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Natwest and Egg CCA's - both pre 2007 Credit Card Agreements
Good morning all,
Back in August 2018 I decided that I was going to do something about these two bloodsuckers. I had been paying them a minimum sum for years. You see, It had dawned on me that they were perfectly happy to let me carry on doing this. They never bothered me, why? Well, I figured that the reason was that their pre 2007 agreements were probably UE and they did not want to rock the boat!
So, I uploaded the NatWest and Egg agreements for NIddy to take a butchers. He advised that both agreements were lacking most of the main terms, so I ceased payments.
As yet, not a squeak from Barclay/Egg. However, it took quite a while but Cabot/NatWest popped up with a reminder that I had missed a payment. So I CCA'd them.
Cabot acknowledged me and advised that they were seeking the required docs from the original lender, NatWest.
They got back to me at the beginning of March 2019 with what looks like a recon of the agreement, a short summary of my payments & current balance and a ten page completely illegible copy (apart from the first page marked General Terms) of what I assume is the Terms and Conditions. Oh, and their covering letter that stated that they were happy that their agreement was now enforceable!
I gave then a couple of weeks and wrote back informing them that their obliterated copy of the Terms& Conditions would not cut the mustard and that their Agreement was therefor unenforceable.
Interestingly, I noticed some tiny text as a footnote on the second page of the recon agreement which said that the Terms and Conditions form part of the Agreement between NatWest and myself. Is that legit? The Agreement was dated November 2005 and only carried my signature and date of signing. There was no signature from Natwest present.
Niddy, if you see this post, I will be grateful if you will take another look at this NatWest Agreement and guide me through the Main Terms and other text that make this NatWest Agreement UE.
Back in August 2018 I decided that I was going to do something about these two bloodsuckers. I had been paying them a minimum sum for years. You see, It had dawned on me that they were perfectly happy to let me carry on doing this. They never bothered me, why? Well, I figured that the reason was that their pre 2007 agreements were probably UE and they did not want to rock the boat!
So, I uploaded the NatWest and Egg agreements for NIddy to take a butchers. He advised that both agreements were lacking most of the main terms, so I ceased payments.
As yet, not a squeak from Barclay/Egg. However, it took quite a while but Cabot/NatWest popped up with a reminder that I had missed a payment. So I CCA'd them.
Cabot acknowledged me and advised that they were seeking the required docs from the original lender, NatWest.
They got back to me at the beginning of March 2019 with what looks like a recon of the agreement, a short summary of my payments & current balance and a ten page completely illegible copy (apart from the first page marked General Terms) of what I assume is the Terms and Conditions. Oh, and their covering letter that stated that they were happy that their agreement was now enforceable!
I gave then a couple of weeks and wrote back informing them that their obliterated copy of the Terms& Conditions would not cut the mustard and that their Agreement was therefor unenforceable.
Interestingly, I noticed some tiny text as a footnote on the second page of the recon agreement which said that the Terms and Conditions form part of the Agreement between NatWest and myself. Is that legit? The Agreement was dated November 2005 and only carried my signature and date of signing. There was no signature from Natwest present.
Niddy, if you see this post, I will be grateful if you will take another look at this NatWest Agreement and guide me through the Main Terms and other text that make this NatWest Agreement UE.
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