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 Bala photo


Ruth has built up a specialist practice in regulated lending, retail banking and financial services. She has successfully represented finance institutions in a number of the leading appellate cases on ‘PPI mis-selling’. She is regularly instructed in litigation involving enforceability disputes, mis-selling of insurance and investments, payment of ‘secret commissions’ to brokers, ‘unfair relationships’ and irresponsible lending. Ruth has a significant advisory practice, covering compliance with the FCA’s Handbook, drafting requirements for the purposes of securitisations or acquisitions and FCA authorisation and the provision of redress under DISP. 


Called 2006, Lincoln’s Inn.


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

Lawyer Rankings

London Bar > Financial services regulation

Within: Leading Juniors -

Ruth Bala

Gough Square Chambers

Her control of the law and facts means she calmly holds her own against overbearing opponents.

London Bar > Banking and finance (including consumer credit)

Within: Leading Juniors -

Ruth Bala

Gough Square Chambers

Has a great knack for translating hugely complex material and law into advice clients understand and act upon.

Gough Square Chambers offers ‘deep knowledge across the set as a whole‘ and is ‘excellent in consumer finance affairs‘, according to sources, who note how chambers fields a selection of ‘hugely experienced barristers who have seen it all‘. The set’s members, including Fred Philpott and Ruth Bala, have been involved in the defence of several significant group actions, including payday lender claims. In Various v Shawbrook Bank Ltd, a case which concerns the mis-selling of solar panel systems, Iain Macdonald and Thomas Samuels are among four members representing the defendants.