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Egg CCA Request Response


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  • 2 months later...

I'm starting to think that Egg's initial response (see first post) is indeed a true copy of the credit agreement containing prescribed terms but ommiting sig and adresses etc as they state, and hence satisfying my Section 78(1) request. That is why the FOS has not upheld my complaint.

 

If anyone has a different opinion as to what constitutes a 'true copy' satisfying Section 78(1) i'd be greatful for your input

 

I suppose the fact that if it does satisfy a Section 78(1) request but it is evidently not a SIGNED true copy could be evidence that Egg don't have an agreement with my signature on it. That is why the FOS adjudicator points out that 'It is possible that a court may find differently but, unlike this service a court does have the power to declare an agreement unenforceable'

 

I suppose the only real way of getting to a signed true copy is to wait for the results of my subject access request? Or should i submit another 78(1) request?

 

I sent my SAR off on the 2nd april but still haven't heard a peep out of them, i sent it recorded delivery but all the tracking says is that it has been accepted at the post office. Is this kind of time scale normal? Should i chase up the postal order and see if it has been cashed?

Edited by Mr Fox
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I think that after this length of time, if there is still no digital proof of delivery showing, most definately chase up whether the P.O. has been cashed. If it has Egg have had well over their 40 days to comply.

 

Sorry I can't help with your query about the agreement though.

 

Regards.

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  • 4 weeks later...
I think that after this length of time, if there is still no digital proof of delivery showing, most definately chase up whether the P.O. has been cashed. If it has Egg have had well over their 40 days to comply.

 

Sorry I can't help with your query about the agreement though.

 

Regards.

 

I've just resubmitted the SAR but sent it Special Delivery this time ;)

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