clipped from: www.write-off-credit-card-debt.co.uk   

You can quite legally write off your credit card debt (or most loan agreements) if it dates prior to 6th April 2007 and does not contain certain details which are now mandatory. We will check your original loan or credit card agreement. If certain clauses in the contract do not comply with the provisions of the Consumer Credit Act 1974 and ancillary regulations (up to 75% will not) then the debt will be deemed unenforceable. Our legal team will also ask the lender to wipe the debt from your credit record.