Charlotte Eborall > Chambers of Ewan McQuater KC and David Quest KC > London, England > Barrister Profile
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Charlotte Eborall
Position
Barrister specialising in commercial litigation, including banking and finance (including consumer credit), financial services, professional negligence, fraud and insurance. Banking and finance (including consumer credit): Charlotte is regularly instructed on behalf of retail banks in relation to mis-selling claims of investment and insurance products (including payment protection insurance and interest rate hedging products) and other banking disputes concerning guarantees, consumer credit agreements and other secured and unsecured loan facilities. She advises regularly in relation to banking financial services and consumer credit regulation. Reported cases include: Claims Group Direct Ltd v Lloyds TSB Bank plc (t/a Welcome Financial Services) and ors (2009) (PPI claims; champerty; striking out); Anfield (UK) Ltd v Bank of Scotland plc and ors [2011] 1 WLR 2414 (Ch) (subrogation; lender’s charge; registration); Holdstock v Endeavour Personal Finance Ltd [2012] EWCA Civ 1781 (PPI; unfair relationship). Financial services: After two secondments to the Financial Services Authority; Charlotte has a depth of experience in regulatory work and, in particular, insurance business transfers. The type of regulatory work undertaken includes advising on: perimeter and passporting issues; the fit and proper person test; and compliance with the conduct of business handbook. Insurance business transfer decisions include: Royal Sun Alliance Insurance plc and ors and Europa General Insurance Company Ltd [2008] EWHC 3436 (Ch); Sompo Japan Insurance inc and Transfercom Ltd [2011] EWHC 260 (Ch); Direct Line Insurance plc and Churchill Insurance Co Ltd [2011] EWHC 1667 (Ch). Professional negligence: acting on behalf of lenders in mortgage fraud claims brought against a network of solicitors and valuers.
Career
Called 2004, Middle Temple. Publications of note: contributor to Financial Markets and Exchanges Law – (2nd Edition, November 2012) – Michael Blair QC, George Walker and Stuart Willey and to Paget’s Law of Banking (14th Edition, September 2014) – Ali Malek QC and John Odgers QC.
Languages
Conversational Spanish.
Memberships
COMBAR; FSLA.
Education
Nottingham High School for Girls; Downing College, Cambridge University (MA hons, Law, first).
Lawyer Rankings
London Bar > Consumer
(Leading Juniors)Ranked: Tier 3London Bar > Financial services regulation
(Leading Juniors)Ranked: Tier 1Charlotte Eborall –3 Verulam Buildings ‘Charlotte is extremely forensic with an excellent understanding of financial services. She produces excellent drafts, and is the perfect balance of intellect, pragmatism and client service.’
London Bar > Banking and finance (including consumer credit)
(Leading Juniors)Ranked: Tier 2Charlotte Eborall –3 Verulam Buildings ‘She is a superb barrister with a great mix of analytical skills whilst also client friendly. Her drafting is thorough, precise and persuasive. She is a fine advocate. An understated, collected but effective style which plays well with the Judiciary.’