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Following a CCA request in June and a follow up reminder to Crapquest I have at last received these letters (below), I have been paying token amounts on this account for years. Egg issued a default probably 5 or 6 years ago maybe longer on this account.
Now reading through this letter am right in thinking that for now this is the holy grail in which we all seek until such time as they can produce an enforceable agreement?
The letter from Crapquest says "enclosed reconstituted copy of agreement", the one from Barclaycard says they don't have it, enclosed with the letter are terms and conditions only from Jan 2002, no name, no address, no account number - nothing.
I have stopped my payments now, am I right in that no default can be registered if they have done this before regardless of who owns the account and however long ago?
They do say that they will hassle me but so what? If there is fuck all they can do legally they can go forth and multiply.
Advice from those in the know please?
Now reading through this letter am right in thinking that for now this is the holy grail in which we all seek until such time as they can produce an enforceable agreement?
The letter from Crapquest says "enclosed reconstituted copy of agreement", the one from Barclaycard says they don't have it, enclosed with the letter are terms and conditions only from Jan 2002, no name, no address, no account number - nothing.
I have stopped my payments now, am I right in that no default can be registered if they have done this before regardless of who owns the account and however long ago?
They do say that they will hassle me but so what? If there is fuck all they can do legally they can go forth and multiply.
Advice from those in the know please?
keep those letters safe 
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