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Everything posted by sirfris

  1. Hi All, I have the standard egg agreement (1999) with "Approved Limit", Apr and cash withdrawl interest issues making it unenforceable (I hope). I am still paying my minimum payment so not in default. My question: Has anyone written to Egg pointing this out and offering them a nominal amount say 10% of balance as full and final settlement? I was going to say I have had the agreement reviewed it is unenforceable and hence I am making this offer instead of paying the same amount to a solicitor and dragging them through the courts to get a decleration of unenforceability.
  2. sirfris

    Lollipop VS EGG

    I am plodding along dancing to the Egg tune myself (requested CCA, not signed, requested again, not signed etc) My question is, has anyone managed to dispute their Egg card based on unenforceable agrrement and NOT had a default put against them? As we all know this is in breach of the law but Egg seem to think they are above the law for some reason! I am keen to dispute my account but can do without a default as my mortgage renews in 3 months time and I want to be able to shop for the best rate. Many thanks, keep up the good work all and together we can ensure humpty dumpty has
  3. sirfris

    Sirfris v's Egg

    I do not have any late payment charges and to the best of my knowledge I never took out or have ever seen any PPI charges on any statements. Knowing how the banksters create the debt in the first place and knowing they may have slipped up with these agreements. It would be nice to give them a dose of their own medicine. I shall investigate the unfair interest rate threads. Thanks again.
  4. sirfris

    Sirfris v's Egg

    Many thanks for your advice it's really appreciated. Are you saying you can take out an injunction to stop them from putting a default on your file? Or fighting to get it removed once it is placed on my credit file? I was niavely thinking I could prove the CCA was unenforceable or non existent (if they dont have one) and get things sorted whilst paying the minimum payment and avoided a default. I'm now realising that Egg are unlikely to play fair and abide by the law and default me whilst in dispute. Is one default a really bad thing to pick up your credit file I guess s
  5. sirfris

    Sirfris v's Egg

    Hi all, this is my first post and I'm after some advice having spent hours and hours reading up on this subject on here. I have an Egg card taken out years and years ago and think it was done online around 2000. I am not in default and paying the minimum payment each month. I sent a template letter for my CCA along with the £1. Egg banked the money and sent me their standard T's+C's along with 2 pages of new conditions which come into effect 28th May 09 and a copy of a standard credit agreement. (NOT mine no name, sig etc) I ammened my original CCA and resent by Recorded deliv
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