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crap one credit agreement


lalou
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hi

a while back i posted to say that lowell were persuing my husbund for money on a credit card we didnt know exsisted!

 

well after many months they have sent the application certificate!

it has a little box at the bottom saying credit card agreement then there are several pages of bumf it doesn't state a credit limit ???

to be honest im at a loss, the signiture looks like my husbunds but he had a car accident after this was taken out and is severley brain injured he has no memory of this debt and when i took over the finances i have never seen a bill for it!!! i dont know what to do i shall scan this in and then see if any of you clever people can help!!!

 

thanks

 

lalou

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If you upload them to TinyPic - Free Image Hosting, Photo Sharing & Video Hosting & then copy and paste the URL back here we'll be able to see them.

 

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Is there anything else with his signature or which could be the reverse of that form?

Anthrax alert at debt collectors caused by box of doughnuts

 

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Vir prudens non contra ventum mingit

 

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As a matter of interest, I've just noticed that you said you didn't know anything about this card. If you haven't made payment or acknowledged this debt in writing for a period of six years it would be Statute Barred anyway.

Anthrax alert at debt collectors caused by box of doughnuts

 

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Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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the pages that came with it have

this is the agreement between you and us

 

1. use of your information

 

2. issuing the card and credit card cheques

 

3. extra cardholders.

 

4. credit limit (describes what it means but not the limit that has been set for the card??)

 

5. protecting your card

 

6. pin and password

 

7.using credit card and cc cheques

 

8. monthly payment

 

9. monthly statement

 

10. financial and related particulars

 

11. prepayment

 

12. other charges and default charges

 

13. foreign transactions

 

14. optional payment insurance

 

15. default

 

16. lost or stolen cards

 

17. notices and address

 

18.variation

 

19.closing your account

 

20. ending your agreement

 

21. general

 

22.definitions

 

23. governing law

 

24. allocation of payments

 

your rights

 

if you need to see any of this i cn scan it just say which one you need

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i have not made a payment to them since i took over my husbunds affairs which is just under 6 yrs ago. he is brain injured and so doesnt remember anything before 2004 (2003 was in a bit of a haze pain medication brain scans etc) i would have known if he had had this card so cannot work it out. we never had letters or anything about this until lowell started hounding in febuary!!!

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Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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They have to prove it's not Statute Barred. If they manage to do that we can then argue on the enforceability of the CCA, either way it will drag it out long enough until it does become statute barred. ;)

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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In all probability it's statute barred, Lowells specialise in these types of debts but even if it isn't the CCA is unenforceable anyway. :)

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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