A Manchester court could clarify credit card laws.
The law regarding the enforcement of credit card and loan agreements is set to be clarified with the resolution of several test cases.
A total of 12 cases relating to credit contracts are to be heard by Manchester's High Court towards the end of this month, the BBC reported.
Thousands of customers have recently launched legal action against their loan and credit card providers to get their debts cancelled, arguing that their original agreements do not comply with the Consumer Credit Act.
The cases often originate from claims management companies, many of which advertise the potential legal loophole to customers in their promotional material.
A total of three test cases on the issue have been resolved over the last two months, with judges finding in favour of creditors each time.
Consumer Credit Act expert Bob Imrie indicated that the Manchester cases could go the same way.
"Courts are not very sympathetic to claims that terms and conditions were not provided to customers," he told the broadcaster.
"You've got a real problem trying to undo an agreement on a technicality; you've got to provide evidence the banks behaved wrongly."
All of the test cases have resulted from credit agreements made before the enforcement of the latest Consumer Credit Act in April 2007.
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