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Ruth Bala

Ruth Bala recently joined the Financial Services team at 4 Pump Court. She is ranked by Chambers & Partners in Band 1 for Consumer Finance and by Legal 500 in Tier 2 for Banking & Finance and Financial Services. She was shortlisted by Legal 500 for ‘Financial Services and Insurance Junior of the Year’ 2022.

rbala@4pumpcourt.com

Articles by author

Case Analysis – October 2024

John Tillman, Rebecca Newell and Vera Mayzel of Hogan Lovells report on a recent case resolving key tension between insolvency policy and arbitration policy. Madeline Hirschfield and Daniela Vella of Hogan Lovells report on an application for permission for judicial review of decisions made by the FOS. Ruth Bala of 4 Pump Court reports on a decision dismissing a judicial review claim of the FOS’s determination of client classification.

30 SEP 2024

Case Analysis – August-September 2024

Sam O’Leary and Sandy Phipps of One Essex Court and Ruth Bala of 4 Pump Court report on recent banking law cases

31 JUL 2024

Shared appreciation mortgages: how far can the “unfair relationships” regime stretch?

A trial of alleged mis-selling of shared appreciation mortgages (SAMs) by Bank of Scotland plc (BoS) is listed for early 2024. In this article Benjamin Pilling KC and Ruth Bala of 4 Pump Court review the issues in the case. Does the “excessive” finance charge generate an “unfair relationship”? Will the court be willing to use the “unfair relationship” provisions to rewrite a mortgage, where there was full disclosure upon inception of the level of the finance charge (c.f. PPI, where the high level of commission was undisclosed)? The authors also consider limitation.

1 JAN 2024