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Wintertime

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Posts posted by Wintertime

  1. Hello 

    Thanks for replying 

     

    I've received my court directions now.

     

    As I said I did request my documents via mcol as I am defending the case.

    I have never had any contact with this debt collection agency and I don't wish to.

    Lowell/Overdales have sent me what I requested 4 months later from my initial County court claim. 

    I'm not sure how to proceed when what they have provided is not adequate;

     

    The covering letter from Overdales says they have sent me a reconstituted CCA which was taken out online but has a photocopied wet ink signature from someone else on it below my electronicly printed name

    My address is not on it.

     

    The court requested a first and final statement which I would have expected to be similar to an official credit card statement if only a copy.

    All I have been sent is a downloaded list of transactions some of which are questionable.

     

    The court also requested a notice of assignment from the OC which is basically a word document, no letter headings, company logo ,accreditations etc.

     

    Please shed some light on this 

    kind regards 

     

  2. Hello everyone 

    I'm currently going through the court process with Lowell portfolio 1 for a cc debt they bought off vanquis.

     

    I've received documents from them which I requested via MCOL.

     

    The copy of the CCA I received doesn't contain my address when I took out the credit card and even though it has my printed name on a blank page at the end it's been signed by someone else?

     

    Any advice please 

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