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Lowell sent a letter to me about a Vodafone bill outstanding. I do not recall having anything to do with Vodafone. I have checked my details on clear score and in there no records or history of Vodafone. We sent lowell a prove it letter and also court papers came with the claim form. We wrote a defence and sent it by special delivery. Today we received a letter from lowell and they say a telecom account is not regulated by consumer credit act of 1974. Therefore the original creditor is not obliged to provide us a copy of the agreement. It goes on to say further the account was taken out 27 August 2011 with a telephone number provided. It also says that they are no longer registered by the financial conduct authority. It says failure to respond to this will result in a ccj against my name. What advice could you give.
Maria
Maria
