Sorry about the mess up with the attatchnments if you could remove that post i would be very grateful, regards steve

hi briadier thanks for your reply the only terms amd conditions i have recieved are the ones in the attatcment which i posted,i would be intersested to know what you think,thanks for your interest latics 321

would these agreements be acceptable in a court of law ?

hi i wonder if anyone can help me with this , a very well known debt company have been chasing my wife for an alleged debt for some while now , they have sent a copy of a credit agreement which was barely legible, so we asked them to send proof of the deed of assignment which they have failed to do , we got a letter from them saying that they only need to send a notice of assignment, now the way i see it is that if a company are telling my wife that she owes them thousands of pounds , i think that the onus is on them to provide us with proof that they have accuired this debt , can anyone advise please thanks

THANKS FOR YOUR HELP

tx for your comments much appreciated

Hi CAN ANYONE ADVISE ME ON AN ALLEGED DEBT WITH LOWELL, WE HAVE ASKED LOWELL TO SUPPLY US WITH THE DETAILS OF WHEN THE ALLEGED LOAN WAS PAID INTO OUR BANK ACCOUNT , ALSO ON THE CREDIT AGREEMENT IT SAYS THAT AN ADVANCE OF 100 POUNDS WAS SENT TO OUR HOME ADRESS , SO WE ASKED WHO DELIVERED IT AND WHEN?, WE HAVE JUST RECEEIVED A LETTER FROM LOWELL STATING THAT THE ORIGINAL CREDITOR HAS NOT GOT THAT INFORMATION BELEIVE ME OR NOT BUT WE DO NOT REMEBER THIS LOAN SO WE ARE TRYING TO GET AS MUCH INFO AS POSSIBLE BEFORE EVEN CONSIDERING ANY PAYMENT, ANY HELP WOULD BE GRATEFULY RECEIVED:madgrin:

hi yes it is on my cra file they went quiet for 6 months when i asked them for proof that this loan was paid into our bank account the they just sent another copy of the credit agreement

hi sorry buy i dont understand your comment regards latics

thanks for your input it is much appreciated

hi can anyone advise on this, i recently asked for a copy of a credit agreement which i took out in 2002, what i actually received was someone elses agreement complete with all their bank account details and phone number ,now in my mind that amounts to a serious breach of customer confidentiality,any advice on how i should react tot this? thanks latics

hi brigadier it is a scan of the doc which they sent to me ,it is pretty bad quality and i dont think all the terms and conditions are there, also is it their responsibility to send a deed of assignment ,if ,as they say ,they have purchased the debt thanks for your help latics

hi can anyone advise if the documrnt below would be enforcable in court, bearing in mind that this is the only proof of this alleged debt,they have not sent a deed of assignment as they say they have bought the debt, lowell.pdf

hi here are the docs i think lowell - Copy (2).pdf

hi here is the agreement ,any thoughts ? lowell.pdf

Hi thanks for your comments ,yes we are homeowners but like a lot of people our house is in negative equity so lowell wont get anything there,iam going to try to post a copy of the credit agreement so maybe someone can advise on its enforcability, regards , steve

hi my wife has been threatened with bankruptcy by lowell,it is over a debt that we genuinely cannot remember taking out . so in may we sent a request for proof of this alleged debt, we didnt hear anything from them for a few weeks th en one day we got a creep knocking at our door and handing a bankruptcy petition to us as you can imagine we were somewhat angered by this . when we contacted lowell and pointed out to them that we had no knowledge of this debt , they eventually agreed to have the bankruptcy petition dismissed . two weeks ago we recieved a credit agreement through the post from lowell it contained one sheetb of paper which is not very legible but it does have my wifes name on it and is dated january 2002 this is the only evidence they have provided , we have aske for a statement of account and a deed of assignment but neither of these have been forthcoming , anyway we spoke to lowell yesreday and they have told us they intend to commence bankruptcy proceedings once again against my wife IF ANYONE COULD ADVISE US ON WERE WE WE STAND IT WOULD BE VERY MUCH APPRECIATED

can anyone please advise me on a loan agreement dated jan 2002 , we have received a copy of the original agreement (after 6 months} of asking as yet we have received no statement of account nor have they sent a deed of assignment. ' on the loan agreement ;the creditcaregold{ppi} is calculated together with the loan , and not in seperate boxes as i believe should be the case the agreement is barely legible theer is no actual loan amount given , just £100 advance a sum of £22253.95 for payment protection and a total amount of credit ££8353.95 lowell are thteatening to make us bankrupt on this evidence have they got a case against us any help would be much appreciated thanks

can anyone give me advice on a credit agreement , which is currently being pursued by lowell , the agreement dates from january 2002 .the problem is we do not remember taking out this loan . but it is our old account number so it must be correct , anyway we have recieved a copy of the agreement which is barely legible ,the total amount payable on the is made up as follows A =advance £100 B = creditcare gold £2253.95 c nothing is printed under c D total credit £8353.95 E ttotal charge for credit ££1884.93 F total amount payable £10,236.88 now as i understand it there are a few discrepancies A there is nothing printed under the actual loan amount B ppi should be calculated seperatly in seperate boxes to the loan amount we have not been sent a statement of account nor have we recieved a deed of assignment .can anyone advise please

can anyone tell me how to post a new thread