Just a note, upon reading the credit act-(what lovely bedtime stories) under section 76, subsection 1 ©, my understanding is that they do infact have the right to terminate the agreement. Then upon refering to section 99 (2) my understanding ( which may infact be wrong) is that it does not affect liability for any outstanding amounts. Have I missed something glaringly obvious? Is it that they forfeit the right to claim back an outstanding balance upon doing so?

Hi Kirklanw, Send them your letter by post recorded delivery, take a look at my thread lollipop vs egg or cosalts thread response to our cca request, and under zero circumstances telephone them or accept calls from them. They have dodged the question and until they answer it they are.........well stuffed. And don`t send anymore emails-I`m not saying that it is wrong as such, just that there is a temptation to engage in a discussion you may later regret having just because it is there and convenient. Cool heads, and steady hands................

Well it sounds pretty good to me, let`s hope we all get our day in court, the days of grinding consumers down are over-if they are indeed reading these forums I hope they get a good look at some of these current threads..

I did indeed receive the termination letter-hence my particular interest in your thread. I will be adding that in my letter also. My ultimate response is from a Pink Floyd song; "there is no pain, you are receding............." I do not take any of the actions I am about to take lightly, but.......................There is no such thing as debtors prison anymore, I am in deep doo doo money wise, and either they listen or they get nothing.

They sent some of them BUT there is a question mark over a few of them-I`ll find the link and post it later tonight or tomorrow morning for you Livis, other than that I got a load of screencaps of their website which are completely irrelevant as they do not refer to my agreement at all. I want to go for a "cards on the table" effect-I won`t play silly beggars but they had better understand that I won`t tolerate it if they do either. I will make myself fully acquainted with UK law. I don`t particularly care if they trash my credit file ( but they`d better be careful, because I`m watching them now!) -I won`t be borrowing again EVER, but I do expect them to understand they have a duty to abide by the law-I`m sick of hearing them spout it at me after all!!!

tut tut tut.

Hang fire for a few hours- I have decided to send it tomorrow morning after I have had another look at the credit act with the intention of including some terms about the lack of a right to cancel an agreement-as it is a "cancellable agreement". I can draft letters quite well-it was my job once, it`s just the logistics of it I am lost with at the moment, which is why this is a great site. PS you can copy this letter at will, I only hope you are aware I am not legally qualified-although I rather suspect after all of this, I may as well be.

And big thanks to militantconsumer, you posted at the same time as I did practically.

edited to avoid confusing myself ............................letter under editting.

You are both just brilliant individuals-I hope you know this, thank you so very much. This site is wonderful-if I am successful I will be donating-I guarantee it.

Couldn`t log on this morning for some reason, I haven`t yet sent the letter off, I am still not happy with the wording and hoping for the experts to have a quick peek before I make my move. So just a couple of particular questions- the part about the limitations now placed on Egg from processing any further data with a CRA-is there somewhere that has the specifics so I can paste that to it? If there are any further suggestions please just tell me about them-anything and everything will help me. Pops edited to save confusion

I`ll post up what I write-trying to put the finishing touches on it at the moment. I hope it goes well,

OH was checking the credit act last night and he says it mentions that all copies should have the right to cancel on it or a judge is precluded from enforcing the agreement-maybe he misread it-it is a bit mystifying at first read. I am following the thread myself and sending my account in dispute letter via registered post tomorrow morning.

Also-just a quick thought, there are a lot of CCAs on here from EGG recently and they are all worded exactly the same. If I were running the company I would definitely know they are unenforceable and played silly beggars with people asking for them. No trouble when I asked for mine. I don`t like it when it looks too good to be true-because it usually is. Just makes me wary.

Hi again Livis Yes it is the exact same one they sent me too-they must be using a lot of printer ink. http://www.consumeractiongroup.co.uk/forum/egg/177463-response-our-egg-cca.html A lot of info is on the above thread-pretty much as you know, no term "credit limit" and no cancellation rights. As there are so many of us in the same boat asking the same questions I am thinking it might be worth one or two of the very clever bods on here to just leave a comment that would help us all. I am also trying to word a letter putting the account in dispute but I want it to look like I know what I`m dealing with. Although it is nice to know you aren`t in it alone, I don`t want to jump to my death-holding others hands whilst I do it won`t stop it from hurting when I land ( sorry bad analogy)

Mottle, can`t you rent them out at all? That way some income can be brought in at least.

I think you`re probably right-but it`s not as bad a day as he will get if when it comes back it`s unenforceable.

Hi Cas, there are quite a lot of us now who have the eact same issue-the wording approved limit as opposed to credit limit and no right of cancellation. http://www.consumeractiongroup.co.uk/forum/egg/176697-letter-egg-response-cca.html I`ve put a link to another thread I found useful too.

HI Cas, I got it back from a CCA request. I know there is a difference between an improperly executed agreement and an unenforceable one, so I think the term credit agreement rather than credit card agreement only makes it improperly executed. Any thoughts on the lack of the term credit limit and lack of right to cancel?-Am I correct then?

very odd indeed this question, I too didn`t sign it but got my CCA back no questions asked. Course it isn`t enforceable but that`s their look out.

Hi Livis, First find your thread in the list, don`t go into it just right click it and then click "copy shortcut", come back to this thread ( if this is where you want to put it, open a reply screen, rightclick again and paste, it won`t show as a link properly until it`s posted. Hope this helps, there are lots of v bulletin boards and it works the same on all of them.

Anyone??-I am going to use Cosalts letter as a template and add the bit about there being no cancellation. Just some assistance ie am I correct to put that in?

Oh Love, it will be alright you know, it seems awful at the moment but it isn`t too much for you to bear. Your right to think of your kids, they will pull you through. Sending you my best wishes.

Also, as I am about to send a dispute letter (please see my thread lollipop VS EGG) I ask there where is the right to cancel on the above agreement? Or is that not relevant? http://www.consumeractiongroup.co.uk/forum/egg/180949-lollipop-egg.html

Hi Bainmarie, I can`t say whther it`s a good idea or not as I am on the first rung of the ladder, but I can tell you that anything is better than worrying yourself sick about it. There is no such thing as debtors prison anymore and they can`t have what you haven`t got can they? It`ll be alright in the end and if you just keep paying them what you have said you will pay them until you get the CCAs back there isn`t anything they can or will do about it. If the CCAs come back wrong you have them by the proverbials, if they come back right then you take a different course and there are letter templates that take you through that process too. I was very worried until I found this place, and now I understand that the consumer credit act affords US protection aswell as them I do feel better. I know it seems a mountain at the moment-have a read through the cheekiness to a DCA thread and have a chuckle. It`ll be just fine.