Hi all, I also have the 2 page CCA from ARC for a 2002 EGG card, although interestingly enough DLC have failed to get it for the last year.. Anyway, any chance of an update from those of you who have been at this for years with EGG?

Hi there, Well I've been reading for the last few hours! Very interesting stuff but I see a distinct lack of resolution with most cases! Are they just "hanging around". I thought it better to start my own thread rather than disrupt this one too much so here it is: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/159972-ns-egg.html#post1714560

Thought I would be better starting my own thread on this one. Here's a very potted history: - 2/2002 EGG card taken out - 11/2006 EGG card was sent to DLC - 8/2007 CCA sent to DLC - 8/2007 to date - No agreement was forthcoming, so payments were stopped. DLC send a letter every month saying "still waiting for copy agreement" - 7/2008 - EGG sent to ARC - 8/2008 - Told ARC to sod off as I have been waiting for CCA for over a year - 8/2008 - ARC write to ask if I acknowledge the debt. - 9/2008 - ARC sends 2 page document: http://i383.photobucket.com/albums/o...2008/egg1a.jpg http://i383.photobucket.com/albums/o...g2008/egg2.jpg The covering letter just says "we await a reply to our previous letter". I suspect they just want me to write and acknowledge the debt, which makes me suspect they don't think the agreement is enforceable. Have read a lot of the threads on here regarding no T&Cs, no default charges and possible reconstruction. I'm thinking I should write to them along the lines of: "Thanks for the document you sent on 11/9/08 in response to my request made on 6/8/07 under the Consumer Credit Act. I have a few issues with the enforceability of this document, as it does not comply with the Act. For example, there are no default charges in the document, and it is not complete. Page 2 refers to 'Credit Agreement Conditions' which you have not attached. I do not believe therfore that you have satisfied the requirements of the act. Please forward the remainder of the documentation"

Hi All, Thanks for all the replies! The letter was folded in 3 when it came, however there are lines that look like they come from a scanner or photocopier on both sheets, in different places. I can't see anything to indicate that one is the reverse of the other, and there are no identifiable links between the two. I had heard that egg scanned these documents and destroyed the originals, but I guess there's no way of finding that out - except by going to court! Eeek! The problem I have now is that I was originally making token payments of just over £20 (the total is 11K), sent the CCA off and stopped paying when they failed to send the agreement. It's over a year since I asked for it and I've been telling them to get stuffed since then. Seems very odd to me as it was passed to a new DCA about a month ago, I can't understand how they got the agreement when the original one couldn't. So now I don't know what to do.

Hi, posted on photobucket: http://i383.photobucket.com/albums/oo276/no-smoking2008/egg1a.jpg http://i383.photobucket.com/albums/oo276/no-smoking2008/egg2.jpg Thanks

post 5!

Post number 4

JUst sorted photobucket but I'll have to make another 3 posts before I can post links ;-(

That's odd the file I uploaded was 500KB, but the one here is actually only 8KB - it must convert them in the process. Any idea how to get round this?

Hi there, my first post on here! After over a year being "on hold", EGG seem to have found my agreement 8-( Could someone have a look and advise if there are any issues with it? Thanks