William Hibbert > Chambers of Charles Gibson QC > London, England > Lawyer Profile

Chambers of Charles Gibson QC
Henderson Chambers


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..


Called 1979.


London Common Law and Commercial Bar Association; Food Law Group; .Affiliate member  of the Chartered Trading Standards Institute


Charterhouse, Worcester College, Oxford.

Lawyer Rankings

London Bar > Financial services regulation

(Leading Juniors) Ranked: Tier 2

William HibbertHenderson ChambersCommercial, practical, and very user friendly.

Henderson Chambers is ‘an excellent set for financial services regulatory matters‘ with a selection of ‘highly recommended‘ silks and juniors. There is a strong overlap with its market-leading work on the consumer credit end, and its members are regularly instructed by the major retail banks, financial services companies, and fintech providers. The set offers a wide range of expertise on contentious and non-contentious matters, where senior silks and juniors such as Richard Mawrey QC, William Hibbert and Julia Smith have long held sway. Other names of note include up-and-coming silks Toby Riley-Smith QC and Henry Warwick QC, who took silk in 2020, and Nazeer Chowdhury.

London Bar > Banking and finance (including consumer credit)

(Leading Juniors) Ranked: Tier 2

William HibbertHenderson ChambersAn excellent, top-notch consumer finance barrister.

Henderson Chambers is ‘at the forefront of consumer credit‘ and praised for its ‘strength-in-depth and availability‘. Its silks and juniors are ‘always very personable‘ and clients are ‘grateful for the commercial acumen they bring‘. The set is a popular with the major banks and several challenger banks, and members such as Richard Mawrey QC, Julia Smith and William Hibbert are very active on the advisory front. Notable case highlights included Toby Riley-Smith QC‘s advice to Intrum UK Finance on Intrum Finance v BaldwinHenry Warwick QC, who recently took silk, was also involved in Praetura Asset Finance v Prime Industries.

London Bar > Consumer

(Leading Juniors) Ranked: Tier 1

William HibbertHenderson ChambersImpresses for his ability to quickly get to the crux of the issue and for the detail of his work.