Henderson Chambers

Julia Smith

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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.


Called 1988.

Professional Memberships

London Common Law and Commercial Bar Association.


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).


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