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2 defaults fo rsame debt and unenforceable agreement in my view hekp

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Had Capital 1 card now sold to Lowell debt collectors . Had copy of agreement but has no limit , no interest rate , no minimum payment no cancellation rights and terms and conditions supplied are for now not when taken out so in my view not enforceable .

Lowell have entered default also on my file is Capital 1 default for same amount around £1500 , penalty charges amount to around £400 with compound interest rather than 8% this is another £600 making a £1000 .

My questions are as follows

Should I go to court against Capital 1 for the charges

Also go to court re illegal default as it includes unfair / penalty charges

Go to court against Lowell re unfair penalty charges and default as well or go to court against both in one case ?

Also in case say to court whole debt is unenforceable ?

Im fed up of letters / thereats from a string of dca and want to put an end to it

Advice please regards Gaz

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You need to post this in the debt forum, you will get a lot of advice re lowells there




Getting There Slowly



Advice is given freely but is in no way meant to be taken as Gospel:-)

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