Egg CCA - Need help to know if enforceable or not please

[fdpm]

Hi

 

Have recently received bundle of papers from Bryan Carter in response to CCA request and not sure if the CCA from Egg is actually an agreement or an application form posing as an agreement?

 

It was taken out online back in 2005 and starts at top of page saying it is a CCA regulated by the Consumer Credit Act 1974.

 

Under a heading Key Financial Information it has the following:

1. Credit Limit - some blurb about them sertting and telling me the credit limit from time to time

 

2. Repayments - about minimum payments

 

3. APR

4. Interest

5. How repayments used

6. Total Charge for Credit

7. Charges

 

Missing Payments

A bit to read about my rights

Theft, Loss or Misuse

 

A box saying about sign it if you want to be legally bound - with a tick and date

 

Another box with a tick saying Signature of Lender and date

 

Then it says - by submitting this Agreement to us, you confirm that you want us to issue you with an Egg card ....

 

They have also sent me pages and pages of screen prints that state Legal Information -

 

I will try and copy these up if needs be, but just wondered if anyone could give me some advice??

 

Thank you

[dx100uk]

moved to the egg forum

 

time to do some reading.

 

dx

[mills1]

Reading your post initially it looks like an online application, similar to mine, which some say is quite legit, but will sub anyway ;-)

Good luck.