Ruth Bala > Chambers of Kevin de Haan QC and Jonathan Goulding > London, England > Lawyer Profile

Chambers of Kevin de Haan QC and Jonathan Goulding
Gough Square Chambers


Ruth has built up a specialist practice in regulated lending, retail banking and financial services. 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), the payday lending test case litigation on the relationship between the FCA’s Handbook rules and the ‘unfair relationship’ provisions. She also mounted a successful defence of undisclosed PPI commission in the seminal case of Harrison v Black Horse Ltd [2011] Lloyd’s Rep I.R. 455, 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 [2012] GCCR 11423 (settled three days before the hearing in the Supreme Court). Ruth gives corporate entities in-depth advice on debt portfolio acquisitions and 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.


Called 2006, Lincoln’s Inn.


Oriel College, Oxford University (Classics (Greats)); Lord Denning Scholarship, Lord Brougham Scholarship and Hardwicke Award.

Lawyer Rankings

London Bar > Banking and finance (including consumer credit)

(Leading Juniors) Ranked: Tier 2

Ruth BalaGough Square ChambersRuth’s knowledge of consumer credit and banking and finance regulation more broadly is vast and her appetite to review all recent case law and other relevant decisions means she is a true expert in this field.

Gough Square Chambers is ‘excellent for any consumer credit or mortgage regulatory advice‘ and clients appreciate its ‘perfect balance of seniors and juniors‘. Clients also credit ‘a real sense of team in chambers‘, and the fact that more senior members such as Fred Philpotthas helped pass the baton to junior members where appropriate‘. Notable case highlights include Kerrigan & Ors v Elevate Credit, in which Ruth Bala acted for the defendant, and Milne v Open Access Finance Ltd where Iain MacDonald also represented the defendant. Thomas Samuels also achieved a successful result for the defendant in Promontoria (Henrico) Ltd v Samra.

London Bar > Financial services regulation

(Leading Juniors) Ranked: Tier 2

Ruth BalaGough Square ChambersHer advocacy is persuasive, powerful and pertinent, she is an absolute pleasure to work with and her hard work and commitment are outstanding.