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Please could someone tell me if my agreement is enforceable?

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I am due in court a week on Thursday for an old credit card debt which was sold to Lowell in June 2013.

 

 

I received the claim form from Bryan Carter back in September

and asked them for a copy of the credit agreement upon which they are relying prior to entering my plea.

 

 

They refused to do this and

 

 

I filed a defence on the basis that they could supply no proof of this debt.

 

 

They then sent me a Tomlin order to sign to avoid court

 

 

I again asked for a copy of the credit agreement which they again refused.

 

 

Today, they have filed their witness statement and enclosed the following document which does have my signature on it,

 

 

however this is all they have supplied together with a bunch of statements and the assignment letter.

 

 

Please can anyone tell me if this enforceable?

 

 

I would like to be prepared before I attend court,

if I don't have a leg to stand on then could I try the Tomlin order route?

 

 

Typical that the default is 6 years old in September :|

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Sorry I don't know why my pdf won't upload, I've been sat here half an hour watching the little wheel go round. Would anyone be willing for me to email it to them please?

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I have just noted that it doesn't say the credit limit anywhere on the document. It says "We will decide your credit limit and tell you what it is, We may change it at any time and let you know about any change" It is signed by me in August 2008, but there is no signature on behalf of the Bank of Scotland.....

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HOW TO UPLOAD DOCUMENTS / IMAGES ON CAG IMMEDIATELY YOU DO NOT NEED 10 POSTS

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if you dont have MSOFFICE, use openoffice its free and has a PDF converter.

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a single sheet of a4 should be about 50kb.

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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can you fill this in too please:

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**(1-Viewing)-nbsp

 

 

and a copy of your defence [suitably redacted]


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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