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Ray Austin Williams, was called to the Bar back in 1996 and is a West Midlands based advocate progressive and creative in helping individuals and businesses achieve and manage their legal requirements.

RAW CHAMBERS ARE A SET of Barristers commited to providing exceptional service, specialising in the areas of Consumer Credit, Defending County Court Money Claims.

We offer a professional friendly service with a clear pricing structure. We are qualified to represent clients in every level of courts in England and Wales.

We are specialist Barristers who always put our clients’ interests first. Unlike some debt advisory services, solicitors and direct access barristers, we do not act for, or work with banks, lending institutions or debt purchasers which enables us to focus 100% on achieving the best possible outcome for you.

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We act for clients nationwide in:

1. Defending claims issued in the county court for consumer credit debts by Banks and Lenders. These include loan agreements, credit card agreements, hire purchase agreements and current account overdrafts.
2. Applications to set aside default judgment
3. Defending Summary Judgment applications
4. Applications to set aside Statutory demands issued by creditors.
5. Appealing judgments ordered at a hearing
6. Data Protection Act issues which includes creditors, lenders and debt purchasers making incorrect reports to the credit reference agencies.
7. Court proceedings issued to enforce personal guarantees
8. Financial Mis-selling and Unfair Relationships in financial mis-selling in individual agreements and in consolidation transactions, including PPI mis-selling, mis-selling of second mortgages or unregistered first mortgages, Timeshare claims and the developing area of law in “Unfair Relationship”.
9. Mortgage Mis-selling of first mortgages by brokers and lenders in respect of first mortgages both in negligence and under the Mortgage Code pre-regulation and since November 2004 claims for damages under FSMA 2000 S150 for breach of MCOB.
10. Breach of contract disputes

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Unlike some debt advisory services, we are a specialist barristers and do not work in conjunction with lenders. This enables us to focus 100% on achieving the best possible outcome for you.

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