Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I issued an SAR to Egg and received in two separate envelopes, copies of all my statements and a copy of my agreement. Nothing else.
The agreement (taken out in Feb 2003) does not contain any reference to default charges. Does this need to be part of the agreement or is it OK to be in the T & C? They have sent T & C which refer to charges in section 17 but there is no section 17. The agreement also refers to section 16 and there isn't one of those either. So somehow these two documents don't link up.
The interest rate is shown as a monthly rate of 1.093% 12.3 % APR but then later in the document as 1.093% 13.9% APR. Clearly it can't be both? Also the agreement refers to a 0% rate applying until 1 August 2003 but in the T & C as 1 September 2003.
The agreement sent is a screen print so I am not sure whether they have the original but there is no way to tell whether both pages are the front and back of the same document.
The signature on behalf of Egg is pre-printed and dated prior to mine yet the agreement states that "this agreement will only be binding by us when we have completed and satisfied out final checks and other searches and you have signed and returned the agreement to us." Is this acceptable?
Egg - advice on SAR and CCA please :-)
to Egg
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