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CCA help
madkitty
Posts: 447 Forumite
Can anyone point me in the direction of some good info regarding obtaining CCA details from my creditos - Im sure my Egg agreement isnt binding and I was interested to find out? thanks x
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Comments
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I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
thanks - its all so confusing. Just looked into my egg and seems thats all as it should be as its an online agreement. What happens when they send you new terms arent they also supposed to provide a signed copy or something then?0
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Just looked into my egg and seems thats all as it should be as its an online agreement. What happens when they send you new terms arent they also supposed to provide a signed copy or something then?
Not necessarily, mk. However, they must provide a copy of the original, executed consumer credit agreement within 12 working days of your request. Failure to do so will put them 'in default' of their legal obligations under sections 77/78 of the Consumer Credit Act, 1974.
Current T&C will not constitute a compliant copy of the cca.
Since yours is an 'on-line' agreement, you should be aware that the Act was amended in 2007 with specific regard to 'on-line' agreements.
How long have you had the egg card?I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
The Egg agreement is dated 2006 online - I read all signature tick boxes were legal pre 2007?0
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Since yours is an 'on-line' agreement, you should be aware that the Act was amended in 2007 with specific regard to 'on-line' agreements.
2004/5 actually rog2.
Applies to agreements made from 01/01/2005 onwards.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
2004/5 actually rog2.
Applies to agreements made from 01/01/2005 onwards.
Sorry fermi - I am happy to 'stand corrected'
:beer: I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
perhaps Im not that daft after all LOL - well I got back £1200 from Natwest with their charges before that was ruled out.
Im a little concerned though as Im about to take out a DMP through CCCS - would it be better to wait for the creditors to accept those payments before annoying them anymore?0 -
Im a little concerned though as Im about to take out a DMP through CCCS - would it be better to wait for the creditors to accept those payments before annoying them anymore?
It might be better to discuss the actual agreement with CCCS first, mk.I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0
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