I am being pursued relentessly for a very old credit card debt. The agreement allegedly started 02/03/04. The collection agency is called Lowell Portfolio 1 and I have decided to fight back rather than just pay up! They say I owe £915.
Not understanding the law at the time I asked them for a copy of the credit agreement and statements of account verbally on the phone, with hindsight this was a mistake, I should have put it in writing! The statements arrived first followed 3 months later by the credit agreement! To my horror the so called credit agreement allegedly signed by myself had a completely different account number to those on the statements!
I then wrote back telling them they had 12 working days to produce a copy of the original credit agreement bearing the correct account number. They keep sending me letters now saying that capital one are attempting to retrieve this information from their archives...
I did have a credit card debt with them once but I paid it off when I received money in 2008...I no longer have the information to hand.
It has now been more than 12 days, and I believe that if I don;t receive the correct information within a month they commit a criminal offence under the consumer credit act...does this mean I am in the clear?
I am pretty sure I don't owe this money.
The account was allegedly defaulted on but no record has ever been posted on my credit file!
Not understanding the law at the time I asked them for a copy of the credit agreement and statements of account verbally on the phone, with hindsight this was a mistake, I should have put it in writing! The statements arrived first followed 3 months later by the credit agreement! To my horror the so called credit agreement allegedly signed by myself had a completely different account number to those on the statements!
I then wrote back telling them they had 12 working days to produce a copy of the original credit agreement bearing the correct account number. They keep sending me letters now saying that capital one are attempting to retrieve this information from their archives...
I did have a credit card debt with them once but I paid it off when I received money in 2008...I no longer have the information to hand.
It has now been more than 12 days, and I believe that if I don;t receive the correct information within a month they commit a criminal offence under the consumer credit act...does this mean I am in the clear?
I am pretty sure I don't owe this money.
The account was allegedly defaulted on but no record has ever been posted on my credit file!