Consumer Credit Agreement Assignment Advice

[mrjon]

I have received a demand for payment from a company called Lowell for 1900 pounds, I have attached a copy of the consumer credit agreement I received after my request, the agreement is missing some terms and conditions. Can someone please advise me if this agreement is enforceable? and if the assignment of this agreement to Lowell is effective as there is no express term in the agreement that allows assignment to another party? Many thanks.

[JK2054]

did you blur out your signature or is there no signature there?

[mrjon]

did you blur out your signature or is there no signature there?

The signature is not blurred out. Thanks.

[mrjon]

The signature is not blurred out. Thanks.

I did not alter my signature.

[JK2054]

so there was no signature?

[mrjon]

so there was no signature?

I received the agreement from Lowel and it did not contain a signature.