Any Ideas Why Is My CCA Different Please??

[calamoli]

Hi there,

I had already posted regarding my Egg card CCA but not had any feedback as yet, so i've been up most nights trying to learn as much as I can to avoid bugging busy people wherever possible.

I've been studying various CCA's that have been posted for comment & have found a few pretty similar to mine (applied for online, approx 2000/01.)

However, I keep noticing 2 differences between others & mine, in that on the 1st page others have the comment "This form was sent to you on 1st December 2001" (Or date applicable to each CCA) on the top right hand side of the page, under the Egg logo) however mine has nothing - it is not dated at all.

Then secondly, the other CCA's I have found have 2 boxes on the 2nd page, under the sections IMPORTANT - YOU SHOULD READ THIS CAREFULLY YOUR RIGHTS and LOSS OR MISUSE OF EGG CARD, the 1st being a signature box for the account holder & the 2nd for Egg. Mine does not have either of these boxes, it's just blank.

Could somebody please tell me if this has any relevance? Are there others like mine that I am just not finding - or could this mean something different entirely? I have to say that to me it feels that what they've sent me is something they've just printed off, as there are about another 20 pages of T's & C's which they have admitted in their covering letter are only their current T's & C's "for my information". Although, I do appreciate that this could just be wishful thinking on my part.

They do state on the covering letter that they do not have to supply me with a copy that includes the signature box, signature, or date of signature but what I don't understand is why do they send this information with other CCA requests but not mine?

To be fair, as it was an online application I don't think I signed any form anyway but they have not supplied anything with a tick box either. Any ideas please? Has anyone else been sent similar within that time frame (2000/01)?

It would be great to hear from anyone who can help me with this, as i'm not sure if they have shown me their full hand or whether they are holding something back. Very confusing but I have to do something as i'm being harassed big time by DCA's & really need to know where I stand before making my next move.

Please reply if you have any ideas at all. Thanks so much.

Best wishes
Michelle.

[MandM]

Originally Posted by calamoli

Hi there,

I had already posted regarding my Egg card CCA but not had any feedback as yet, so i've been up most nights trying to learn as much as I can to avoid bugging busy people wherever possible.

I've been studying various CCA's that have been posted for comment & have found a few pretty similar to mine (applied for online, approx 2000/01.)

However, I keep noticing 2 differences between others & mine, in that on the 1st page others have the comment "This form was sent to you on 1st December 2001" (Or date applicable to each CCA) on the top right hand side of the page, under the Egg logo) however mine has nothing - it is not dated at all.

Then secondly, the other CCA's I have found have 2 boxes on the 2nd page, under the sections IMPORTANT - YOU SHOULD READ THIS CAREFULLY YOUR RIGHTS and LOSS OR MISUSE OF EGG CARD, the 1st being a signature box for the account holder & the 2nd for Egg. Mine does not have either of these boxes, it's just blank.

Could somebody please tell me if this has any relevance? Are there others like mine that I am just not finding - or could this mean something different entirely? I have to say that to me it feels that what they've sent me is something they've just printed off, as there are about another 20 pages of T's & C's which they have admitted in their covering letter are only their current T's & C's "for my information". Although, I do appreciate that this could just be wishful thinking on my part.

They do state on the covering letter that they do not have to supply me with a copy that includes the signature box, signature, or date of signature but what I don't understand is why do they send this information with other CCA requests but not mine?

To be fair, as it was an online application I don't think I signed any form anyway but they have not supplied anything with a tick box either. Any ideas please? Has anyone else been sent similar within that time frame (2000/01)?

It would be great to hear from anyone who can help me with this, as i'm not sure if they have shown me their full hand or whether they are holding something back. Very confusing but I have to do something as i'm being harassed big time by DCA's & really need to know where I stand before making my next move.

Please reply if you have any ideas at all. Thanks so much.

Best wishes
Michelle.

Hi Michelle

I have one from 2000, will post the link for you at the bottom so you can have a read, but will answer as much as I can.

Firstly, the CCA they have sent you will be (in light of the Manchester cases) a reconstructed agreement based on what you would have signed.

You may not remember signing one, but in 2000/01 the usual way with Egg was to apply online, then a copy to sign and return would turn up a few days later, so it's unlikely that what you have is an actual copy of anything real.

I sent a Subject access request to Egg and i DID get a copy of the actual signed agreement so that could be worth a try.

With regards to DCAs, who is chasing you out of interest? I would assume it will be DLC/Hillsden or one of their cretinous side kicks .

I'll also post you a few Egg threads that should also help you.

M

http://www.consumeractiongroup.co.uk...-egg-card.html

http://www.consumeractiongroup.co.uk...ents-what.html

http://www.consumeractiongroup.co.uk...edit-card.html

http://www.consumeractiongroup.co.uk...2-egg-cca.html

http://www.consumeractiongroup.co.uk...ved-limit.html

Hopefully, there's enough there to keep you going for a while. Although not directly related in some cases, the threads are worth a read as they go off on tangents that you may find useful.

Also, did you have card protection on this card?

Good luck,

M

[calamoli]

Hi M,
thanks for your reply & various links (I will start going through them in a while.) You could be right regarding the CCA - unfortunately, I can't recall signing anything one way or the other - however I still don't understand why the other Egg agreements that I have found posted on the website do include the date sent message & signed boxes, while mine does not? Why do they give them to some & not others?

Apologies if i'm being thick but I don't get it. Or do you mean that they will only send you a signed copy if you do a Subject access request?

With regard to DCA's, at the moment it's Arc, but it's also been through Moorcroft, Trevor Munn & probably others too (I don't have all my files with me right now) & it's been hanging a long time. I sent original CCA in march 09 & did not receive anything from them until december 09. However this did not stop them passing it on to the world & his wife.

As for PPI, no I didn't have this. Thanks again for your reply & the links - off to have a read now - my brain hurts but i'll keep going!

I really appreciate any & all help from whoever can spare the time.

Regards, Michelle.

[MandM]

Hi Michelle

however I still don't understand why the other Egg agreements that I have found posted on the website do include the date sent message & signed boxes, while mine does not? Why do they give them to some & not others?

There were a few court cases in the latter part of last year that paved the way for the banks to comply with CCA requests by sending reconstructed copies. As you got yours in Dec 09 you probably fall into that group. The others you have seen MAY have been issued earlier in the year.

Or do you mean that they will only send you a signed copy if you do a Subject access request?

What I mean by this is that I sent a CCA request and Egg never replied. However, when I sent my Subject access request they sent a copy of the signed agreement so it may be worth a shot.

With regard to DCA's, at the moment it's Arc, but it's also been through Moorcroft, Trevor Munn & probably others too

All the usual suspects then .

Keep posting as you go.

M

[calamoli]

Hi again M,

thanks for the clarification - i'm with you now - better late than never. I'll blame it on lack of sleep!

Have just finished my Subject access request letters (pleural, as there is also another Egg account to deal with - I think it was originally called Egg Card Blue? Then changed to Egg Money, if I remember correctly.) That one is more recent, maybe 2004 at a guess - will check that.) Thought I might as well do it at the same time. It took them nine months & 5 months respectively to cough up "CCA's" so I won't hold my breath over the 40 day time frame for compliance. Always the optimist

Should I start a new thread for the 2nd card do you think, or deal with them both here? Don't want to break any rules or upset anyone - this site is way too precious for that & I mean that sincerely.

You've made me wonder now re the PPI - more brain pain - but i'll just have to wait and see if/what the Subject access request's turn up on that score.

Sorry, just one more question, i've just recalled that I also had an Egg loan (with PPI i'm pretty certain) but I can't recall exactly how long ago. It was over 3 years & paid off in full by approx 2005/06, so I have no record or documentation sadly. Is there a time limit for this, do you know please? Also, if i'm within it, do you know how I would go about getting documentation? Is it impossible to do that with no records/account numbers? Sorry, i'm cheeky that's three questions!

Thanks so much for your advice, it's really nice to talk to someone in a similar situation & it would be great to keep in touch through this madness. I'm so glad I found this site - it's a real lifesaver. I just need to win some pennies back now so that I can repay the priceless help, support & advice that the CAG provides. You are all stars and after a really awful last few years personally, you are helping to restore my faith in humanity. Thank you for that.

Michelle. X

[MandM]

Hi Michelle,

If you Subject access request Egg, you should get the info for all 3 accounts with one Subject access request - the request is to the company as opposed to the account . Account numbers would help if you can list them on the Subject Access Request request, if necessary, try and find it through your own bank - where were the payments going? account number?

Got my Subject Access Request back just over the 40 days so it does work.

Definately start new threads for each card/loan, you will get confused and it makes it a nightmare to try and keep up with lol.

All payments to PPI will show up when you get the Subject Access Request back. There's no reason not to revist this after just 3 years - go for it! Be good if the loan had PPI - Egg were fined 3/4 million pounds for mi-selling loan PPI so they tend to roll over quite easily .

And sleep well - you'll get good help here.

M