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Is this Egg CC online agreement enforceable?


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My partner took out an Egg card in 2006 via an on-line application, she has requested the paperwork via a CCA 1974 act which is attached.


Please could someone advise on the enforceability (or otherwise) regarding this. After much research and reading of this forum our concerns relate to the following:


No stated credit limit

No Right to Cancel box

No Multiple Terms & Conditions

Condition 10 as referred to on page 1 is not included in the agreement



We may have missed other anomalies of course so any advice would be welcome.


Many thanks.

Egg CCA 1.pdf

Egg CCA 2.pdf

Egg CCA 3.pdf

Egg CCA 4.pdf

Egg CCA 5.pdf

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Just thought I'd bump this as it's had quite a few views but no response.


As a newbie I was hoping for a bit of guidance on this. I have read a lot of similar threads on here and the CCA does look unenforceable but being a newbie I was looking for a bit of reassurance!

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Thank you for your reply, I have seen the other thread from SH which is not dissimilar to mine although the documents are not the same. I've also read through a lot of material on here and on the basis of what I've seen I'm prepared to challenge Egg on this.


Any further insight would be gratefully accepted though!

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Hi Aqua


This is outside my experience so I can't give much.


I wouldn't restrict your legimate queries of Egg to narrow technical issues. There are many reasons to dispute things (if you're married, you'll understand this).


The general debt forums provide a lot of learning, and in the end it's down to how you want to play it.


There is no golden bullet any more but there are many effective ways in which to challenge, fight and obfuscate their obfuscation.


best wishes



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Thanks again Victoria.


I have fired off a letter informing them that what they have sent is not a true copy, I haven't advised them why that is the case, I don't see why I should do their job for them. So that's the stance I will take, the onus being on them to prove that the CCA is enforceable, I'll just bat everything back to them and spin it out as long as needs be. No hardship in writing the occasional letter or two!


I'm fairly confident that what I see does not conform with some aspects of the consumer credit act and the general gist of a lot of the Egg threads seems to be that that is very common for Egg paperwork. So we'll see how it goes.

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