Valid consumer credit card application

[maccadad]

Help please,
I have just found a copy of my original application for a credit card I applied for back in 2002. In the address box it has my wife’s name and address, but the rest of the information is all mine, including the signature. Also I have scoured through the small print and can find no details stating that they can pass any debt on to another party.
Question 1 is this legally enforceable?
Question 2 on the background of default on this account I was taken to court and now have a CCJ and debt secured on my jointly owned property, can I do anything about this?
Any help is greatly appreciated.

[atticus]

Q1. Probably yes. I take it that you have found nothing that prohibits assignment.

Q2. If the charging order is only on your interest in the jointly owned property, then it is likely that a Form K restriction is shown on your Land Registry title. Dealing with these on a sale of the property is straightforward - https://legalbeagles.info/forums/for...itle-for-house

[maccadad]

Q1. Probably yes. I take it that you have found nothing that prohibits assignment.

Q2. If the charging order is only on your interest in the jointly owned property, then it is likely that a Form K restriction is shown on your Land Registry title. Dealing with these on a sale of the property is straightforward - https://legalbeagles.info/forums/for...itle-for-house

Thanks for your help, I think I have read somewhere that the only way a debt can be passed on was if it was written in the small print?
I have had no notice of Assignment, I have asked for proof of a Deed of assignment but have not received any response.
I really don’t think they have acted professionally but need a legal loophole!

[atticus]

Notice of assignment is a necessary step.

[maccadad]

Notice of assignment is a necessary step.

Does this need to come from the original creditor?
Would this and the legal Deed of assignment be part of an investment portfolio purchased by a DCA.
Appreciate the information

[atticus]

q1. no
q2. possibly.

[maccadad]

q1. no
q2. possibly.

I’ve been told I cannot have a copy of the Consumer credit application or a notice of assignment or a copy of the Deed of assignment due to the age of the debt, I am seeking further legal clarification but any further advice would be appreciated.