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.
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.
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.
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).
Is this Egg CCA Enforceable
requesting my signed cca and have only had T & Cs back
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