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Hendersons - Barristers' Chambers

Nazeer Chowdhury

"Well regarded for consumer finance."

Legal 500 2019


Nazeer Chowdhury has a broad civil and commercial practice with particular expertise in a wide range of regulatory law including Banking, Finance and Consumer Credit law. He regularly acts in and advises on contentious and non-contentious Banking and Finance matters. His clients include almost all of the major Banks, a number of finance houses, boutique investment companies and high net worth individuals.

He has been consistently listed as a leading Banking and Finance junior by the Legal 500 and Chambers UK.



Finance, Consumer Credit & Commercial

Nazeer is a leading junior in the area of Finance, Banking and Consumer Credit. He has a detailed knowledge of the Financial Services and Markets Act 2000 (FSMA), the FCA handbook and the Consumer Credit Act 1974 (CCA), having acted for major Banks, a number of finance houses and boutique investment companies over the course of the last decade. In recent times, he has acted for Banks, finance houses and investment companies in cases arising out of:

  • FCA authorization (including assisting companies with their application to the FCA and determining whether authorization is necessary)
  • The application of CONC (the Consumer Credit Sourcebook in the FCA Handbook)
  • Exemptions under FSMA and / or the CCA (e.g. business, buy to let, high net worth individual, small agreement etc.)
  • Regulated mortgage contracts
  • Buy to let
  • Property investment clubs
  • Sophistcated investors
  • Bank of England’s discount window facilities
  • Peer to peer lending
  • The operation of an electronic system of lending
  • Collective investment schemes
  • Interest rate hedging
  • Swaps
  • PPI
  • Lending (secured and unsecured)
  • Consumer Credit and / or Hire Agreements
  • Debt acquisition
  • Connected lender liabilities
  • Debt collection harassment
  • Unfair relationships under section 140A of the CCA
  • Guarantees (company or individual)
  • Letters of comfort
  • Trading standards
  • Borrowers’ / Debtors’ obligations
  • Bailment and seizure of goods (plant machinery and / or vehicles)
  • Asset finance
  • Debt recovery
  • AIM
  • Commission (undisclosed and disclosed)
  • Fraud
  • Payment services
  • Plevin claims

Nazeer’s advocacy experience includes contested trials and hearings (whether at County Court, High Court or Court of Appeal level) including applications to strike out and / or give summary judgment; he also drafts statements of case (Particulars of Claim, Defences, Counterclaims and Replies) and, when appropriate, attendant documentation (Witness Statements and / or Affidavits and / or Draft Orders etc.).

Nazeer also regularly drafts regulated credit and hire agreements and notices and / or financial instruments.

Nazeer was elected to the editorial board of Goode: Consumer Credit Law and Practice and he has been consistently listed as a leading Banking and Finance junior by the Legal 500 and Chambers & Partners.


Nazeer was seconded to the Financial Services Authority to assist in numerous matters arising out of the operation of the Financial Services and Markets Act 2000, secondary financial services legislation and in particular the FCA handbook. Amongst other things, he advised the Financial Services Authority (as it then was) on the application of the Insurance Directives to the reinsurance sector.

Since his FSA secondment, he has advised on the effect of the FCA Handbook on insurance intermediaries / brokers and regulated persons. As a specialist Banking and Finance barrister, he is constantly in demand for his advice on the regulatory powers of the FCA and regularly assists companies under FCA investigation. He has acted for companies and individuals in numerous prosecutions by Trading Standards.

Nazeer regularly appears in the High Court on behalf of both creditors and debtors in bankruptcy proceedings and contractual claims arising out of bankruptcy proceedings. He advises both individuals and companies on the practices and procedures in the bankruptcy registry and has appeared on behalf of both creditors and debtors before most of the registrars at the Royal Courts of Justice in bankruptcy petitions and applications to set aside bankruptcy orders.

Commercial Insurance & Business Law

Nazeer’s experience in contract and commercial law ranges from claims under the Sale of Goods Act 1979, the Supply of Goods and Services Act 1982, UCTA 1977, Unfair Terms in Consumer Contract Regulations 1999 to complex disputes under the Consumer Credit Act 1974, the Competition Act 1998, the Financial Services and Markets Act 2000, and the Companies Act 2006. He has experience of contentious work in cases involving shareholders, directors and companies. In more recent times, Nazeer has developed his commercial practice in the fields of IT and insurance, having been led by a number of QCs at Henderson Chambers. He has appeared in numerous interim applications and hearings in the Queen’s Bench Division and / or Commercial Court and / or the Technology and Construction Court.

Health & Safety, Fire Regulations, Building Control

Nazeer regularly advises on and acts in a wide variety of personal injury cases for both Claimants and Defendants. He has acted for individual and corporate clients in both the county and magistrates’ courts in cases ranging from RTAs to the outbreak of MRSA in a hospital. He has considerable experience of defending and advising companies and individuals involved in fire safety prosecutions under the Regulatory Reform (Fire Safety) Order 2005 and defending and advising companies and individuals in breach of the Building Act 1984, the various Public Health Acts and Health & Safety legislation.


Nazeer has a growing practice in the area of environmental law. He has recently been instructed in various claims and / or prosecutions arising out of the pollution of a river and stream. The claims involve sensitive dealings with the Environment Agency and neighbouring residential and business premises.

Property & Insurance

Nazeer regularly acts for insurers in subrogated claims arising primarily out of property damage. He has substantial experience of dealing with expert witnesses from structural engineers to surveyors. More recently, Nazeer has been instructed in two long running property cases, the first arising out of environmental nuisance and the second arising out of tree root damage. He provides practical advice on complex property disputes between insurers and is regularly instructed in cases in both the County Courts and High Court.

Landlord & Tenant

Nazeer’s experience of landlord and tenant law includes residential and business possession proceedings for both local authorities and private individuals. He regularly acts for landlords and tenants in possession claims brought on the basis of rent arrears, nuisance and disrepair. He has advised on and acted in significant antisocial behaviour cases involving substantial numbers of witnesses and hours of video footage. In addition, Nazeer has extensive experience of seeking injunctive relief in circumstances where the tenant has refused access to their property.

Nazeer has considerable experience in advising on and acting in appeals and judicial reviews under the Housing Act 1996. In particular, he has acted on behalf of local authorities and tenants in cases in which applicants have failed to obtain local authority accommodation.

Nazeer is regularly instructed to advise on the renewal and termination of business tenancies and has regularly assisted FTSE 100 companies in ensuring that their renewals are successfully achieved on favourable terms. He has advised on and acted in cases before the First Tier Tribunal (Property Chamber) over the nature, extent and responsibility for service charges.

Insolvency & Bankruptcy

Nazeer regularly appears in the High Court on behalf of both creditors and debtors in bankruptcy proceedings and contractual claims arising out of bankruptcy proceedings. He advises both individuals and companies on the practices and procedures in the bankruptcy registry and has appeared on behalf of both creditors and debtors before most of the registrars at the Royal Courts of Justice in bankruptcy petitions and applications to set aside bankruptcy orders.

Local Government & Group Law

Nazeer regularly acts for local authorities in a broad variety of tortious and contractual claims including matters arising from public procurement.

Nazeer was seconded to a local authority; during this time, he advised the local authority on local authority obligations under community care legislation. In particular, he advised on the following:

  • Section 47 of the National Health Service and Community Care Act 1990.
  • Sections 21 and 29 of the National Assistance Act 1948.
  • Section 2 of the Local Government Act 2002.
  • Section 2 of the Chronically Sick and Disabled Persons Act 1970.
  • Sections 2, 3 and 117 of the Mental Health Act 1983.

Nazeer now regularly appears in the Court of Protection at first instance and in appeals to the Senior Judge and / or President in the High Court in cases arising out of the Mental Health Act 1983 and / or the Mental Capacity Act 2005. Such cases concern:

  • DOLS authorisations
  • Best interests decisions (on welfare and / or finance)
  • Applications to displace nearest relatives
  • Capacity disputes

Nazeer has had considerable experience of high profile multi-party Court of Protection cases and understands the merit of carefully handling such sensitive cases.

Group Actions

Nazeer has acted in various product liability matters arising out of defective products. His experience includes Counsel in unitary product liability cases and group actions.

Representative cases

grid list
  • The Bomu Bonny Oil Pipeline litigation
  • The PIP breast implant litigation
  • The Seroxat litigation


What the directories say

"Very efficient and diligent."
Chambers UK 2019

"Recommended for consumer credit cases."
Legal 500 2019

"He is very persuasive, very easy to work with and very pleasant."
Chambers UK 2018

"He instils confidence in solicitors."
Legal 500 2015

"An experienced junior barrister who advises financial institutions on consumer credit-related work. He has recently handled a number of cases concerning mis-selling and the enforceability of agreements."
Chambers UK 2014

Instructing Nazeer Chowdhury

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  • Editor of Goode: Consumer Credit Law and Practice
  • Various articles for the Solicitors Journal
  • Commercial Bar Association
  • Health & Safety Lawyers’ Association
  • First Class BA (Hons), St John’s College, University of Durham
  • First Class M.Phil., St Catharine’s College, University of Cambridge
  • PgDL (Commendation), Nottingham Law School
  • Major Scholar, Inner Temple (2000)
  • Jubilee Prize St John’s College, University of Durham (1999)
Regulatory Information

All members of Chambers are registered with the Bar Standards Board of England and Wales. For our standard contractual terms click here.

Bar Council Number: 43987

VAT Registration Number: 820271271

Legal Status: Barrister

Professional Insurance: All members of Chambers have professional liability insurance provided by the Bar Mutual Indemnity Fund Ltd. Territorial coverage is world-wide and subject to the term of the Bar Mutual. Click here for details.

Regulated by the Bar Standards Board.

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