Egg Credit Card

Funkygibbon

I have a Egg Credit card that I have defaulted on in 13/01/2005 so it will be removed on the 13/01/2011. I have received my credit agreement from Egg after alot of hassle, but this hasn't got my signature on it at all. What should I do?

PNPSUKNET

Pay for what you have spent

YorkshireBoy

Funkygibbon wrote: »

...this hasn't got my signature on it at all. What should I do?

Egg being an internet bank, did you sign 'electronically' (as you would if you applied for the same card today).

CannyJock

Funkygibbon wrote: »

What should I do?

Any other defaults? Or just a case of sucking it up for 18 months till it's off your credit report?

YorkshireBoy

CannyJock wrote: »

Any other defaults? Or just a case of sucking it up for 18 months till it's off your credit report?

Sounds like OP is trying to challenge the agreement, and then get the debt (and default) written off CJ.

I've only been with Egg since early 2005 so don't know if customers signed electronically prior to then?

CannyJock

YorkshireBoy wrote: »

Sounds like OP is trying to challenge the agreement, and then get the debt (and default) written off CJ.

I've only been with Egg since early 2005 so don't know if customers signed electronically prior to then?

Thought as much. Have been with Egg off and on since March 2000, don't remember ever getting paperwork from them. But then there's been a few bottles of Pinot Grigio since then.

With 18 months till it all disappears of natural causes, wonder if it's worth really putting too much effort into trying to dodge the black mark resulting from defaulting on the debt they "fairly" ran up

lisyloo

I'm pretty sure you "sign" it electronically by ticking a box.

Grade_A_Reject

It amazes me that electronic signatures are legally binding. Anyone with access to your details could fill out an online credit agreement and "sign" it by ticking a box thus creating a legally binding contract that you have no knowledge of.

lisyloo

and anyone with your signature could fake it on paper.
There isn't a huge difference to be honest.

You can protect it with a free system by adding a note onto your credit file that your thumprint must be there also.
Lenders are legally bound by this and it's free (apart for 3 stamps, pieces of A4 paper and envelopes).

I haven't done it personally but then I'm very careful with my details e.g. shred everything.

If youa re worried personally then I would suggest you use this system and ask your bank if you can borrow their ink pad for a few minutes to get your thumprints.