Good Morning All,
I've been meaning to come back to this for a few weeks but due to personal commitments I haven't had the time.
As of December 2016, My girlfriend successfully won her challenge against CCS / SD and it would have not been possible without the content on the threads of this specific forum.
In summary, after many hours of reading and basically taking on a second career as a lawyers, we researched and read in-depth Credit Laws in both Australia and the UK. We then decided to go on the attack, and I mean really on the attack. We had action from SD paused, CCS came a