Thread: Egg CCA - enforcable?

Moobelle you are not blacklisted, more likely A-listed.
Mod Steven4024 is the expert on the 5(?) criteria determining a valid enforceable CCA. He is busy patrolling many forums but no doubt will see this soon. Or you could draw his attention with a PM, but he will not reply to a question posed only within a PM.

Or you could SEARCH, ADVANCED SEARCH, and nominate poster as Steven4024, and insert keyword "CCA", and display as post, not thread.
There might be a problem re the shortness of "CCA" as a searchstring. If no joy specify "signature".

Your photobucket pic requires a double magnifying glass, might be better if you verbally describe what there is on it, in particular the signature and date.

Good luck.

As I remember there is an issue about a CCA being on one piece of paper, two-sided if need be, presumably so that the likes of Arfur Daley do not insert a page separate from the signed page.

If your two sheets are the two sides of one piece of paper, do say.

PS. Whether a letter is printed or handwritten would not matter much I would think. Eggployees have clear guidelines on how to respond.

Egg agreements are considered compliant with CCA, so basically this IS enforceable.

Originally Posted by Mistermind

Mod Steven4024 is the expert on the 5(?) criteria determining a valid enforceable CCA.

Till I came back

Originally Posted by 8.1 What are ‘prescribed terms’?

S61(1)(a) CCA provides that, for a regulated agreement to be properly executed, it must contain all the prescribed terms of the agreement and conform to regulations under s60(1) – see Q1.14.

Reg 6(1) provides that the terms specified in Sch 6 to the Agreements Regulations are ‘prescribed terms’ for the purposes of s61(1)(a) and s127(3) – see Q8.2.

8.2 What if prescribed terms are missing or incorrect?

s127(3) provides that the court may not make an enforcement order unless a document containing all the prescribed terms of the agreement was signed by the debtor – see Q1.21.

If therefore any of the prescribed terms is missing, or incorrect, the agreement is not enforceable against the debtor, and the court is precluded from making an enforcement order.


8.3 What are the prescribed terms?

The prescribed terms specified in Sch 6 are as follows:

* amount of credit – see Q8.

* credit limit – see Q8.5
* repayments – see Q8.9.
* rate of interest – see Q8.6

Sch 6 was not amended by the 2004 Regulations.


Also check out Peter Bard's excellent thread on the subject: http://www.consumeractiongroup.co.uk...ceability.html