Is Egg money account a credit card?

[victoria_siempre]

Hi guys

 

I have 2 cards with egg. One is a an egg money account (which had a cc with it); one a straight cc.

 

They are pursuing these in different ways. all correspondence from egg refers to the egg money account.

with no reference to egg cc account no.

 

letter received sept 6 from Capital Credit Agencies (egg in house) threatening 'specialist agents' re egg cc only with no name and eligible scanned signature.

 

So, are the two accounts basically ccs or is the egg money account in some way different?

 

I am dealing with both so this really me being curios.

 

Thanks for any advice

 

vic

[victoria_siempre]

Hi guys

 

egg (and cci) are sending out standard letters in response to CCA requests seemingly based on the Slater judgement over the signature of Steve Birkinshaw.

 

The letters are identical except for the inserted para of what the true copy comprises; they are sending this even where only the reconstituted T&C are included.

 

Slater was quite narrow but also included:

 

"Was the credit limit shown?

14. This issue and those following will involve reference to the Consumer Credit Act 1974 (“the CCA”) and to the Consumer Credit (Agreements) Regulations 1983 as amended (“the CCAR”).

15. Section 61(1)(a) of the CCA provides that:

“(1) A regulated agreement is not properly executed unless –

(a) A document in the prescribed form itself containing all the prescribed terms and conforming to regulations under section 60(1) is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor or owner, ...”

 

Best wishes

 

vic

[MARTIN3030]

Thanks Vic.

Will move this to the Egg forum.