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This 2-sided document was sent by Bryan Carter in response to a CCA request to Lowell. It has been personalised with details and purports to relate to an account opened in 2005 and defaulted in 2009. However, the default charges are £12, not the £20 they were in 2005 and confirmed in the V10# T&Cs they sent in the same CCA request. The BT call rates in this doc are 5p pm, compared with 7p in the T&Cs V14# that they sent.
This looks like a pre-2005 document that has been adapted to look like something that was sent in 2005.
This looks like a pre-2005 document that has been adapted to look like something that was sent in 2005.
