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Hello Legal Beagles,
Looking for some advice.
Lowell and more recently BW Legal have been chasing and old HBOS credit card debt. They recently threatened court action and so I sent a CCA request to them. After several months they have finally responded. They have sent a copy of the signed credit agreement which looks like a copy of the original but they have also sent an extra set of terms and conditions which have far more terms and also slightly different terms. To go into detail. the copy of the original includes t&cs numbered 1-4 but the extra set they have included has t&cs numbered 1-18. The interest rates and charges also differ between the two sets of t&cs. The debt is from 2006. Could soemone explain why they have included this extra more detailed set of terms and conditions and does this make it unenforceable?
Many thanks
Looking for some advice.
Lowell and more recently BW Legal have been chasing and old HBOS credit card debt. They recently threatened court action and so I sent a CCA request to them. After several months they have finally responded. They have sent a copy of the signed credit agreement which looks like a copy of the original but they have also sent an extra set of terms and conditions which have far more terms and also slightly different terms. To go into detail. the copy of the original includes t&cs numbered 1-4 but the extra set they have included has t&cs numbered 1-18. The interest rates and charges also differ between the two sets of t&cs. The debt is from 2006. Could soemone explain why they have included this extra more detailed set of terms and conditions and does this make it unenforceable?
Many thanks
