The club spent the day in the High Court after legal action brought by Swiss based financiers.
The Langston Corporation claims the club has failed to make a payment on the loan made in 2004.
However, for the first time, the club's barrister named Mr Hammam as the man behind Langston.
The bankers want the court to make a summary judgement in the case, which would see Cardiff City facing a bill to repay £24m immediately of the £31m that is outstanding.
But the club claims the loan is not repayable until 2016 and it could face an uncertain future if it loses the case.
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