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Band 1
Band 1
About
Provided by Julia Smith
Practice Areas
Consumer law, banking and finance, including consumer credit, mortgages, sale and supply of goods, unfair contract terms and unfair commercial practices. Cases include OFT v Ashbourne Management Services Ltd [2011] All E R (D) 276 (May) (unfair terms, unfair commercial practices, and whether credit provided under minimum term contracts with monthly payments); Adris v Royal Bank of Scotland plc (2010) 160 NLJ (non-party costs orders); Carey v HSBC Bank plc, Times 25 January 2010 (unfair relationships and burden of proving improper execution); McGuffick v Royal Bank of Scotland plc [2010] 1 All E R 634 (whether reporting to credit reference agencies enforcement); and Royal Bank of Scotland plc v Etridge (No.2) [2001] UKHL 44, [2002] 2 AC 773 (undue influence and extent of solicitor’s duty when advising third party provider of security). Clients include banks, regulators, leasing companies and retailers.
Career
Called 1988.
Professional Memberships
London Common Law and Commercial Bar Association.
Publications
Atkin's Court Forms on Consumer Credit (Lexis Nexis 2012); The Law of Consumer Credit and Hire (OUP 2009); Consumer Credit Act 2006, A Guide to the New Law (Law Society Publishing 2006).
Personal
Educated at Cheltenham Ladies' College and the University of Liverpool.
Chambers Review
UK Bar
Julia Smith brings comprehensive experience in financial and retail sector cases to bear and is able to advise her clients on a broad spectrum of issues. She regularly handles cases concerning the Consumer Credit Act 1974, the Package Travel, Package Holidays and Package Tours Regulations 1992 and the Unfair Terms in Consumer Contracts Regulations 1999, amongst others.
Thorough, pragmatic and excellent value for money.
Julia Smith is an expert in consumer finance who regularly advises on unfair terms and consumer credit matters.
Strengths
Provided by Chambers
"Julia Smith's submissions are impressive and rigorous."
"Thorough, pragmatic and exceptional value for money.She is the preferred option if you have a case with very technical, niche issues."
"Julia Smith is great at identifying the practical ramifications involved in any case."
"Julia Smith's submissions are impressive and rigorous."
"Thorough, pragmatic and exceptional value for money.She is the preferred option if you have a case with very technical, niche issues."
"Julia Smith is great at identifying the practical ramifications involved in any case."
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