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Hi, a friend (on severe disability) has been sent a letter from Cap One saying they have sold her debt to Lowell Financial Ltd for an alleged credit card debt of £3514.04 (31/05/18).
My friend does admit using the credit card but is adamant she DID NOT sign any forms (credit agreement) however, I am sure this can not be the case, she insists she hasn't.
Apparently, she started off with a limit of £150.00 which she paid through an exes bank account every month, and even though always being on benefits they increased this allowance up-to £2500.00. My friend and her ex split and she missed all payments after that. So I assume the extra amount is charges? She thinks her last payment through the exes account was 3 years ago?
So I was wondering;
1) Is it at all possible she is correct that she has not physically signed a credit agreement?
2) If C1 has issued her with a credit card to spend over £3000.00 (without a physical signature) - is this their mistake? therefore they have "sold" the debt to Lowell as they know they legally are not in a position to insist my friend owes the debt?
3) If my friend has indeed signed a credit agreement, due to mental health disabilities can she get some legal advice/support. I cannot see how she can pay this amount back on her benefits.
Many thanks.
My friend does admit using the credit card but is adamant she DID NOT sign any forms (credit agreement) however, I am sure this can not be the case, she insists she hasn't.
Apparently, she started off with a limit of £150.00 which she paid through an exes bank account every month, and even though always being on benefits they increased this allowance up-to £2500.00. My friend and her ex split and she missed all payments after that. So I assume the extra amount is charges? She thinks her last payment through the exes account was 3 years ago?
So I was wondering;
1) Is it at all possible she is correct that she has not physically signed a credit agreement?
2) If C1 has issued her with a credit card to spend over £3000.00 (without a physical signature) - is this their mistake? therefore they have "sold" the debt to Lowell as they know they legally are not in a position to insist my friend owes the debt?
3) If my friend has indeed signed a credit agreement, due to mental health disabilities can she get some legal advice/support. I cannot see how she can pay this amount back on her benefits.
Many thanks.
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