nice one! Thanks for that.

Having received cca from egg with no T&Cs or cancellation rights, I wrote to Egg telling them I thought it was unenforceable. They have since written back asking why I think it is unenforceable. My question is this, do I carry on paying them and should I write to them and tell them why I think it is unenforceable? Thanks for any advice you can give.

ok thanks - will do, thanks pinky

sorry to bump this one up again, but I received the application form which has credit agreement written across the top, and it does have interest rates and right to cancel. Is this enforceable do you think? It is a mothercare account, which has been passed to CL finance. http://i829.photobucket.com/albums/zz211/clare007/mothercare006-1.jpg

Can anyone have a look at this document please? have CCAd CL Finance (Mothercare storecard) - and they have sent the instore application form, which has credit agreement written across the top. It has financial details with interest rate, and your right to cancel in small print at the bottom. does this application form constitute an enforceable credit agreement? Thanks again -any help gratefully received (I am slowly trying to sort out the huge financial mess I am in , and it is all down to this forum so thanks again) x I think the small print may be too small to read though http://i829.photobucket.com/albums/zz211/clare007/mothercare006.jpg

Thanks huff and puff. I am a bit confused by the enclosing letter though. Abbey states that the "state of account, total sum paid £919. Outstanding balance is 0.00..Total sum which has been payable under the agreement but unpaid by the client £0." I know the balance is more like £2800, - do you think abbey has made a mistake or sold the account on? or could it be most of the balance comprised the excessive charges they levied and they have now removed them? is this just wishful thinking? Anyway I have composed a letter = does this sound ok? Thank you for your prompt reply to my request for a true copy of my credit agreement. I note that you state in your letter dated 17 September 2009, that the state of the account is as follows: “The total sum paid £919.62 and the outstanding balance £0.00. Total sum which has become payable under the agreement but unpaid by the client - £0.00.” I would be most grateful if you could now confirm that this account is satisfied, or whether you have indeed passed this account to a 3rd party, and if so, please provide details I would appreciate your prompt response Yours sincerely

Thankyou!! I believe I received my first next directory about 5 years ago - maybe more. Have always paid my debts but then things spiralled out of control once i had children, now am trying to sort myself out. I don't believe I ever signed for it, can't remember. Its really nice to know that fellow caggers are around to advise. you sort of don't feel as desperate!

Hi again to everyone - Abbey have replied to my request The agreement is very difficult to read - doesn't appear to have many of the prescribed T&Cs. Can anyone have a look for me please? Also, very strangely, abbey (santander) have said in their letter that the state of the account is nil outstanding, and nil unpaid. Does this mean they have sold the account to a 3rd party? At my reckoning there was approx £2000 o/s. http://i829.photobucket.com/albums/zz211/clare007/abbey1.jpg

Hi, have been reading threads on Next Directory. Have just CCA'd Moorcroft (who now have the debt - I have a DMP). Next have sent me a letter saying the true copy does not need to be exact. ''this means that it does not need to have non-statutory information which was included for the creditor's own benefit or signature boxes. Therefore Next are not required to provide you with a signed copy of the agreement and this is made clear in Section 3(2) of the Consumer credit (cancellation notices and copies of documents) regulations" Is the absence of a signed CCA in this case make this unenforceable? As Next state - "in the absence of any evidence to suggest that you did not order and /or receive the goods delivered.. it is noted you have neither denied ordering or receiving Next goods" I don't have any idea what charges for late payments/missed payments have been made. Should I get a subject access report? Many thanks

brilliant, thanks again

can anyone help please. have received a cca from CL finance in respect of frasercard, it appears to be an application form but with the consumer credit agreement title across the top. Is this enforceable? http://i829.photobucket.com/albums/zz211/clare007/frasercard.jpg

It was a postal application .

hi, have just received CCA from COOP and it has PPI on it. It is my husbands loan account, but he can't remember the bank explaining anything about ppi. He has signed a box which says 'I wish to purchase PPI'. Normally I advise him not to take out PPI as I always felt it was a waste of money. The loan agreement looks enforceable. Could anyone tell me whether we can try to claim the ppi back? I have a feeling the bank may have implied his loan would be considered more favourably with PPI thank you

Thanks everyone

Hi, Have had 2 loans from HSBC for £1500 and £6000. Struggled to make payments, and now have debt mgt plan so paying reduced amount. HSBC passed to CL Finance and Link. I requested CCAs and have had replies from bothe Link and CL Finance to say that the account numbers do not represent loan accounts but bank accounts and therefore do not fall within Consumer credit act. I know that my bank account with the HSBC did not have a closing balance of £5500, can the HSBC transfer the loan amount into the bank account in this way? Shall I request a subject access report? Thank you for any advice.