Ruth Bala - Gough Square Chambers
Ruth Bala
Areas of practice:
  • Consumer Law
Gough Square Chambers

Ruth Bala’s CPDcasts

Ruth is an official CPDcast contributor and contributes to the following podcasts:



Ruth practises in all areas of consumer and regulatory law.

She has represented banks and other financial institutions in courts all over the country on a broad range of consumer credit matters, including enforceability disputes, alleged mis-selling of Payment Protection Insurance, payment of ‘secret commissions’, provision of copy documents, compliance with drafting requirements, ‘extortionate credit bargains’ and the ‘unfair relationships’ test. Ruth also undertakes drafting and advisory work in all these areas.

Ruth regularly appears in court in mortgagee possession and appeal proceedings, sale and supply of goods disputes, contractual disputes, claims for debt and insolvency proceedings.

She has experience in other regulatory matters, both civil and criminal. During her pupillage she worked as a Trading Law Specialist at Asda and advised on the legality of comparative advertising. She also completed an internship at the Office of Fair Trading, advising on the application of the Unfair Terms in Consumer Contracts Regulations 1999, the Enterprise Act 2002 and the Consumer Protection from Unfair Trading Regulations 2008.

Ruth Bala - Website Details:


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