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 ninth consumer credit column, Richard considers a quirk of the Consumer Credit Directive (2008/48/EC) (CCD) that seems to remove of one of the cornerstones of English jurisprudence, the signature.