Hi all,

I CCA'd an old EGG loan that had ended up with Arrow/NCOEurope last July and had a "we're looking for your agreement, please keep paying" letter in October,

although they did say they didn't accept the were the creditor and returned my postal order.

I had been paying them on a payplan agreement from August 2004 to August 2016, stopping after sending the CCA request.

Today, they've finally provided something and it looks pretty genuine to me,

although it's prefaced by an "OFT deems reconstituted agreements acceptable" cover letter.

Two yearly statements are also attached covering 2008-2010.

The loan was for £6000 and taken out in April 2004.

I defaulted in August 2004, and the amount left is £2753.25.

They now want me to provide a proposal for repayment.

do I try calling them on the agreement?

It's got my signature on it,

but doesn't include the full terms and conditions.

Or do I bite the bullet and offer them a full and final?

I've no wish to be drip feeding them money for the next few years...

Thanks in advance for any advice.

They need the original pre 2007. Arrow know this.

From what youve said, they havent even given you a compliant reconstituted one. So dont even consider offering them a penny.

scan up what they have returned to ONE MULTIPAGE PDF FILE

follow the upload

Thanks, I'll get onto it!

Here we go - this is everything they sent through...

name on 1st page letter

att hidden

dx

where are the T&C's?

dx

Sorry, amended PDF attached. No terms included - everything in the PDF is what they sent. I should expect a couple of pages of terms as well, shouldn't I?

CCA_Reply_15_02_17_edit.pdf

Just had a thought - Am I right in thinking that only the original entity can reconstitute the credit agreement? Egg don't exist now, so it must have been reconstituted by Arrow/NCO, so wouldn't be valid even if complete?

Also, I should have posted in the DCA section...

no it concerns egg it goes in the forum where we put it.

the owner of a CCA regulated debt can produce a recon agreement

though ofcourse they would need to attain that from the original creditor

whom in this instance is either Barclaycard

or I believe citi finance

hence the Canadian square address now for EGG data centre.

theres no T&C's so at present they are stuffed

Thanks for the reply - sorry, I thought I'd got the thread location wrong myself, thanks for putting me right.

Is it worth letting them know I won't be paying unless they come up with T&C's or should I just sit tight?

sit tight