also (sorry for multiple posts guys) should I put that I now DO NOT ACKNOWLEDGE ANY DEBT jobby at the top???

the above letter? DCA have no SAR

eeeeek I have done SAR to RBS - what do i write to DCA now???

do you think I could send this on? sorry curlyben I nicked this off you from mrkhm's post about moorcrap (I have also dealt with them, just paid off an £800 debt which I am now sorely regretting. They still haven't sent me the letter to say the account has been closed...)

heyyy don't worry the guys on here are great. Lots of support. This website has changed me in a week - I suddenly feel more positive and in control, and I haven't done much yet! Someone will be along to help you soon Let's hear your story (as postggj said) - explain what has happened and where each debt is at. Mini x

Dave One of the letters is in an earlier post. The cca letter was from a template on here, letter N. It is essentially the same except I put my bank details in and didn't sign it at the bottom just typed my name.

here we go.... ok received 2 letters form Apex: and This woman has awful grammer. Anyway they returned my cheque. I particularly love the way they NOW tell me they are APEX. And even better, I got a text message on my mobile today asking me to ring Buchanan Clark & Wells PLC re. my account! Well as far as I am concerned BCW don't exist anymore, so I will choose to ignore their request as they have of mine. Any thoughts appreciated, what is the next step? Oh and btw, I called my bank, they confirmed that the £70 was paid on Dec 27th to the account number that I have always been paying into, not my fault if thye have changed over and got it wrong. How an i supposed to send these idiots 'proof' of a standing order? I could pick that letter they sent me to shreds, they mentioned 27th but no month! What do 'attachment of earnings' and 'asset investigation' mean? Thanks guys

awww you guys are great x thanks for giving me the confidence to fight back - i'm fed up of being bullied into having my money taken from me for no reason!! will post back when I hear anything (no doubt BCW/Apex whatever they are called will probably call me tomorrow!) xx

Thanks Hopeful1 I know - letter I got was 'apex, previously known as BCW' and the message on my phone today was from BCW. I may even say that BCW doesn't exist as per the letter from APEX. I will deny all knowledge! ha! and ha! again! does anyone know if I can get them on 'debt collection guidance' rules from oft? who can I complain to? section 2.2 ©- examples of unfair practices: those contacting debtors not making clear who they are, who they work for, what their role is, what the purpose of the contact is Also: 2.2 (g) ignoring or disregarding debtor's legitimate wishes in respect of when and where to contact them....

wow dave on the rampage ur amazing! I have a Q.... BCW have got a default my credit file. last year I called up and asked for it to be changed to an arrangement to pay (AP) not a big fat D. The lady was not easy to understand (I dont know where she was from, couldn't understand a word...). Checked Equifax and there is nothing on there at all, she must have cleared the default as nothing is showing on Equifax through their website. Bonus! However after reading some posts I came across checkmyfile, and unfortunately on there CallCredit AND Equifax have a registered D. Any ideas i how to remove them? Is checkmyfile accurate? Anyway my other question was, can I get a defualt removed if the account is in dispute with the DCA/OC?

Yes I enclosed the CCA letter with the above letter, the £1 cheque and sent it recorded delivery so they couldn't say 'er we never received it....' didn't sign the letter just printed my name. been looking at an OFT document 'debt collection guidance' and on the basis of the letter I sent yesterday and the fact they telephoned me today knowing that the account in now in dispute means I can pull them up on a number of things listed. Do you think I can write to them and threaten to report them if they continue to ignore my requests? It's all to do with their CCL licence apparently... This is going to be fun... slightly scary but fun. I like fighting back.

Oh, and on the answer phone message they called themselves buchanan clark & wells! I thought they were Apex now????

hiya ok I sent the letters off yesterday via recorded delivery. Take a look at the BCW/Apex letter I sent: Got home today after work and my personal mobile has been off all day. Switched it on to find an answer phone message demanding that I phone them before 8pm. I don't remember giving my telephone details to them and they have never phoned (presumably becuase they have always had some cash from me on a regular basis). What should I do? I did say in the letter to contact me at my address only, should I write and say that I only want written communication? Either they are thick or just plain ignorant. let me know what to do next! Am already getting worried (this isn't for the faint hearted!) but really appreciate this forum for advice and help. Thanks x

Thanks pete that makes sense, shouldn't be much to pay back as I've paid £1500 and might be able to work out that their total charges leaves them owing me some money anyway

Hi Just looking for someone to talk me through this as you guys have obviously had experience with RBS. Now then, I had a student account with RBS whilst at uni. My overdraft was £1800, and being a student, i used most if not all of it. HOWEVER, I also have another £1800 worth of charges, I am paying back a total of £3600 (disgusting!). RBS passed my account onto BCW debt collectors, I'm assuming they sold my account off to them as I have not heard a peep from RBS and they put a default on my credit file. I have been paying £70/month, on a regular basis, for just over a year now, and still have £2100 to pay. I have began the process of sending off for statements/cca to the DCA. Can the DCA chase me while I am waiting for the statements? I have explained that I will not resume payments on the account until the matter is cleared up as the account is a result of bank charges, after I have received the CCA, and asked that they take no action on the account for at least 28 days. Do you think that's ok? Has anyone else had a similar experience ? Thanks x

you are a gem thank you

as far as I am aware, the DCA are solely dealing with the RBS account. I have, however, prepared a SAR letter for RBS. Do I need to send anything else to RBS while I am waiting to get my statements? do I need to send them a CCA too? Sorry for all the questions!

OC? do you mean the SAR requests?

oh and another quickie, should I sign the letters or just leave my name typed at the bottom (simple question I know, just wondering what's best o do). Thanks again

wow - you guys are fast! Ok so the dispute letter to the debt collectors (BCW), can the CCA I am sending be classed as a dispute letter? I have printed off 2 letters for them which I was going to post tomorrow, a CCA request letter, and another saying that I will cease payments and to hold any action on my account whilst it is in dispute. (I began paying to get them off my back, paid £1500 in one year, another £2100 to go - ridiculous RBS charges). Is that enough to be getting on with while I wait for my statements come through? Thanks x

Hiya I am beginning the process of claiming and after lots of reading up on the website have just about figured the process out. I know about the test case and that at the moment claims have been put to one side until further notice. However, some have said to submit the case so to get the benefit of the 6 years of bank charges. My question is, once the SAR has been sent to my banks, and the CCA to the DCA have been sent,how far can we go? I mean once I have calculated how much I am owed in charges (believe me it is a fair amount), can I get straight on with the preliminary letter? How much of the process can be completed while the test case is running? Cheers x

Hi Ok I was up until 3am reading this stuff and again been on since 10am. This is v interesting, a lot to learn if your new like me, but makes complete sense i think. Ok so far I have found all the letter templates, there was a great one on here for producing S.A.R - (Subject Access Request) for bank charges so I printed two off, one for Halifax and one for RBS, which I will post with cheques for £10. I have also printed off a letter for 'APEX' asking for a CCA. And I think I will also write to them informing that they received a payment and still demanding one, which they got. And also thinking of cancelling any further payments until I get the situation made clear aboout exactly how much I do owe. Does that sound about right? Thanks x

ok... so is an SAR basically asking your bank for details of bank charges? sorry I'm new to all this. What should I do about this APEX DCA? Pay them? Ignore them until I put a claim in? thanks for the help, much appreciated

Hi every1 I'm new to this site, I joined after opening a letter today from some debt collecting agency called 'APEX CREDIT MANAGEMENT LTD' who claim they were formallly known as 'BCW GROUP PLC'. They still have the same address, elm court, stratford upon avon. I have had a letter saying that I have 'missed a payment' and demanding that I pay immediately or they will begin legal action. Blah blah usual stuff. Checked my bank account and they (BCW) have received their £70 standing order that I pay every month. Also, I was not made aware that they were changing to another company name etc. and they are still demanding my money even though I've paid. What should I do How do I know I'm paying to the same people? Do I need to cancel my standing order? Again, I am only paying this because the Royal Bank of Scotland ripped me off with my student account with repeat bank charges and my overdraft went from -£1800 to -£3600 in the space of a few months! Talking of bank charges, a couple of questions: I was naive and entered into negotiations with BCW over a year ago to pay £70 a month towards my £3600 debt (ridiculous, but I didn't know what to do, was bullied into paying or they would send someone round. Doesn't bother me but I'm now at work all day and my nan is at home by herself so paid to stop them coming round and scaring her). I still owe approx £2000. Any ideas on what I can do:idea: I am wanting to enter into this reclaiming bank charges from RBS and also with my current account with Halifax. I was hoping I could reclaim some charges and tell APEX to get stuffed. And as I am not so good with legalities etc I was hoping to get one of these reclaim companies to do it for me, even if they take a percentage afterwards as I don't fancy dealing with the threatening letters and phone calls I'd rather pay someone else to do it. Can you guys suggest anyone? Thanks x x x