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Is this CCA enforceable?


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I only owe egg a small amount and they have agreed payment of £5 a month with charges and interest frozen. If possible I would like to get the balance written off or negotiated to finish it up faster. Cant pay the £200 and they had had plenty of interest in the past. Any advice would be really appreciated. To me it looks just like an application form and the T&C are generally printed from a computer last month, not even put only my dates on it. The card was taken out in 2003. Does it matter I asked for the credit limit to be raised on it in my writing??? I think (but not sure) the signature supplied is from my application form does that count?













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Guest Jason King

The first two pages look good. I believe there are minor flaws with it but not enough to make it unenforceable.


The rest are screen dumps of the T&C's, however, I have the same but in the original form, even with my name on it.




I gather your T&C's are considered reconstructed and enforceable.


Did you have PPI? Have you received a Default Notice?

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No I was made sure I never paid PPI (lesson learnt early in life when I was made redundant). I have not received any default notice. Want to write to them and offer a lump sum but need some kind of leverage to get them to accept it - would DLA (Disabiity) count?????



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If you are no longer using your card and trying to pay it off ring them and say you want to "opt-out", this will stop them increasing the interest rate but you wont be able to spend on it anymore. I did it several months ago and its quite easy. Once balance is clear you then have to wait one year before you apply again to Egg for a new one. I dont intend to go down that route again so its no problem for me.

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Thanks for the info


TBH I think I'll request egg provide a copy of my agreement. I understand banks are not the best at keeping records of agreements. Hopefully they wont have a copy of my agreement ;)

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