Me v Capquest EGG card

[woodwa5]

The SD was just a threat and

 

the credit agreement was the usual egg crap.

 

No signature, wrong wording etc but in the current climate probably not worth pursuing. T

 

he main issue for me is, under what circumstances is the interest rate on the old card, no longer chargeable by the new debt owners?

 

I say this because this was a completely delinquent account and has since dropped off my credit record

[dx100uk]

unless you have a termination notice from the OC

 

the buyere inherits all rights

 

and can levy int at the card rate.

 

pers i dont know why you continued to make payments from 2009.

 

the agreement is pre 2007, so to goto court

 

they must have a signed one

 

dx

 

 

dx

[woodwa5]

And all of the other issues regarding unenforcable credit agreements, are they still relevant if it is pre-2007. Also, are they allowed to levy charges?

 

Thanks for your advice on this

[dx100uk]

if they are PENALTY charges

 

they can be reclaimed

 

dx

[woodwa5]

Thank you. I guess the best way forward is to get a breakdown of the account and look into the legality of the agreement and the transfer between the two (egg & Capquest)