Charlotte Payne

Charlotte Payne

Call: 2019

Practice Profile


Charlotte has a broad commercial practice across 7KBW’s core practice areas, with a particular emphasis on insurance, shipping, professional negligence, civil fraud and general commercial disputes.

Current and recent instructions include: acting (led by Peter MacDonald Eggers QC) for ship owners in an insurance claim worth c.£60 million for the constructive total loss of a vessel; acting (led by Peter MacDonald Eggers QC) for ship owners in an insurance claim worth c.US$40 million for the total loss of a vessel; acting (led by Richard Waller QC) for international private equity funds in YS GM Marfin II LLC and ors v Muhammad Ali Lakhani and ors [2020] EWHC 2629 (Comm), a US$80 million ship financing fraud claim.  Charlotte also appears regularly in the County Court and has acted as sole counsel in a range of general commercial disputes, including a three-party construction claim, and an international carriage of goods dispute.

Previously, Charlotte worked as a consultant in the mining industry, advising clients of various sizes (from FTSE 100 to AIM listed companies) on a range of mining exploration projects around the world. She was also the Assistant Editor of an IHS published coal journal for three years.

  • Acting (led by Peter MacDonald Eggers QC) for ship owners in an insurance claim worth c.£60 milliion following the constructive total loss of a vessel.
  • Acting (led by Peter MacDonald Eggers QC) for ship owners in an insurance claim worth c.US$40 million following the loss of a vessel.
  • Assisted in preparing written submissions for trial in the Supreme Court of a reinsurance mesothelioma dispute (as a pupil).
  • Assisted in advising on a number of matters including scope of cover, a possible contributory negligence claim and quantum in relation to an incident at a data security facility (as a pupil).
  • Assisted in advising on a claim arising out of property damage to two supercars, with a particular focus on the Convention on the Contract for the International Carriage of Goods by Road (CMR) (as a pupil).
  • Assisted in advising in relation to the validity of an insurance securities claim following the committal of fraud and dishonesty by a company director (as a pupil).
  • Instructed to advise on the court’s approach to conflicting jurisdictional provisions between two different agreements.
  • Conducted research into the Court’s approach to forum conveniens following the decision in Vedanta Resources Plc v Lungowe [2019] 2 W.L.R. 1051 (SC).
  • Conducted research into the meaning of ‘necessary and proper parties’ under gateway 3.
  • Conducted research into the validity and scope of an exclusive jurisdiction clause in the context of an insurance dispute (as a pupil).
  • Assisted in the preparation of a defence for the disponent owner of a grounded vessel following a claim by cargo owners and cargo insurers (as a pupil).
  • Assisted in the preparation of a particulars of claim for an LMAA arbitration in the context of a breach of contract claim against a ship buyer (as a pupil).
  • Assisted in advising and preparing particulars of claim for breach of duty and/or contract resulting from the commingling of cargo during loading of a vessel (as a pupil).
  • Conducted background research for an arbitration in the context of a professional negligence claim brought by the FRC (as a pupil).
  • Assisted in providing advice in the early stages of another FRC investigation into professional negligence (as a pupil).
  • Instructed in an international carriage of good dispute following loss and damage to goods shipped internationally.
  • Assisted with advice on the scope and meaning of consequential losses within the context of an insurance dispute (as a pupil).
  • Assisted with advice and procedure in the Technology and Commercial Court (TCC) (as a pupil).
  • Instructed (led by Richard Waller QC) by international private equity funds in an US$80 million ship financing fraud claim.
  • Assisted with advising on attribution of knowledge following the committal of fraud in the context of an insurance claim (as a pupil).
  • Instructed in a three-party construction dispute (worth £300,000) concerned with the defective laying of a basement slab.
  • Instructed to advise on liability in a construction dispute involving latent damage to a retaining wall.

Professional Experience

Previously, Charlotte worked as a consultant in the mining industry, advising clients of various sizes (from FTSE 100 to AIM listed companies) on a range of mining exploration projects around the world. She was also the Assistant Editor of an IHS published coal journal for three years.

Whilst studying for the GDL (part-time), Charlotte worked full-time for two years in-house in the Legal and Business Affairs department of Cambridge University Press, where she advised on technology contracts, foreign corporate structures, and intellectual property protection.

Charlotte also has an ICAEW Certificate in Finance, Accounting and Business and she won the EY Young Tax Professional of the Year UK competition in 2015.

Additional Information

As a law student, Charlotte represented Gray’s Inn at the XXV Willem C. Vis International Commercial Arbitration Moot and worked pro-bono for the Employment Law Telephone Advice Line. She also held the position of Treasurer and Mooting Representative for the Association of Gray’s Inn Students (AGIS).

Charlotte is now an ‘Advocate’ pro bono panel member and a member of the government’s Junior Junior scheme.

Moreover, Charlotte is a former international athlete having rowed for Great Britain and Wales (on four occasions), as well as winning numerous national championships. Further, during her studies in Vancouver, she stroked the First VIII and LW4+, winning a bronze medal at San Diego Crew Classics in the LWT8+ and racing at Head of the Charles. Charlotte now enjoys running and competing in triathlons in her free time.

  • COMBAR

    LCLCBA

  • 2018-2019 – BPTC, BPP University College, Outstanding (ranked 10th in year out of over 600 candidates, 1st in year in both the ‘International Trade’ and ‘Ethics’ modules)

    2017-2018 – GDL, BPP University College, Distinction (ranked 1st in year)

    2016 – ICAEW Certificate in Finance, Accounting and Business, BPP University College

    2013-2014 – MPhil Environment, Society and Development, University of Cambridge

    2011-2012 – Geology, University of British Columbia, Vancouver (International Year, First Class)

    2009-2012 – BSc (Hons) Exploration and Resource Geology (International), Cardiff University, First Class

    Scholarships and Awards

    • Mould Senior Scholarship, 2019, Gray’s Inn
    • Lord Justice Holker Award, 2018, Gray’s Inn
    • BPTC Excellence Award, 2018, BPP University College
    • Hebe Plunkett Award, 2017 & 2018, Gray’s Inn
    • GDL Award, 2017, Gray’s Inn
    • EY Young Tax Professional of the Year UK Winner, 2015
    • Academic All-Canadian Award (for sporting and academic excellence), 2012, University of British Columbia (UBC), Vancouver
    • Academic Scholarship, 2009-2012, Cardiff University
    • Thomas Arno Scholarship, 2011, Worshipful Company of Haberdashers
    • Jeston University Scholarship, 2009, Worshipful Company of Haberdashers