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EGG Loan - My SAR is missing some CCAs !

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Hi there,

I received an SAR back from EGG regarding loans that I took out.

Egg does not seem to have sent all the CCAs for all Loans and Top-up loans.

I wonder if someone could please advise on this one?

Here's a summary:

 

LOAN 1 - In Jan 2003 I took an egg loan for £10,000

Egg did not included any CCA for this in the SAR

 

LOAN 2 - In Nov 2003 I took an egg 'top-up' loan for £10,000

I received part payment to my bank account, the rest went to pay off LOAN 1

Egg did send the signed CCA for this loan in the SAR

 

LOAN 3 - In Sept 2004 I took an egg loan

I received payment of £1900 to my bank account, the rest went to pay off LOAN 2

Egg did not included any CCA for this in the SAR

 

In Aug 2005, I paid off LOAN 3.

 

LOAN 4 - I took another loan for £10,000 in 2006.

I'm still paying back this one :(

Egg did send the signed CCA for this loan in the SAR

 

My questions are:

 

1. Does each top up loan need a new CCA?

 

2. After my SAR, egg only sent CCAs for Loan 2 and Loan 4, does this likely mean they don't have CCAs for LOAN 1 & 3?

 

3. Not sure if this is a silly questions but if Egg does not have CCAs for LOAN 1 and 3, would this mean they couldn't prove the loans ever existed?

In theory, could I get the money back that I paid? Or at least ask to reduce the amount still owing on my current loan?

 

Many thanks for your help

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