I challenged a credit card's 'enforceability' in court. It was proven they could not enforce. (I'm not going to go into the whys and wherefores - read Carey v HSBC if you want to understand the bigger picture).
However my case was primarily about them
charges for harrassing me for months.
I lost. I was therefore ordered to pay their costs (as the losing part should).... So.... here's the tip
I had the judge ADD those costs to the outstanding credit card debt.
They couldn't enforce it before, so they sure as hell can't enforce it now... all they have effectively done is extend to me a further line of (totally unenforceable) credit!
(they already screwed my creditworthiness so there's nothing else they can do to me).
Court order followed? check
Costs paid to bank? check
Repaying that line of credit? Not a chance and nothing anyone can do about it