

      Consumer Finance respondentUK Bar
  • Band 1William Hibbert
    Band 1William Hibbert

    William Hibbert

    William Hibbert is a specialist in financial law with particular expertise in consumer credit and consumer protection regulations.

    • William is a formidable advocate who is hugely experienced in financial services regulatory matters.

      Consumer Finance respondentUK Bar
    • A long-standing expert in the field and very good at developing new arguments.

      Consumer Finance respondentUK Bar
  • Band 2George Mallet
    Band 2George Mallet

    George Mallet

    George Mallet is recognised for his extensive experience of representing a myriad of clients across a range of consumer finance issues. In particular, he specialises in secret commission and motor finance cases.

    • George is a very strong advocate who gives plain and easy-to-understand advice.

      Consumer Finance respondentUK Bar
  • Band 2Henry Warwick
    Band 2Henry Warwick

    Henry Warwick

    Henry Warwick KC is a skilled barrister with a solid financial practice. He regularly acts in high-stakes consumer finance litigation matters involving complex consumer credit issues and group litigation.

    • He is an excellent barrister who is very responsive and someone who provides clear guidance.

      Consumer Finance respondentUK Bar
  • Band 2Richard Mawrey
    Band 2Richard Mawrey

    Richard Mawrey

    Richard Mawrey KC is an extremely experienced silk who advises major banks and financial institutions on consumer credit and FCA regulation.

    • He is a great barrister for tricky regulatory positions who provides sound, pragmatic advice. His written opinions are always illuminating and engaging.

      Consumer Finance respondentUK Bar
  • Band 3Lia Moses
    Band 3Lia Moses

    Lia Moses

    Lia Moses is developing a well-regarded consumer finance practice. She often acts for lenders in relation to consumer credit claims and FCA Handbook regulations.

    • Lia's advice and drafting is high-quality, clear and concise.

      Consumer Finance respondentUK Bar
    • Lia is very smart and able to superbly get on top of hugely technical issues.

      Consumer Finance respondentUK Bar
  • Band 3Nazeer A Chowdhury
    Band 3Nazeer A Chowdhury

    Nazeer A Chowdhury

    Nazeer Chowdhury regularly advises banks and financial institutions on consumer credit regulation. He really knows his stuff and is very approachable.

    • An exceptional barrister whose breadth and depth of knowledge are unsurpassed. The quality of his written work is remarkable.

      Consumer Finance respondentUK Bar

Ranked Barristers at Henderson Chambers (10)

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