I understand the key date, but the original card was taken out before April 07 and then replaced by the Airmiles well after April 07. So i was wondering if it is worth trying to class this card as the original (pre April 07) card?

The orinal lloyds card was taken out before the begining of April 07, don't know the exact date. The Airmiles Duo was taken out Jan/Feb 08.

Hi, Sorry if this is in the wrong place! I have a Lloyds TSB airmiles duo card (amex & mastercard), this was taken out after April 07, however when i applied for it i already had a Lloyds Credit card, which i think was taken out before April 07. I actually wanted the Airmiles Duo card in addition to the other Lloyds card, but they actually replaced it with the Duo card. So, do you think it is worth trying to pursure this card or will they just say it was applied for and taken out after April 07? Thanks.

I'm interested in the CCA process (not even sure that's what it's called!) where debts can be written off if the contract is unlawful. I have a loan that was taken out in mar/apr 08, is there no way that the process will work for this debt? Also could you tell me if bank overdrafts and secured home loans can be challenged in this way? Thank you.