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catalogue credit agreement

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hi i wonder if someone would be kind enough to give me some advice regarding the above.i fell into debt with marshall ward catalogue and received letters from lowell requesting payment.i sent off asking for the original credit agreement which they requested from MW.i have received an agreement which was about a month outside the 12+2 days allowed.also the agreement they have sent isnt the original catalogue agreement but an agreement that turned the catalogue debt into a fixed loan debt which was signed by me after falling into arrears with MW.please could someone advise me the best way to proceed,many many thanks in advance

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