Signed credit agreement

Sundaygirl73

A few years ago, I took out a loan with egg. However, due to circumstance the payments were reduced. I was ill advised to stop paying because it was unenforceable. I then went to a council run debt advisor and I requested that egg sent me a signed copy of the credit agreement. They sent me a copy of a standard agreement but their wasn't signed. My advisor has made several attempts to contact them over the past three years but no joy. Just before Christmas, I received a letter from arrow global saying the debt had been passed to them. Where do I stand regarding paying the loan back? I read that because egg didn't send me the requested signed agreement within a certain amount of time, they have no right to ask for it back.

michael1983l

Fishing ?

Did you borrow the money? If so then why should you not pay it back?

_Andy_

Oh for gods sake, not another of these threads. Just pay back what you owe
zzzzzzzzzzzzzzzz

next please

Sundaygirl73

I intend to pay it back but it's difficult when they havent responded to my phone calls and letters for three years.

DCFC79

Sundaygirl73 wrote: »

I intend to pay it back but it's difficult when they havent responded to my phone calls and letters for three years.

You sure you have been contacting the right firm.

ILW

The reconstituted agreement they sent you is all that is required.
The advice you were given to stop paying was completely wrong and you will now be liable for additional interest and charges. You need to start paying now or you will just get into deeper trouble.

thechippy

[QUOTE=ILW;50514523The reconstituted agreement they sent you is all that is required. - Only to satisfy the sec 77/78 request - not to enforce!
The advice you were given to stop paying was completely wrong and you will now be liable for additional interest and charges. You need to start paying now or you will just get into deeper trouble.[/QUOTE]

See above comments

Wutang_2

Theres a guy called Never In Doubt and he is the master of getting out of paying back what you owe,

There are also a load of his worshippers on here too (very deluded but ardent) who can look into this for you.

Ultimately, they are all demented but if you want to go down the unenforcable route...they are the nutjobs you need to speak to.

Apples2

Or just do what everyone else does.

Argue with everyone insisting you intend paying it back...but don't. Carry on reading all the letters but then deny ever receiving any.

oscar52

Wutang wrote: »

Theres a guy called Never In Doubt and he is the master of getting out of paying back what you owe,

There are also a load of his worshippers on here too (very deluded but ardent) who can look into this for you.

Ultimately, they are all demented but if you want to go down the unenforcable route...they are the nutjobs you need to speak to.

Maybe they are not demented - maybe you are just too gormless to understand the concept, or that lenders as well as borrowers have to abide by the consumer credit act.

Apples2 wrote: »

Or just do what everyone else does.

Argue with everyone insisting you intend paying it back...but don't. Carry on reading all the letters but then deny ever receiving any.

And there we go with the assumptions AGAIN.

Do you know the poster intends on doing this, or are you just making this up as you go along (something you seem to be good at)

Apples2

oscar52 wrote: »

And there we go with the assumptions AGAIN.

Do you know the poster intends on doing this, or are you just making this up as you go along (something you seem to be good at)

I didn't make any assumptions, I advised the OP to do what you and your ilk do.
Why are you still here anyway (other than to Troll)?