Julia Smith

Ranked in 2 Practice Areas

Band 1

Consumer Law

London (Bar)

29 Years Ranked

Band 1

Consumer Finance

All Circuits

2 Years Ranked

About

Provided by Julia Smith

UK Bar

Practice Areas

Consumer law, banking and finance, including consumer credit, mortgages, sale and supply of goods, unfair contract terms and unfair commercial practices. Cases include OFT v Ashbourne Management Services Ltd [2011] All E R (D) 276 (May) (unfair terms, unfair commercial practices, and whether credit provided under minimum term contracts with monthly payments); Adris v Royal Bank of Scotland plc (2010) 160 NLJ (non-party costs orders); Carey v HSBC Bank plc, Times 25 January 2010 (unfair relationships and burden of proving improper execution); McGuffick v Royal Bank of Scotland plc [2010] 1 All E R 634 (whether reporting to credit reference agencies enforcement); and Royal Bank of Scotland plc v Etridge (No.2) [2001] UKHL 44, [2002] 2 AC 773 (undue influence and extent of solicitor’s duty when advising third party provider of security). Clients include banks, regulators, leasing companies and retailers.

Career

Called 1988.

Professional Memberships

London Common Law and Commercial Bar Association.

Publications

Atkin's Court Forms on Consumer Credit (Lexis Nexis 2012); The Law of Consumer Credit and Hire (OUP 2009); Consumer Credit Act 2006, A Guide to the New Law (Law Society Publishing 2006).

Personal

Educated at Cheltenham Ladies' College and the University of Liverpool.

Chambers Review

Provided by Chambers

UK-Bar

Consumer Finance - All Circuits

Band 1

Individual Editorial

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

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Consumer Law - London (Bar)

Band 1

Individual Editorial

Julia Smith brings comprehensive experience in financial and retail sector cases to bear and is able to advise her clients on a broad spectrum of issues. She regularly handles cases concerning the Consumer Credit Act 1974, the Package Travel, Package Holidays and Package Tours Regulations 1992 and the Unfair Terms in Consumer Contracts Regulations 1999, amongst others.

Work Highlights

Thorough, pragmatic and excellent value for money.

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Strengths

Provided by Chambers

Thorough, pragmatic and exceptional value for money. She is the preferred option if you have a case with very technical, niche issues.

Consumer Finance respondent
UK-Bar

Julia Smith's submissions are impressive and rigorous.

Consumer Finance respondent
UK-Bar

Julia Smith is great at identifying the practical ramifications involved in any case.

Consumer Law respondent
UK-Bar

Thorough, pragmatic and exceptional value for money. She is the preferred option if you have a case with very technical, niche issues.

Consumer Finance respondent
UK-Bar

Julia Smith's submissions are impressive and rigorous.

Consumer Finance respondent
UK-Bar

Julia Smith is great at identifying the practical ramifications involved in any case.

Consumer Law respondent
UK-Bar

Filter by

Silks (KC)

All Circuits

Consumer Finance

Toby Riley-Smith KC

Band 1

Julia Smith

UK Bar Guide 2025

Consumer Law + 1 more ranking

About

Practice Areas

Career

Professional Memberships

Publications

Personal

Chambers Review

UK-Bar

Consumer Finance - All Circuits

Individual Editorial

Consumer Law - London (Bar)

Individual Editorial

Work Highlights

Strengths

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Silks (KC)

All Circuits

London (Bar)

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