copy and paste the link below into your browser address to view what the Office of Fair Trading guidelines

http://www.oft.gov.uk/advice_and_resources/resource_base/legal/cca/CCA2006/unfair/

see BBC'S report " credit cards debts wiped

http://news.bbc.co.uk/player/nol/newsid_7190000/newsid_7195100/7195126.stm?bw=bb&mp=wm&news=1&nol_storyid=7195126&bbcws=1