William Hibbert > Chambers of Charles Gibson KC > London, England > Barrister Profile
Henderson Chambers Offices
Henderson Chambers
2 HARCOURT BUILDINGS, TEMPLE
LONDON
EC4Y 9DB
England
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William Hibbert
Position
Specialist in commercial aspects of consumer-facing finance and financial services (including consumer credit, mortgages and banking) and consumer protection law (including unfair contract terms, unfair commercial practices, advertising, package holidays and timeshare). Also food law, food labelling, cosmetics and medicines.
Reported cases include:
Popely v Scott (2001) 165 JP 742 – reliance on legal advice as due diligence;
Director General of Fair Trading v First National Bank plc [2002] 1 AC 481 – analysis of Unfair Terms in Consumer Contracts Regulations;
Wilson v First County Trust Ltd (No 2) [2002] QB 74 (CA), [2004] 1 AC 816 (HL) – whether irredeemable unenforceability under Consumer Credit Act compatible with Human Rights Act;
Uren v First National Home Finance Ltd [2005] EWHC 2529 (Ch) (Times 17th November 2005) – no free-standing claim of “unjust enrichment”;
Goshawk Dedicated (No 2) Ltd v Governor and Company of the Bank of Scotland [2006] 2 AER 610 – wording of prescribed notices of cancellation rights under Consumer Credit Act;
Office of Fair Trading v Lloyds TSB Bank Ltd [2005] 1 AER 843 (QBD Comm), [2006] 2 AER 821 (CA), [2008] 1 AC 318 (HL) – lender’s liability under s.75 Consumer Credit Act for credit card transactions financing foreign transactions;
Conister Trust Ltd v John Hardman & Co [2009] CCLR 4 and Sutherland Professional Funding Ltd v Bakewells [2014] CTLC 1- solicitor’s liability for client’s litigation funding agreement that was unenforceable under the Consumer Credit Act;
Meah v GE Money Home Finance Ltd [2013] 1 P&CR DG 18 – mortgagee’s liability in respect of valuation of repossessed property;
RTA (Business Consultants) Ltd v Bracewell [2015] Bus LR 800 – sole trader selling his business not a “consumer”, but sale agent’s contract void for illegality because of non-compliance with money laundering regulations;
Warwickshire CC v Halfords Autocentres Ltd [2019] 1 W.L.R. 3597 – Trading Standards Officer’s test purchase can establish unfair commercial practice in relation to supplies to consumers..
Career
Called 1979.
Memberships
London Common Law and Commercial Bar Association; Food Law Group. Affiliate member of the Chartered Trading Standards Institute
Education
Charterhouse, Worcester College, Oxford.
Lawyer Rankings
London Bar > Banking and finance (including consumer credit)
(Leading Juniors)Ranked: Tier 2William Hibbert – Henderson Chambers ‘Excellent analysis and advice on consumer credit act matters, particularly in relation to exemptions permitted under the financial services and markets act and related regulations.’
Henderson Chambers’ experience in banking and finance law includes advising and representing clients such as banks on a wide range of instructions, from advising and litigating on consumer credit and consumer protection, to advising on matters governed by the regulatory regime of FSMA and the FCA. Julia Smith specialises in consumer finance and has been involved in reviewing and drafting regulated agreement documentation and exempt bridging loan documentation. William Hibbert‘s expertise in consumer credit and consumer-facing financial services includes regulated credit and secured borrowing, while Harrison Denner represented HSBC UK Bank plc in Holloway v HSBC UK Bank Plc, which involved a claim made by the defendant alleging mis-sale of the PPI policy and an unfair relationship.
London Bar > Financial services and fintech regulation
(Leading Juniors)Ranked: Tier 2William Hibbert –Henderson Chambers ‘Simply one of the best: thorough, knowledgeable, concise, and one of the best barristers out there in his field.’
Henderson Chambers’ members have increasingly been called upon to advise on the FCA and FSMA regulatory regime, while also advising on financial products regulated by consumer credit legislation and unfair business to consumer practices. Toby Riley-Smith KC, who is ‘particularly gifted in explaining complex legal matters in a logical and simple manner’, offers a wealth of experience in litigation involving consumer credit and hire agreements. Thomas Samuels is frequently instructed to provide non-contentious regulatory advice, while William Hibbert is particularly well regarded for his expertise in consumer credit and consumer-facing financial services, such as regulated credit and secured borrowing.