Is this Egg CCA Enforceable

[Montague123]

Hi All

 

I have sent two letters to Egg requesting my signed cca and have only had T & Cs back

 

However 3 weeks ago i sent a final settlement figure to them to end this saga and suddenly i was sent the below

 

I would really appreciate if anyone could look at it and advise me if its enforceable or not - its from 2001

 

I am fairly new to this and would appreciate any help

 

Unfortunately i am unable to use photbucket so if anyone would be kind enough to send me their email address i can email the PDF to them.

 

Thank you so much and i relaly do appreciate you guys help

 

many thanks

 

Montague

 

 

 

 

 

[cds]

Why don't you just attach the pdf to your post the more people who see it the better.

 

cds:)

[Montague123]

I would really really appreciate any help or comments

 

thank you

 

Montague

egglee.pdf

[angry cat]

Hmmm, now that looks unenforceable to me.

Others may disagree:

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html

 

AC

[cds]

there is general concensus on here that these agreements are unenforceable due to approved limit instead of credit limit. Read the link from ac and decide for yourself.

 

cds

[Montague123]

Thank you all so much for your help and responses

 

I guess its unenforceable then

 

I have read all the info re pre 2005 egg agreements and just to be sure - sorry to keep asking

 

But is this enough to stop paying Egg??

 

Thank again

 

Montague

[cds]

Only you can decide that but with what you've got and the case law now available (albeit first stage court) from pt, you will have a decent chance of getting a favourable result in court if you get that far. Personally I haven't heard anything from egg for months after sending my account in dispute letter.

 

cds:)

[Montague123]

Thanks guys for all your help

 

Cancelled my Direct Debot today and sent a letter off saying thank you for the signed CCA but it is unenfoceable due to ........

 

See what they say

 

Really appreciate everyones help

 

Montague

[militantconsumer]

I agree that there is a consensus on these agreements being unenforceable.

 

However, an important thing to bear in mind is your credit rating.

 

Have you been defaulted on this account?

 

If not, you will get a default as soon as you stop paying, and this will cause you problems for at least 6 years. Not just in obtaining credit but in getting a normal bank account or joint financial products with other people such as a partner.

 

The only way that I am aware of being able to prevent your credit rating being trashed is to win an unenforceability case in court and then get an injunction against Egg. This is obviously a long and involved process (two processes in fact).