Thread: Rogue vs Egg CC

Hoping for some advice please.

I sent the template CCA request back in May, which Egg responded to within 12 days, asking me to confirm my identity with signature. Yes, nice try.

Sent off the templated letter to deal with this with utility bill then heard nothing until middle of July, when they sent me 3 pages of copies and 6 pages of Credit Agreement T&Cs, printed on new egg stationery:

1st page shows the 1999 Prudential Banking main financial terms which state the "Approved Limit" and "Individual Limit" so often discussed as unenforceable
2. shows my and their dated signatures under the heading "credit agreement regulated by CCA 1974"
3. copy of direct debit

This was enclosed with a standard letter from Head of Uk Consumer transaction services.

My question is what should I do now? Are these docs legally enforceable or not? What and how should I next proceed? If I send the "account in dispute letter", should I also cancel their direct debit?

Any advice welcome!

I think the view on here is that this probably isnt enforceable. As I understand it, there are cases being heard in Manchester and Cardiff that may provide some kind of precedent, but dont expect a definitive view too soon, as if Egg lose they will appeal, and if they win there are a lot of people who stand to lose so there could be a group appeal from the other side.
Could be a long running saga and my own experience is that at the moment Egg are sitting tight.

Thanks seriously.
Can I ask whether you have cancelled your DD to Egg, on grounds on unenforceable CCA?

I need to understand if this is the next action from my side, or would this be seen as being premature? If I am disputing the legitimacy of the CCA, surely I should not be paying them?

Sorry if this is a daft question, just want to make sure that I do not do anything which is going to make me fall into their traps.

Thanks

No I cancelled it on the basis that I was skint and just couldnt afford it. HOWEVER, once an account goes into dispute, as I understand it, the lender cannot add (or SHOULD not) add interest, charges etc and cannot enforce collection. So if you put the account into dispute for a valid reason (and it would seem to me that "approved limit" is reasonable) then you have a legal basis not to pay until the dispute is resolved.
Of course, the problem is that very often they wont recognise that there is a dispute - they will contend that "approved limit" is ok and that there is no dispute, so you should pay, they should add interest and as many charges as they can think of.