We have covered consumer credit in some respects and that is why I first looked at the site. And hey, shoot me, I got hooked and so pop by from time to time! That's it now, sorry, I'm not getting into long discussions - but I appreciate why you're cynical.

As far as I know, MBNA can keep the debt in house and phone the customer to collect the debt. They can also register a default on her credit file. But it cannot be enforced in a court of law, and cannot be sold.

Honest to God I do not work in the industry! I am a trainee solicitor and when I qualify I will not be specialising in Consumer Credit! Why is it so hard to believe that that is my opinion? I have been reading some of these forums on and off for a while and really felt strongly about this one. I think I give up now, not than any of you guys will complain!

dca killer, I am neither. However I think it is naive and pig-headed to ban someone just because they have a different opinion than yourself. I defend what I say as I think people should look a little more at the bigger picture. If every person had their credit card/loan agreements written off because of PPI etc, I would say it could spell the end for some, if not all of the banks in this country. And look what happened last time that happened - we are still in a recession and people are still losing their jobs left, right and centre. I agree that people should claim back in genuine cases of credit card application fraud, fee overcharging and PPI misselling, I'm sure there are plenty out there. But trying to get a whole debt written off on a technicality - it's just wrong and people should be ashamed of themselves. Sorry if that's old fashioned but that's my opinion. To quote the judge on the Rankine vs. Amex case, the CCA is 'not designed to help individuals make money out of financial institutions through exploiting its undoubted technicalities'.

someone's been reading the daily mail too much. unenforceable not unrecoverable.

All this case means at the moment is this particular debt cannot be enforced through the courts. The debt can still be collected (possibly minus the PPI premiums) - she has not 'got away' with it. I hope they do collect on it, this woman is not a child and should not have been treated as such by this judge.