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  1. Hi, Can anyone advise if a debt has been sold, do the original creditor has to provide a true signed copy of the credit agreement or is it the company that has bought the debt has to provide the agreement?? I just recently had a letter back from Lowell stating that they do not have to provide the agreement as the default notice was received from the original creditor. According to Lowell it was not them that recorded the default it was the original creditor. Therefore, do I need to contact the original creditor to provide me with a true signed copy of the credit agreement. Also, I have noticed that the account was first opened in 2004 which would definitely make me underage. Please can anyone advise.
  2. Hi Any advice welcomed please. I took out a finance agreement to purchase car some 42 months ago there is still18 months to run. The car is not well and ideally I would like to be rid of it. The interest rate is also phenomenally high. I was desperate for a car at time I purchased and was grateful of any finance at the time. I was advised by a friend that if I had paid over 50% of agreement off I could cancel under the CCA 1974 s99. I have read the agreement and it states the car is the security and that the agreement is not cancellable under the CCA 1974. I have looked at a few posts and most seem to indicate car finance is cancellable. Now not sure at all. I would be grateful of any advice please.
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