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Help - struggling to pay a personal loan

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Im struggling to pay my way at the moment, I have a credit card and loan that i have started to do a CCA on both.

 

This month I was late to be paid as as a result I was late to pay my Egg loan direct debit.

 

By coincidence (or not?) I recieved the requested CCA information literally days later despite waiting for months and sending dispute letters which were all ignored.

 

They are now chasing me on the phone for the payment (not sure why they didnt retry the dd) and for an extra fee. The refuse to waive the fee despite circa 10 years of never missed payments.

 

First of all, what should I do - phone, email, pay?

 

Secondly, does anyone know if my agreement is valid or enforceable? They have sent me a printout of an online application despite that fact that I never applied for the loan online (it was completed over the phone and signed and sent in the post). Which leads me to beleive (and hope) that I have a case.

http://img182.imageshack.us/img182/6144/egg01.jpg

http://img31.imageshack.us/img31/7637/egg02.jpg

http://img31.imageshack.us/img31/6307/egg03.jpg

http://img31.imageshack.us/img31/3824/egg04.jpg

http://img17.imageshack.us/img17/3087/egg05.jpg

 

 

I would be very grateful for any advice.

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Sorry to add to this but I really appreciate any help or advice.

 

I have been advised that this is unenforceable and to send the letter in the click below.

http://www.consumeractiongroup.co.uk/forum/egg/209963-egg-loan-cca-enforceable.html

 

Can anyone advise what can possibly go wrong with this? If they are in the right, could I end up with Egg on my face and a big black mark against my name for years to come?

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