Credit Hire

Joel has extensive experience in this area and normally appears in credit hire trials two or three times a week. He is very well versed in the full range of arguments surrounding enforceability, need, period, impecuniosity and rate. He acts in more or less equal measure for claimants and defendants, which gives him the advantage of being able to anticipate the arguments likely to be deployed by his opponents.

Joel has also successfully defended a number of signatories to credit hire agreements who have been pursued directly for the hire charges.

Joel prides himself on keeping up to date with the latest cases in this ever evolving area of law.

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If you would like to instruct Joel McMillan or would like help or advice in doing so, please call and talk to our excellent clerking team, led by senior clerk Alan Kilbey MBE. Our phone number is +44 (0)20 7583 9241. Alternatively, please email us at

For more information about our clerking team, please click here for the clerks page.

Appointments & Memberships

  • Personal Injury Bar Association
  • Free Representation Unit
  • Education Law Association

Education & Qualifications

Prizes and Awards

2013       Certificate of Honour for Results in the BPTC, Middle Temple

2013       The Times Law Award essay competition:  Runner Up

2013       The Kingsland Cup national mooting competition: Runner Up (final held in the                                      Supreme Court in front of Lord Carnwath JSC)

2012       Blackstone Entrance Exhibition, Middle Temple

2011       Jules Thorn Scholarship, Middle Temple


2012 – 2013     BPTC, BPP Law School, London: Outstanding

2011 – 2012     GDL, City University, London: Commendation

1999 – 2003     MA (Hons) History, University of Edinburgh: First Class

Previous Employment

Before converting to law Joel was on the Civil Service Fast Stream. Joel’s experiences in Whitehall included training MPs on the new parliamentary expenses system, drafting a Cabinet paper, working in the private office of a Secretary of State and advising Ministers on the development of Government policy.

Prior to that Joel led and managed cultural tours of Western Europe for groups of multi-national clients, giving lectures on the history of the countries and guided tours of a number of cities including Paris, Rome, Florence, Venice, Barcelona, Vienna, Berlin, Amsterdam and London.

These experiences have made him client focused, calm under pressure and committed to maintaining the highest possible standards.

Personal Interests

Joel enjoys cycling, theatre, travel, cooking, and playing football and tennis. He also has a keen interest in history and politics.

Joel is a school mentor for the Bar Mock Trial Competition, which provides under privileged students with the opportunity to prepare and undertake a mock trial in a real court in front of a Circuit Judge.