Having looked at a few webpages and forums on memory editing and trainers I found one where they say there are game developers who purposely encode or encrypt the values so that they cannot be hacked. Most of the people on the forum hated the idea of the developers doing this, and some seemed quite talented at programming and general hacking/reverse engineering on software. (before you ask, it wasn't a hacking group. Totally legit sites only)
My opinion for FIFA 2006... definately encoded memory values.
Thanks again DABhand, you were right on the money!