Baby father by Patrick Augustus - very good read!
Also recommend Martin Millar - one of my faves is Dreams of sex and stage diving.
(Not sure he "wrote loads of comic books" though. Are you conflating him with Mark Millar?)
Mr Phillips, in John Lanchester's eponymous second novel, is from somewhere in South London, zone 2-ish IIRC. I liked it just as much as I did The Debt to Pleasure - it has the best minutes of a neighbourhood watch meeting ever in contemporary fiction - but few other people agreed, leaving Lanchester with no option but to give up on novels and become, of all things, an authority on the credit crisis and bank regulation.
He gave a talk at Offline once. Nice fella. Some of my friends appear in his novels.
He also did Brixton Rock. Shame he's not very good.