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ARC and CCA Request


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Can you scan it and post it on here covering over your personal details? Try Photobucket. If it is a regulated loan and just shows the loan and PPI lumped together then it is unenforceable as they are different types of credit (loan - debtor-creditor; PPI debtor-creditor - supplier) rendering the agreement a multi agreement and the loan and PPI should be shown in their separate constituent parts with separate signature boxes. Not possible to confirm without seeing it. Did you cancel the PPI in writing? You can reclaim if it has been missold.

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This is a multi agreement. The loan and PPI should have been set out with their own principle amount, interest, total and separate signature boxes. In addition, once you cancelled the PPI, which you obviously did as they altered the amount you were paying, they should have sent you a new agreement for the loan only. In my view this agreement is unenforceable. EGG have slipped up on this one.

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