Egg Loan cca - is it enforceable

[beachcomber60]

Have received my Subject access request from EGG - what a complete mess they've made of it, one account completely missing, one former card statements duplicated three times (no wonder the envelope was so heavy), although I asked for everything I only received one loan cca and everything else was just statements relating to two former cards.

They did supply the cca (below) but did not supply state of account, payments made etc etc..

I've read so much about Egg I wonder if someone could confirm whether or not its enforceable & whether the interest rates and figures are correct.





Second page




Thanks

Beachy

[beachcomber60]

Morning

[beachcomber60]

..

[beachcomber60]

Mmm - Looks like I'm the only one with a problem with Egg.

Its not a Debt Industry problem (yet) so cant post there & I dont believe in posting my problem on someone elses thread,

So bump.

I make the interest/APR a couple of pence different to them.

On a payment plan & they are dividing the monthly payment into two parts, wont tell me why and have not provided a statement of account as part of me cca request & as part of Subject access request.

[beachcomber60]

Originally Posted by beachcomber60

Mmm - Looks like I'm the only one with a problem with Egg.

Its not a Debt Industry problem (yet) so cant post there & I dont believe in posting my problem on someone elses thread,

So bump.

I make the interest/APR a couple of pence different to them.

On a payment plan & they are dividing the monthly payment into two parts, wont tell me why and have not provided a statement of account as part of me cca request & as part of Subject access request.

Looks like your on your own on this one Beachy !

[andydd]

Originally Posted by beachcomber60

Looks like your on your own on this one Beachy !

Hi..had quick glance and it seems enforceable. Any reason you think it may not be ?

The important 'prescribed terms'

Amount Of credit
Repayment schedule
interest

all appear to be there.

Andy

[beachcomber60]

Originally Posted by andydd

Hi..had quick glance and it seems enforceable. Any reason you think it may not be ?

The important 'prescribed terms'

Amount Of credit
Repayment schedule
interest

all appear to be there.

Andy

Thanks Andy,

Posted up the agreement so it could be checked by someone more knowledgeable then me, just looking for flaws as they have made a complete hash of my Subject access request & cca requests.

This agreement has my personal details & loan amount correct but carries a different account number.

Beachy

[andydd]

Originally Posted by beachcomber60

Thanks Andy,

Posted up the agreement so it could be checked by someone more knowledgeable then me, just looking for flaws as they have made a complete hash of my Subject access request & cca requests.

This agreement has my personal details & loan amount correct but carries a different account number.

Beachy

You could send it back and point out its the wrong number and question wether if its the right account.