John Pugh's Chambers
3 Shrewsbury Road
CH43 1UU

Specialist in consumer credit litigation

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John Pugh LLB (Hons)

Clerk: Suzanne Thomas

I am a barrister specialising in consumer protection work.  My services are:

(a)  Advising on legal merits

(b)  Drafting key documents in a claim (particulars of claim and defences);

(c)   Advocacy at court:


In consumer credit cases you may owe money but the debt may be unenforceable. The regulations are complex. Your creditor will not tell you if they have breached regulations in your case. Scrutiny of the case brought against you often reveals the claim to be unenforceable in whole or in part.

Early advice can save you time, money, hard work and stress. It gives you an initial appraisal of your case, by someone who conducts such cases every day in court. The best way to settle a case on advantageous terms is to fight it hard from the outset, be seen to be prepared to do so with legal representation, but utilise the right to negotiate, without prejudice, in the background.

I cannot guarantee the outcome of disputed litigation for you. No one can. But I can give you an idea how strong or weak your case is, along with the reasons for my opinion, and advice how best for you to proceeed.


If you draft your own defence, you can unwittingly damage your own case.  The defence is the conerstone of your case. Drafting the defence is the most important thing I can do for you. If you do it yourself you are very unlikley to do yourself justice.

Creditors win most disputed cases because defendants do not state their defences correctly at the outset.  What you may think is your main defence may turn out to be only one of a number of defences andmay not even be the strongest one.


I will prepare your case, prepare a skeleton argument beforehand, provide the court will all necessary legal authorities and present your case in court.

If you do not want representation at trial the filing of a professionally drafted defence and of a written case to submit to the court can help ensure that no points in your favour are missed

Public access to barrister services:

Understanding the role of the public access barrister

Litigation (i.e your case) can only be conducted by you or by someone authorised to conduct litigation such as a solicitor or some public access barristers who apply for such rights. No other means of conducting litigation is lawful.

I do not conduct litigation and have not applied to do so. By not incurring the obligations of such an infrastructure I can keep what I do (advising, drafting key documents, conducting your hearings and trials in court) less expensive. As an example, in a consumer credit case:

  •  a solictor will usually ask a barrister to draft a defence, because it is a crucial document in the case and needs experience and skills they do not have.

  • a solicitor will also request a barrister to attend hearings as barristers are experienced in advocacy.

  • solicitors also seek advice from barristers at key moments in a claim, e.g. if settlement arises.

As a litigant in person you can use a barrister in a similar way. The main difference is that you would normally instruct me to advise at the outset of a case whereas a solicitor would not need such advice.  You can you can use my services as much or as little as you wish but you will remain in control of your claim and the court and other side will corespond and communicate with you. It is a very economical way of accessing expertise as and when needed whilst keeping costs of routine communications down.

I will never ask for money 'on account' of future fees generally. I only quote for specified work and seek payment only for that specified quoted work.

Please make use of my self help page if it is of assistance to you. 

If there is no solicitor, who runs the case?

Here is some simple guidance about runing your own case.

  1. Make a chronology of the facts of your case.

  2. Keep an ordered case file (on computer and in hard copy if possible).

  3. Keep attendance notes of all phone calls and significant events in your case.

  4. Keep a case diary so you never miss a deadline.

  5. Don't get involved in pointless arguments with the other side in correspondence. The defence is where you set your case out. The court is where you argue it.

  6. Comply promptly with the court's case management directions. Keep proofs you have done so (especially proof of posting documents). Courts lose documents. Creditors sometimes choose not to see them. 

  7. If you can't get something done in the time limit imposed by rules or the court apply for a time extension before the time runs out. It is better never to miss a deadline than to have to apply for relief from snactions for missing it.

  8. The object is to present a clear, coherent case and demonstrate willingness to fight it before a Judge.

  9. Keep your letters short, focussed and courteous.

  10. Read any information sheets that come with documents from the court carefully. 

  11. Make yourself familiar with the web sites that contain the statutes and court rules. Learn about the law that giverns your case.

  12. Use the self-help guidance in this site to help you with the routine parts of the case through to trial.

For more information about Public Access to barristers from the web site of the Bar Standards Board click here.

Tel: 0151 236 5415        Email:        DX 14182 Liverpool 1
Regulated by the Bar Standards Board