JUNIOR PROFILE

Charlotte Eborall

UK Bar 2026

3 Verulam Buildings

Ranked in 4 practice areas

Banking & Finance

London (Bar)

9 years ranked

Consumer Finance

All Circuits

3 years ranked

Financial Services

London (Bar)

14 years ranked

Commercial Dispute Resolution

London (Bar)

1 year ranked

About

Provided by 3 Verulam Buildings

Practice Areas

Charlotte has a wide-ranging commercial practice encompassing all aspects of complex commercial disputes, with particular specialisms in banking and financial disputes, financial services regulation and law, consumer credit regulation, professional negligence (including fraud) and insurance. Her recent reported cases include: Mortgage Express plc v Countrywide Surveyors Limited [2016] EWHC 224 (Ch) (fraud claim against valuer) and [2016] PNLR 35 (ability to recover compound interest as damages); Townson v FCE Bank plc (t/a Ford Credit) [2016] ECC 30 (unfair relationship claim, whether ‘on behalf of’ the creditor and whether a linked transaction); RBS v McCarthy [2015] EWHC 3626 (inducing breach of contract claim); and HSBC Life (UK) Ltd, In the Matter of Reassure Ltd [2015] EWHC 2664 (Ch) (Part VII business transfer involving a pensions business). Other instructions include: acting on behalf of retail banks in interest rate hedging product mis-selling claims, including allegations of LIBOR, Suremime claims, and limitation issues; advising clients on regulatory perimeter issues including contracts of insurance, collective investment schemes, and regulated mortgage contracts; advising in relation to Part VII ring-fencing transfer schemes; acting in a professional negligence claim against accountants; and advising in a trust dispute.

Career

Called to the Bar in 2004.

Professional Memberships

Middle Temple, COMBAR, FSLA, Bar Pro Bono Unit.

Publications

(2nd Edition).

Personal

Nottingham High School for Girls; Downing College, Cambridge.

Chambers Review

Provided by Chambers

UK Bar

Banking & Finance - London (Bar)

Band 1

Individual Editorial

Charlotte Eborall boasts a proficient practice handling matters for a wide range of retail banks and has experience in cases concerning contract breaches, swaps disputes and fraudulent misrepresentations, to name but a few areas. She regularly acts in high-profile cases and has particular expertise in the consumer law and financial regulation spheres.

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Consumer Finance - All Circuits

Band 1

Individual Editorial

Charlotte Eborall is a highly regarded junior who regularly advises on FCA compliance and the Consumer Credit Act. She frequently counsels, and acts on behalf of, banks and insurers in consumer law matters.

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Financial Services - London (Bar)

Band 2

Individual Editorial

Charlotte Eborall brings cutting-edge insight into the workings of the FCA, thanks in part to her time on secondment there. She has a good knowledge of Part VII transfers, as well as the regulatory space between consumer credit and financial services more generally. She represents both regulators and regulated companies.

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Strengths

Provided by Chambers

Charlotte is a strong, clear and concise advocate.
Banking & FinanceUK Bar
Charlotte is both passionate and persuasive. Her strong presence in court, combined with her meticulous preparation and deep legal knowledge, makes her a formidable opponent.
Banking & FinanceUK Bar
I was impressed with her advocacy and her written work and drafting are very good.
Banking & FinanceUK Bar
Charlotte is very talented and highly knowledgeable. Her written work is fantastic and her demeanour in court impressive.
Consumer FinanceUK Bar
Charlotte's advice is first class and intellectually rigorous. She is an experienced, highly effective and appealing advocate.
Consumer FinanceUK Bar
She is smart and very detailed in her approach.
Consumer FinanceUK Bar