Hi Wazir: Yes, this is the point that has made me suspicious. The 16-page document (on plain paper - no logo, nothing) they sent obviously does not relate to the 2-page document with the logo on it which says Egg Card Agreement. For one thing, the address on both documents is different. The 2-page one has the address at the time the card was taken out, the 16-page one has our current address on it - we have moved house 3 times in this period. We have not been sent the original credit agreement which is what was requested. Nor were we sent a full statement of the account which was also requested. I presume when you ask for a full statement of the account that you should receive a statement of the account from the time it was taken out. Am I wrong in this assumption? I thought the purpose of requesting this was to see exactly how much has been paid each month, and how they have arrived at their interest charge. Am I right or wrong here?

My partner requested a copy of his Credit Agreement from Egg and was sent a letter with some documents that we think look very dodgy. The card was taken out in January 2004. The document which is supposed to the be the agreement (1 of 2 pages) has strange dark lines on page 1 and 2 where it looks as though something has been folded to insert info. In addition to this, he received a 16 page document on plain white paper which is entitled "Credit Card Agreement regulated by the Consumer Credit Act 1979". This document has our current address on it - we've moved several times since the card was taken out, and the original agreement was signed. In addition to these, there are 30 pages of screengrabs from a Microsoft Explorer window... "Small print. Legal information..." I've uploaded the scans. BCM01.jpg is the letter that was sent with the CCA. BCM04.jpg is page 1 of 16 pages. BCM05.jpg is 1 of 30 pages (screengrabs). Imagefrog - Image Hosting :: BCM01.jpg Imagefrog - Image Hosting :: BCM02.jpg Imagefrog - Image Hosting :: BCM03.jpg Imagefrog - Image Hosting :: BCM04.jpg Imagefrog - Image Hosting :: BCM05.jpg Could someone have a look and give their opinion? Any help would be gratefully received. I've seen a lot of other postings about this...

Hi there! I'll try to be as quick as possible with the details... On May 15th 2010 I wrote to Egg requesting a copy of my Credit Card Agreement and a full statement of the account along with a cheque for £1. I have lost my copy of it, but believe the card was taken out around 2001/2002. Nothing arrived. On June 9th I wrote to them again further to the first letter indicating that I would not be paying any further monthly repayments until I received the CCA. Still nothing has arrived. The cheque was cashed so I know the first letter was received. I have had several calls from Egg (by now at least 10) requesting payment for June - each time I've told them about the request for the CCA. I've been put on hold while they speak to someone, I've been put through to other departments and gone through the same story. I received a letter on June 16th indicating they had received my "complaint" - I wasn't aware that I had sent them a complaint, merely a request for the copy of the CCA - and it was being dealt with by Customer Relations Advisers. I have received at least three calls from Egg since that letter was received asking for a monthly payment... same story... same outcome. Put on hold... it's being dealt with... etc., etc. Still nothing. Yesterday I had a call again - put on hold for around 15 minutes - when the caller came back she asked me to hold again as she was putting me through to another department. I told her I wasn't prepared to be put on hold again and to sort it out at her end and get back to me. Then this morning another call for a payment. Same story... put on hold for an age. This time when the caller came back she informed me that I had been told yesterday that the CCA had been mailed out to me. Not true... Then I was informed that a call had been put in for someone to call me back within 48 hours regarding my "complaint". I get a call an hour later from someone telling me the CCA I had requested had been sent out on May 25th. I have never received anything from them... and none of the other people I have spoken with at Egg have ever mentioned this before. Nor did the letter I was sent on June 16th indicate this information - apparently 21 days after it had been sent out. I have been told another copy will be sent out within the next 10 days. I have now become very distrustful of them and do not believe they do, in fact, have my original agreement, and that they may be playing for time until they have cobbled one together. Any advice as to what I should do would be gratefully received.

OK - I'll do that. Thank you for all your help.

Should I send out the "in dispute" letter you recommended earlier this morning to Egg today?

I've uploaded the scans. BCM01.jpg is the letter that was sent with the CCA. BCM04.jpg is page 1 of 16 pages. BCM05.jpg is 1 of 30 pages (screengrabs). Imagefrog - Image Hosting :: BCM01.jpg Imagefrog - Image Hosting :: BCM02.jpg Imagefrog - Image Hosting :: BCM03.jpg Imagefrog - Image Hosting :: BCM04.jpg Imagefrog - Image Hosting :: BCM05.jpg

Thanks for the info... I'll send off that letter if nothing comes in the next few days. I'll scan my partner's agreement and let you know when they are up on ImageFrog. He did the initial application for the Egg card online and was then mailed the Credit agreement - it would have been in December 2003 that this application was made as the credit agreement they've sent is dated January 4th, 2004.

Hi Cerberusalert, I have had a call this morning from someone at Egg Customer Relations regarding my letters requesting a copy of my credit agreement. They told me the CCA was sent out to me on May 25th... I have received nothing. My initial letter was sent out on May 15th with the cheque for £1. The cheque was cashed but I received nothing. I sent a second letter on June 9th and received a letter from them on June 16th acknowledging my "complaint" and that they were dealing with it. I've received several calls from them in the past month and a half to ask for a monthly payment which I told them in the second letter I was withholding until I had received the CCA. I must have spoken to at least 10 people since May 15th and no-one has ever mentioned that the copy of CCA I had requested was sent out to me. Apparently, they are sending it out to me within the next 10 working days. I have to admit I am very suspicious that it has suddenly appeared now 47 days after my request. Am I right to be suspicious? My partner requested a copy of his CCA from Egg and received it within 10 days. What do you think I should do? I have read postings here where people think they have been fudged together. Unfortunately, I signed the original letters I sent never thinking this was a silly thing to do. My partner has checked through what he was sent and they sent and we are now wondering whether this is the correct agreement. We have mislaid the originals we would have had as we have moved several times since 2004, when he took out his agreement. On his agreement, which is on paper with the Egg logo and "Egg Card Agreement for...", under the details about the card it starts with point 3 "Limit" and stops at point 5 "Repayments". This is not a full-size photocopy - it has been reduced in size. They have also sent a ream of paper with no logo, just plain paper, stating "This is a credit card agreement between us:" with our current address, not the original address where we were living when the card was taken out and has 24 points on it. Plus, pages and pages of screen grabs taken from and Internet Explorer window with the title "Egg Card new credit agreement. We both received letters in April 2008 cancelling the cards. Can you shed any light on any of this?

Sorry!! One last question. I've written the letter to send to MBNA. Do I sign it? Or just put my name at the end of the letter. I saw a posting to not sign anything...

Thank you Cerberusalert!! Have a good weekend, and I'll keep you informed about what happens next.

Thank you very much for looking over the MBNA documents... it is SO much appreciated!! Does the fact that I sent them a letter, after receiving what I thought were the CCAs, requesting to lower the monthly payment due to my current financial situation make any difference to sending the letter you have suggested above? And as far as the Egg agreement is concerned. Nothing has arrived from them since sending them a letter on May15th. I have sent a second letter to them stating that I will not be making any further payments until I receive the CCA. What do you suggest I do if this continues?

OK Great. I've done that - below are the list of images I've sent: Imagefrog - Image Hosting :: MBNA01.jpg Imagefrog - Image Hosting :: MBNA02.jpg Imagefrog - Image Hosting :: MBNA03.jpg Imagefrog - Image Hosting :: MBNA04.jpg Imagefrog - Image Hosting :: MBNA05.jpg Imagefrog - Image Hosting :: MBNA06.jpg Imagefrog - Image Hosting :: MBNA09.jpg Hope I've done this correctly.

Sorry to be dumb - how do I include the scans of the pages? I've tried the "insert image" link in the message window but it is asking for a URL.

I'm just scanning the documents MBNA sent me - I'll send those through shortly. In answer to your question, I've never received any default notices for either card. Back in early 2008 I was one of the many people (I gather from what I've been reading) who received a letter from Egg informing me that the card had been cancelled.

Thanks... that's very helpful of you. Wasn't sure where to put my question.

I've been reading a lot about the "credit agreement" discussions on this site, and it's prompted me to ask some questions about my own situation. Apologies in advance if this is a long message!! I have 2 credit card debts - one with MBNA and one with Egg - from early 2001. The debts on these cards escalated after being made redundant back in 2003 when my situation changed completely. Period 2005/early 2006 I was forced to use the cards for living expenses - mortgage, etc. Sold the house in 2005 to clear other debt. In early 2006 the limits where reached on both cards - £9,100 on MBNA and £7,510 on Egg. I have struggled ever since to make payments but have managed to do this. I have paid MBNA £11,700 since Spring 2006 - the balance to date has been reduced by only £1,400 due to the excessive interest rates that were put on the card. Similarly with Egg, I've paid £8,770 since Spring 2006 - the balance has been reduced by only £2,370. I work as a self-employed graphic designer and my work has been diminishing over the past 12 months... and is about to dry up altogether in a couple of months when a long-term contract ends. Due to this recession I'm finding it harder and harder to get work, and being 54 years of age it seems almost impossible to find a full-time job - too old for the industry I have worked in for the past 25 years. I requested copies of my credit agreements and a full statement of account from both parties - letters out in mid-May. Nothing from Egg. I sent a second letter after 15 days requesting again and informing them that I wouldn't be paying anything until I received the CCA. I had calls from them when the monthly payment was due (mid-June) to find out why I hadn't paid anything. I explained and they kept referring to my "complaint" being dealt with by another department. Still nothing, apart from a letter saying my "complaint" was being dealt with. I was not aware that I had actually made a complaint - I simply asked for a copy of my credit agreement. Does anyone have advice about what I do next if nothing is forthcoming from Egg? With MBNA, a letter arrived within the 12-day period with what they have referred to as: a. A copy of your executed agreement b. Your up to date terms and conditions c. A copy of your most recent statement (which shows the state of your account) which has been signed (by MBNA). Initially I thought this was what I had asked for. I have now realized that what they have sent me is: a. The initial application for for the card b. Print-out of financial & related conditions c. Print-out which they refer to as a "copy of your agreement". The latter has my current address in place. I have moved 4-5 times since I took out the original agreement and indicates the 34.9% interest rates I am currently being charged. This is not the original credit agreement, is it? I am unsure of what to do next. I sent a letter to MBNA at the end of last month indicating the changes in my work/financial circumstances and that, having made a personal budget sheet (which I included with the letter), I was only able to pay them £50 per month, instead of the £250 I have been paying them for countless months. I have not received a reply to this letter. They sent me my recent statement with the minimum payment set at £350. I simply don't have the money to pay them anymore. I don't actually know how I'm going to live for the next few months after paying everything else. Any advice would be very welcome! I am not trying to rip anyone off here. I simply can't keep on paying at the rate I've been forced to by these financial institutions.

I've been reading a lot about the "credit agreement" discussions on this site, and it's prompted me to ask some questions about my own situation. Apologies in advance if this is a long message!! I have 2 credit card debts - one with MBNA and one with Egg - from early 2001. The debts on these cards escalated after being made redundant back in 2003 when my situation changed completely. Period 2005/early 2006 I was forced to use the cards for living expenses - mortgage, etc. Sold the house in 2005 to clear other debt. In early 2006 the limits where reached on both cards - £9,100 on MBNA and £7,510 on Egg. I have struggled ever since to make payments but have managed to do this. I have paid MBNA £11,700 since Spring 2006 - the balance to date has been reduced by only £1,400 due to the excessive interest rates that were put on the card. Similarly with Egg, I've paid £8,770 since Spring 2006 - the balance has been reduced by only £2,370. I work as a self-employed graphic designer and my work has been diminishing over the past 12 months... and is about to dry up altogether in a couple of months when a long-term contract ends. Due to this recession I'm finding it harder and harder to get work, and being 54 years of age it seems almost impossible to find a full-time job - too old for the industry I have worked in for the past 25 years. I requested copies of my credit agreements and a full statement of account from both parties - letters out in mid-May. Nothing from Egg. I sent a second letter after 15 days requesting again and informing them that I wouldn't be paying anything until I received the CCA. I had calls from them when the monthly payment was due (mid-June) to find out why I hadn't paid anything. I explained and they kept referring to my "complaint" being dealt with by another department. Still nothing, apart from a letter saying my "complaint" was being dealt with. I was not aware that I had actually made a complaint - I simply asked for a copy of my credit agreement. Does anyone have advice about what I do next if nothing is forthcoming from Egg? With MBNA, a letter arrived within the 12-day period with what they have referred to as: a. A copy of your executed agreement b. Your up to date terms and conditions c. A copy of your most recent statement (which shows the state of your account) which has been signed (by MBNA). Initially I thought this was what I had asked for. I have now realized that what they have sent me is: a. The initial application for for the card b. Print-out of financial & related conditions c. Print-out which they refer to as a "copy of your agreement". The latter has my current address in place. I have moved 4-5 times since I took out the original agreement and indicates the 34.9% interest rates I am currently being charged. This is not the original credit agreement, is it? I am unsure of what to do next. I sent a letter to MBNA at the end of last month indicating the changes in my work/financial circumstances and that, having made a personal budget sheet (which I included with the letter), I was only able to pay them £50 per month, instead of the £250 I have been paying them for countless months. I have not received a reply to this letter. They sent me my recent statement with the minimum payment set at £350. I simply don't have the money to pay them anymore. I don't actually know how I'm going to live for the next few months after paying everything else. Any advice would be very welcome! I am not trying to rip anyone off here. I simply can't keep on paying at the rate I've been forced to by these financial institutions.