Please could someone tell me if my agreement is enforceable?

[Natlou]

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

[Natlou]

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?

[Natlou]

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.....

[dx100uk]

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

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG

YOU MUST ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

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ENSURE: To leave all Monetary Figures and Dates.

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DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

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1. SCAN YOUR DOCUMENT

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- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

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- Don't forget you can use a mobile phone or a digital camera too!!

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- If you have multiple scans/pictures please put these into a WORD DOC first ensuring you have removed all Personal Information before converting to PDF.

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

- IPHONE ONLY: Take a picture and Convert to PDF via an APP

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2. HOW TO EDIT (Remove Personal Information)

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- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

PLEASE TRY AND REFRAIN FROM POSTING FILES OF +1Mb in size

a single sheet of a4 should be about 50kb.

.

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3. HOW TO CONVERT YOUR DOCUMENT TO PDF

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- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

- If you have PDF as an installed driver use this program and save as PDF.

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OR Go to one of the many free online pdf converter websites:

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- http://freejpgtopdf.com/

- http://www.convert-jpg-to-pdf.net/

- http://www.freepdfconvert.com/

- http://www.pdfmerge.com/

- http://www.primopdf.com/

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PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

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4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

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- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

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- For Example: Default Notice DDicon-MM-YYYY.

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IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

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5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

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- In your Thread/Post open a new msg box here.

- Click 'Go Advanced' below the msg box.

- Click 'Manage Attachments' below that box.

- Click the 'Add Files' button on the top right.

- Click 'Select Files', navigate to your file(s) on your PC.

- Click 'Upload Files'.

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- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

- You can click on your links to check them too!!

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[dx100uk]

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]