As I never applied for the card I was advised on another forum to apply for a SAR. I’ve already got a copy of the agreement which I received in 2016 so do I need to request another? As I said in my first post, the card came shortly after I took a personal loan out so it must have been part of that. Is this something I can mention in my defence?

Sorry for the late reply. I've acknowledged the claim on MCOL and sent a SAR to Bank of Scotland. Name of the Claimant ? Lowell Portfolio Ltd Date of issue - 07 March 2018 What is the claim for – 1) The Defendant opened a Bank of Scotland (Credit Card) regulated consumer credit account under reference xxxxxxxxxxx on 25/09/2008 ('the Agreement'). 2) In breach of the agreement, the defendant failed to maintain the required payments and the Agreement was terminated. 3) The agreement was later assigned to the Claimant on 17/06/2015 and written notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £5,338.21 remains due and outstanding. And the claimant claims a) The said sum of £5,338.21 b) Interest pursuant to s69 Count Courts Act 1984 at the rate of 8% per annum from the date of assignment the date of issue, accruing at a daily rate of £1.170, but limited to one year, being £427.06 c) costs What is the value of the claim? £6276.27 inc costs Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? After Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Don't think so Why did you cease payments? 2013 What was the date of your last payment? March 2013 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No

Hi all, I’m looking for advice. I’ve received court papers today from the county court business centre, the claimant is Lowell Portfolio regarding a credit card debt of £5700 with the bank of Scotland. In 2008 I successfully applied for an AA loan for £3000 (all paid) after receiving the funds about a week later I received an AA credit card which I didn’t apply for so I can only presume this was hidden within the loan agreement?? Because I never applied for it! At the time I wasn’t in any financial difficulty so I kept the card, fell on hard times a couple of years later so I used the card, realised I couldn’t keep on making the payments. It was roughly 2015 when Lowell bought the debt I asked for a CCA which took them almost 3 months to supply, when it arrived it does look legit even though I had never applied for the card - however the date on the agreement is September 2008 but at the very bottom in small print it has ‘sep2007’ Not sure whether to just accept this or defend it? Thanks in advance.