Richard Mawrey QC is an advocate and legal scholar of 40 years experience who has been in practice at Henderson Chambers since 1965. He was involved in a very wide range of consumer credit law since before the 1974 Consumer Credit Act was passed, and helped to campaign for the full implementation of the Act in the early 1980s. He has edited Bullen Leake and Jacob's Precedents of Pleadings and Butterworths' Consumer Credit Legislation; and currently edits the Business Law section of Butterworths' Civil Court Precedents.Toby Riley-Smith (called 1995) is based at Henderson Chambers and specialises in the inter-related fields of commercial and consumer law and product liability fields. He advises consumers and finance houses on non-contentious and contentious aspects of the 1974 Act, and is a contributing editor to both Goode's Consumer Credit Law and Practice, one of the most authoritative texts on the subject, and Halsbury's Laws - Practice and Procedure.

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Richard Mawrey QC is an advocate and legal scholar of 40 years experience who has been in practice at Henderson Chambers since 1965. He was involved in a very wide range of consumer credit law since before the 1974 Consumer Credit Act was passed, and helped to campaign for the full implementation of the Act in the early 1980s. He has edited Bullen Leake and Jacob's Precedents of Pleadings and Butterworths' Consumer Credit Legislation; and currently edits the Business Law section of Butterworths' Civil Court Precedents.Toby Riley-Smith (called 1995) is based at Henderson Chambers and specialises in the inter-related fields of commercial and consumer law and product liability fields. He advises consumers and finance houses on non-contentious and contentious aspects of the 1974 Act, and is a contributing editor to both Goode's Consumer Credit Law and Practice, one of the most authoritative texts on the subject, and Halsbury's Laws - Practice and Procedure.

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Richard Mawrey QC is an advocate and legal scholar of 40 years experience who has been in practice at Henderson Chambers since 1965. He was involved in a very wide range of consumer credit law since before the 1974 Consumer Credit Act was passed, and helped to campaign for the full implementation of the Act in the early 1980s. He has edited Bullen Leake and Jacob's Precedents of Pleadings and Butterworths' Consumer Credit Legislation; and currently edits the Business Law section of Butterworths' Civil Court Precedents.Toby Riley-Smith (called 1995) is based at Henderson Chambers and specialises in the inter-related fields of commercial and consumer law and product liability fields. He advises consumers and finance houses on non-contentious and contentious aspects of the 1974 Act, and is a contributing editor to both Goode's Consumer Credit Law and Practice, one of the most authoritative texts on the subject, and Halsbury's Laws - Practice and Procedure.

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• APPENDICES