Wouldn't matter how they phrased it, 5 years and ''see ya'. If it wasn't goverened under the 1974 CCA, thhat would be even more reason to not persue.' Hell I was bang to rights but they forgot a sig on their side, I twigged and defended it in court myself , only blip is its on my credit rating as I am due it (they just can't ask for it) but that will dissapear very shortly.
Here, if nothing else, maybe they could screw up the legends credit ratings? Be fun if nowt else.