Egg - CCA Received, Response Received - What next ?

[hertsdebt]

I lodged a complaint with Egg regarding an unenforceable CCA, after requesting a copy in January 2009.

 

Today l have received this response. I am write in thinking l neeed to reply with the facts of :

 

1.) The "agreement" must state an "Interest" amount on "Cash advance" term

2.) The signature must be on the same page as the "Terms and Conditions"

3.) The fact the credit limit is deemed as "Credit Value" and not clear.

 

Any help is appreciated.

 

http://img137.imageshack.us/img137/1043/egg1.jpg

http://img267.imageshack.us/img267/4681/egg2.jpg

http://img412.imageshack.us/img412/1463/egg3.jpg

[reallymadwoman]

Personally, I have given up arguing details of unenforceable agreements, it just ends up as letter ping pong.

 

One approach that has worked for me is to say the agreement is unenforceable and I am not prepared to enter into any further correspondence.

 

None of them have taken me to court yet which implies that they may not be all that confident of winning.

[seriously fed up]

There is a bit of a debate about this. Some feel that they want to get the last word. Sometimes, the DCA/ lender has raised a new issue and may take your silence to suggest that you dont have an answer and are emboldened by this. But as RMW suggests, this can simply lead to letter ping pong. I am dealing with one DCA just now which I am almost convinced is simply a computer which churns out another predetermined letter unless you have coughed up within a pre-established period since the last letter. They have never yet addressed ONE of the points I have made to them (three letters now). Also I have never yet experienced a lender/ DCA who has written back to say "we surrender, you are quite right". About as good as it gets is the DCA writing to say that they have sent the account back to the lender. That and the periods of silence.

It really is your call.