Basically whomever has the paper can activate your card. If the holding company activated why would there be charges on it if you didn't use it? It smells like someone got a duplicate card or a glitch in the system.

You can try to use the court system to your advantage but you can also make a rabbit appear out of thin air lol. Banks, regardless of their more than shallow pockets, didn't skimp out retaining solicitors for protection. Proceed with caution.