M - Modifying agreements
20/3/12
SANTANDER CARDS (UK) LTD v MAYHEW [2012] EW Misc 14 (CC)
On the facts found at trial, a credit card agreement was unenforceable because the terms and conditions had not accompanied the application which the debtor signed and no fresh agreement had been supplied when the agreement had been modified to upgrade the card. A default notice had also been defective because it had wrongly stated the sum due and had not included an OFT fact sheet.