If you have taken out a credit card with ANY lender - there is a high chance that the contract signed by you has fundamental flaws which could mean you do not have to pay back the balance owed.
Any balance of usually up to £25,000.00 when you took out the product ( which can be higher now ) can simply be 'written off' by your lender for serving you with an unenforceable contract. You would receive a letter from your lender at the end of the litigation process confirming the contract is unenforceable.
The financial products which we can check on the validity of the contracts are the following:
* Mortgages
* Car Finance
* Credit Cards
* Unsecured Loans
* Secured Loans
Hope this information is sufficient for you.
Good Luck!!