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If you can't read it all then it's not clearly legible by that very fact.COMPLETING AN N180 DIRECTIONS QUESTIONNAIRE (SMALL CLAIMS TRACK) GUIDE
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It's not a question of whether the document is legible, it's whether an illegible document could be remedied (or not) by the debt owner producing a reconstituted version to complement it.
Section 77-79 CCA is for 'information' purposes not 'proof purposes' if/when argued in court.
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Photobucket is very slow so have just done a screenshot for you here.
The one on the left is "your copy to keep" and the one on the left is "to sign and return to Next" address ( hence the scissors bit in the middle ) and obvs not signed and dated so it is a recon, the question is it the right recon?. Have you ever seen this before? When was the account opened ? Did you have a 'Directory Card' you could use in Next stores?
cca2.png2. By signing this agreement you are requesting us to send you (at our discretion) a Next Directory Card. Upon receipt you must sign it immediately, keep it in a safe place and not let anyone else use it. You can use your Next Directory Card to make purchases from such Next Group plc stores as we may advise you of from time to time. The Next Directory Card remains the property of Next and we can withdraw, recall or replace it at any time. If your card is lost or stolen you must tell us immediately.We may not win by protesting, but if we don't protest we will lose. If we stand up to them, there is always a chance we will win. Hetty Bower
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Have you checked your credit file ?
Also so have you moved house at all, maybe shortly before these agreements were allegedly taken out ?We may not win by protesting, but if we don't protest we will lose. If we stand up to them, there is always a chance we will win. Hetty Bower
Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.
Received a Court Claim? Read >>>>> First Steps
If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
Find Solicitors offering fixed fees on our sister site - JustBeagle.comComment
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With the mobile phone, maybe a SAR to your service provider. Is it Vodafone by any chance?Comment
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