Richard Mawrey QC is a consumer credit expert practising at Henderson Chambers. He has been a specialist editor of Goode: Consumer Credit Law and Practice for 30 years and is co-author of Blackstone's Guide to the Consumer Credit Act 2006 and Butterworths Commercial and Consumer Law Handbook.
In his seventh consumer credit column, Richard considers the attitude of the law towards compulsory formalities as a condition of contractual enforceability.