Egg request for CCA

[vpatel27]

Hello all

 

I am going to start seeing if my Egg credit card and natwest Loan are legal since I tool them out before April 2004.

 

Am I write in saying that my first step would be to request a copy of my agreement using the letter below?

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

Date

Dear Sir/Madam

Re:− Account/Reference Number 1234567890

With reference to the above agreement, I require you to supply the following documentation before I will correspond with you further on this matter.

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement, under the legislation contained within s.78 (1) Consumer Credit Act 1974.

2. A full statement of account.

3. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

4. A copy of any other documents referred to in the agreement.

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I are entitled to receive a copy of our credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. Please note that under no circumstances should this payment be set aside any alleged debt. If you are unable to supply the documentation requested, this fee should be returned.

I understand a copy of our credit agreement should be supplied within 12 working days.

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

I look forward to hearing from you.

Yours faithfully

 

 

 

Mr A N Other

[maroondevo52]

Hi,

 

Yes, send with a £1 Postal Order, recorded and don't sign it

[vpatel27]

Thank you, just out of curosity, why shouldn't I sign it?

[maroondevo52]

It has been said that sometimes signatures magically appear on old agreements

[vpatel27]

In that case I should sign it as a test, since I am married now and my signature has changed...

 

Ok i won't sign it ;}

[maroondevo52]

Sound let us know how you get on.

[vpatel27]

Well I sent the letter to Egg on 29/12/2009 and still no response and I have been getting my post as usual.

 

I also wrote to Natwest and started a new thread in Natwest

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/241603-natwest-requst-cca.html#post2694456

 

If you could please have a look and let me know any advise you may have on that issue

[vpatel27]

haven't updated this post for a while, had a lot of problems so not been able to get on to it.

 

I received my credit agreeement from Egg, will get it scanned in for review. Its really long though.

 

Has anyone been successful doing this?