Hello all, hope someone can help. I sent my CCA request off to Egg many months ago and they put my account on hold whilst they searched for it. I have now received a letter from them with what they call a true copy of my agreement enclosed, but it is just printed terms. They do actually say in their letter: "The true copy provided: Reproduces the original terms and conditions of your agreement together with the original interest rates, as accepted by you at the time of the application. Doesnot include a signature box, signature or date of signature as in accordance with Regulations 3(2)(b)(11) of Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983;we are not required to provide them." Further down in the letter they go on to say: "For the avoidance of doubt the fact that you have made a section 78 request does not entitle you to withhold your regular monthly payments; as such you should ensure you continue to make your monthly payments" and they closed the complanint and told me to go to the Financial Ombudsman if I wish. So my questions : 1. Is what they are saying true? Do I have to keep paying them? 2. Do they not have to provide a 'signed copy' 3. Is the Financial Ombudsman my next stop? And what does this entail? Many Thanks

Thanks, they just called me again but I have to say I spoke to a really nice lady, sounded older and more experienced. She had me on hold for 25 minutes whilst she investigated why I was still in the calling system. She went through to the customer queries section who acknowledged everything I said and told her my CCA query was now with legal who are confident they will be able to locate the paper copy but until then she has put a 'block' on my account which will stop the calls. We shall see.

Hello all, I have requested my CCA from Egg which they have in writing acknowledged they cannot find on their systems. I have written to them telling them telling them the account is in dispute and again they have acknowledged this letter saying they will get back to me in eight weeks, if not sooner. However I am being bombarded with calls. When I do answer the calls all the operators acknowledge my account is noted with a CCA dispute but still they call. I sent Egg a letter on 12th May repeating why my account was in dispute and stating that they were commiting an offence under section 127 of the Communications Act 2003 and requested they halt all credit collection activity whilst their investigations are underway. This was sent recorded delivery and royal mail confirms this was delivered on 14th May, although I haven't had a response from Egg yet. But still since 14th May I have had seven calls. Who do I complain to about this? The OFT or the Financial Ombudsman? Or someone else?

Hello, just finishing off my letter to Egg and need some help. I asked for a copy of my CCA on 4th March and on 4th April they sent back an unsigned copy with a letter that stated they did not have a signed copy available on their systems. I am sending them now the letter that says the account is now officially in dispute and they cannot enforce the debt until they send the signed CCA. However, as their letter actually says it is not available on their systems should I amend the letter I am sending them to say " in view of their reply advising they do not have a signed CCA that I trust they will now bring the balance of the account to zero"......or has anyone got a better way to put this? Thanks Gerbera.lady

I have just copied the account in dispute letter to send them. Yes I am still paying them at the moment, I haven't cancelled my direct debit. I thought I shouldn't do that until after I send the dispute letter and allow them their timescale to reply. Would you agree?

Hello, Need your help. Following reading a few of the threads, I applied for a copy of my CCA from Egg and after three letters they sent me back a copy of their standard terms and conditions with a letter that states ' Further to your recent request, I have pleasure in enclosing a copy of your terms and conditions in accordance with your rights under the Consumer Credit Act 1974. Unfourtunately we are unable to enclose a copy of your signed credit agreement, as it's not available in our systems.' Does this act as an admission that they do not have one and therefore make the debt unenforceable? Many Thanks, Sam