Thanks Nattie I've had a good read of what you've posted and although I understand a majority of it could the T&C part of it be applied to Credit Cards as one term always comes up and I quote:
If you die any outstanding balance must be paid imeaditley.So would this be an unfair term literally making any agreement unenforceable or whoever it was sold too wouldn't be able to collect which again would make it unenforceable.You can't enforce something on someone who doesn't exist.Isn't it about time that the banks T&C were scruitinized under UTCC(1999) this would then bring everything under the same umbrella.
The real evil is not the payment of money, but the secrecy attending it (Chitty L.J. in the case of Shipway v Broadwood  1 QB 369, 373). .
The courts shall not make an enforcement order under section 65(1) if section 61(1)(a) (signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner
Moneylending transactions as a class give rise to significant social problems.
Astalavista baby and I'll be back