Legal Test Cases In the UK

At the end of Q4 there were some important changes and cases occuring in the UK in regards to credit card debt. At the end of November, there were 12 separate ongoing cases in the High Court of Manchester referring to the Consumer Credit Card Act, and the manner in which credit card companies have tried to reclaim the debt from borrowers:
http://news.bbc.co.uk/2/hi/business/8365018.stm

However, it seems the banks and lenders, whenever such cases arise are in no hurry to push for the cases to be closed and precedents to be set. The banks are perfectly content with drawing out such cases to their full extent, so that no changes are made to the current CCCAs, and that consumers still remain in the weaker position.
However, there have been some major changes in the legislation which gives borrowers more rights, and protection from lendors who put the pressure on. With the changing legislation, this year it's going to be crucial to stay abreast of all the changes and check your current credit card companies' t&c's.