Egg and Capital Credit Agency - Do i CCA?

[durtydurty]

First time poster long time troll....

 

Long story short, have four credit cards that I am struggling to pay off. Have contacted them all and have set up reduced payments plans etc. Had been paying egg 50 quid a month as part of the arrangement, then get a letter from Capitol Credit Agency acting on behalf of Egg ( part of Egg so the lad on the phone tells me ) Apparently Egg havent got an arrangement in place and want to go through my I and E and set something up. I find it slighty rubbish that Egg 'cant' find the call or have lost my I and E paperwork. What of the following do I do

 

1, Send them the CCA letter and take the bull by the horns and go for it? if so do I send it to Egg or Capitol Credit Agency?

 

2......Erm, what other options do I have?, struggle and pay there agreed figure that they come up with based upon my I and E.

 

Any input now matter how small would be appreciated

 

Thanks in advance

[victoria_siempre]

Hi durty

 

Welcome to CAG.

 

1. you can CCA either. I always CCA the last person to have demanded money for an alleged debt. CCAgencies will then pass this to Egg.

 

2. you could send your own limited I&E with an offer of payment of what you can afford based on them freezing interest and charges. Your affordable offer should really be pro-rate to what you you are paying others.

 

It's your decision though.

 

best wishes

 

vic

[durtydurty]

Thanks Vic,

 

If I ask for my agreement and they produce it will that affect my chances of sorting out a payment plan later on with them?

 

If for example my CCA comes back and its not worth the paper its written on then what happens?

[maroondevo52]

Hi,

 

Have you any idea how many charges have been applied to these cards.

[durtydurty]

Probably quite alot, but exact amounts I couldnt tell you.

 

Why? , is this something I should be claiming back aswell?

[maroondevo52]

Yes, there are charges you can re-claim, could be worth your while sending a SAR to the origional creditor of each.

[durtydurty]

Thanks Maroon, and Vic.

 

I appreciate it. I have Albion chasing me for money today. They have an old address ( 2 years out of date in fact ) for me but a current phone number and I only gave them my new address so the bloke couldn't find my account, quoted Data protection and he shouldnt be talking to me etc.

 

I cant seem to find an address for Halifax/Albion to send a CCA request to? Also what relevance is 2007 to the agreement? are they less likely to have the CCA or something of that ilk?

[maroondevo52]

Albion Collections

 

Dawsons Corner,

50 Cote lane

Leeds

LS28 5ED

 

Albion Debt Collections In House Debt Collectors for Halifax BOS Group which now includes the Sainsbury's Credit Cards.

 

Regarding the pre 2007 CCA, a lot of the older CCAs were/are unenforceable because they do not contain the prescribed terms i.e., APR%, credit limit, repayment terms etc.

 

 

Regards.

 

Scott.

[durtydurty]

Cheers Scott, out of my four credit cards only one is pre 2007!

 

Sorry for all the questions but what happens to my credit rating if they decide that I dont have to pay them back if the CCA is unenforeablce, does it show that I refused to pay it back?

 

My credit is pretty shot anywho but thought Id ask.

 

Thanks again

[maroondevo52]

I'm not sure about that one, I take it if they have already defaulted you that will remain.

[durtydurty]

Wrote to Barclay Card, Capitol one and Halifax with CCA requests, had Halifax since 2005 so am hopeful of there inability to produce a CCA.

 

Thanks for all the help .Will do Egg as soon as I get chance

[durtydurty]

Haven't CCA requested them yet but they wrote to me today to say my account has been closed and asked me to cut the card up and return it in the pre paid envelope provided. Shame they hadn't provided one so Ill be keeping it then. Numpties!

[durtydurty]

Right bit of an update on egg responding to my CCA request. Had a standard letter saying that they have enclosed my agreement and that I should continue to make payments yadda yadda.

 

But the agreemtne they have sent was obviously done on-line as rather than a signature there is a box I have ticked and below it says

 

( This is instead of providing your signature )

 

Almost looks like a screen print off of a PC or something.

 

Are they allowed to have a tock box rather than a signature?

[maroondevo52]

 

Are they allowed to have a tock box rather than a signature?

 

If applied for on-line can you remember which year, after Dec 2004 with any online agreements a 'tick' in the box would suffice for a signature.

 

Regards.

 

Scott.

[durtydurty]

It was from 2008 so it looks like they win this one!!

 

Bugger.