Kate specialises regulatory matters and is ranked as a leading junior in both Chambers and Partners and the Legal 500. In particular, she acts for financial institutions in contentious and non-contentious matters, including drafting and securitisations. She is an experienced advocate, having represented most of the major banks and finance houses in matters relating to compliance with financial services and consumer credit legislation, including enforceability, mis-selling, unfair terms, harassment and credit referencing errors.

Kate has advised on the implementation of the Consumer Credit Directive, the Consumer Rights Directive and the Green Deal. Her practice also includes advising on trading laws, product compliance, advertising issues and enforcement action under the Enterprise Act.

Recent reported cases:

  • Brandon v American Express Services Europe Ltd [2011] EWCA Civ 1187 (consumer credit default notices):
  • Grace v Black Horse Ltd [2014] EWCA Civ 1413 (repossession of consumer credit protected goods, limitation and credit referencing errors);
  • Burrell and others v Helical (Bramshott Place) Limited [2015] EWHC 3727 (Ch) (whether an agreement provided for "credit" within the meaning of the Consumer Credit Act 1974).
  • kate-urell's picture

    Areas of Practice

    Banking and Finance
    • Year Qualified



      LLB Europe (Hons) French
      LLM (Cantab)
      Middle Temple (Harmsworth Scholar)


      Food Law Group