Lowell solicitors

[nemesis45]

Re: Lowell solicitors

await response from admin or nemesis45

Carlos/ MikeDo you see the signature panel more clearly than I is in not Capital Ones authorised signatory not your signature at all.
Another concern is one page is not numbered my feeling is the document is incomplete.
[MENTION=6]Amethyst[/MENTION] has some Capone agreements I think hopefully she may be able to comment.

nem

[Noah]

Re: Lowell solicitors

I am assuming that this was signed online as it does look like a printed signature
that is perfectly ok

As for the non numbered page , I think this is a red herring as that looks like a copy of the terms they send with the card
page 1 and 2 are numbered

here is the link to the Cap 1 T&C's but they are all quite old

http://www.legalbeagles.info/forums/...and-Agreements

Of course I am not surprised that nemesis would try to disagree with me

[nemesis45]

Re: Lowell solicitors

I am assuming that this was signed online as it does look like a printed signature
that is perfectly ok

As for the non numbered page , I think this is a red herring as that looks like a copy of the terms they send with the card
page 1 and 2 are numbered

here is the link to the Cap 1 T&C's but they are all quite old

http://www.legalbeagles.info/forums/...and-Agreements

Of course I am not surprised that nemesis would try to disagree with me

Why is that? Perhaps your attitude does no engender trust!

[Noah]

Re: Lowell solicitors

I have just had a thought though--did you hear the noise?

Is this in response to your CCA request

If so did they send a signed statement of account , it could just be a letter saying you owe xxx with a signature

[Carlosdecorator]

Re: Lowell solicitors

Yes it's a printed signature by computer. The signature at the bottom end that I crossed out looks like a hand done one, God knows who by. They've sent me terms and conditions, the scanned ones are all in small print and a few others like what each saying means is in a larger font.

[nemesis45]

Re: Lowell solicitors

Yes it's a printed signature by computer. The signature at the bottom end that I crossed out looks like a hand done one, God knows who by. They've sent me terms and conditions, the scanned ones are all in small print and a few others like what each saying means is in a larger font.

How were these document described in the covering letter?

A a reconstituted copy of the agreement of just as a copy?

It would be worth waiting to see what [MENTION=6]Amethyst[/MENTION] can come up with in regard to the agreement, before making any offers.
The decision is of course yours Carlos.

nem

[Noah]

Re: Lowell solicitors

The signature that is crossed out will be the signature that Cap 1 is required to include

I really am afraid that from what you have shown me I would not be prepared to argue for myself in court

Maybe it is time to make an offer of repayment or wait until mediation and go for a tomlin order

I suppose it depends how vital it is for you to avoid a cci , if you fight it and lose you will get one, if you pay now or make an arrangement to pay you won't -as long as you keep up the arrangement

[Carlosdecorator]

Re: Lowell solicitors

This is the only "statement" they've sent.

- - - Updated - - -

All I've received over the years are letters from the same company but "different departments" threatening this and that. No action has come of it as yet.

[nemesis45]

Re: Lowell solicitors

This is the only "statement" they've sent.

Well that's not a sign/certified current of the account.

nem

[Carlosdecorator]

Re: Lowell solicitors

Who does it have to be signed by?

[Noah]

Re: Lowell solicitors

Was there a covering letter and did it say what the outstanding balance was

It is really difficult to answer without seeing everything

- - - Updated - - -

Anyone authorised at the company who currently own the debt

[Carlosdecorator]

Re: Lowell solicitors

Covering letter attached. it came with a number of that bank statement type letter showing whats been spent, small print and then terms and conditions explaining about late payments and who "we" "you" "capitalone" means etc

[MIKE770]

Re: Lowell solicitors

seeing the original in the beginning, it seemed to me to be an addendum by hand, not the usual Capital One siggy, T&Cs seem to jump a page?

but not remember Capital One ever having wet siggy of theirs on agreements, there again-this is a leaer version?

[Noah]

Re: Lowell solicitors

I have my own Cap 1 agreement from 2005 which i am comparing it to.
Mine had a signature on behalf of Cap 1as do at least some of the agreements in the T&C's library

Mike
I may have missed something but I do not see how they have jumped a page

[MIKE770]

Re: Lowell solicitors

seems some incomplete info on one sheet, you have copies can you check against your copies?