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Have spent the last month looking at this site and must admit am amazed at the amount of information available, especially with reference to unenforceable credit card agreements.
Which brings me to the reason for posting this entry.
I have had four credit cards for about 10 years now, MBNA, Amex, Egg, & Citi Bank and up until now I have never even considered not paying my ‘dues’ and have never defaulted or missed a single payment, but recently I have been increasingly struggling to meet the payments and reduce the balances on the account as the interest has increased to such a point that it almost eats the amount I can afford to pay.
Yes, I am a plonker for getting myself into this mess and although there are some mitigating circumstances, I was not exactly forced to get into this situation.
That said, I do feel that the credit card companies do have to take some responsibility in so much as, if interest rates were kept at a reasonable level and we didn’t have the likes of Egg terminating agreements but still expecting interest rates, (which were put up in the November prior to the termination), to apply then maybe there would not be so many people feeling aggrieved.
So, have started the ball rolling by applying for the original CCAs from the above.
Egg have replied with an original copy from 1999, and is similar to those posted on this site, Approved Limit, etc, so could be unenforceable. The rest have not, (as yet 25 days later).
I would be very grateful if someone could have a look at what Egg sent and advise if, in their opinion, it is enforceable.
Thanks for those that have looked at this post, thought I'd better just clarify...
Although the Agreement does look a lot like some of those that have been posted on this site, I would like to be sure that I have not missed anything important that is on the Agreement that would without a doubt make it enforceable.
Bosund v Egg
, Amex, Egg, & Citi Bank and up until now I have never even considered not paying my ‘dues’ and have never defaulted or missed a single payment, but recently I have been increasingly struggling to meet the payments and reduce the balances on the account as the interest
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