APEX/BCW are (EDIT), they cant do anything to you unless they go for a ccj, which they have to get a sloliciotr for, apex in other words (EDIT) are just debt collectors they cant send people to your house demanding payment or anything of the sort, in fact it's against the law, you could get the police to remove them from your property for trespassing, I'm a solicitor so I do know all the in's and out's of this stuff, I've had dealings with these people before and all they are is (EDIT) who think they can force people into paying something they dont or cant even owe, and yes they are all in their teens or early to late 20's trying to get money to pay for their college or university education. Also if it is fraud dont give them too much information unless they can prove the debt is yours, if it was done on the internet, without a signature then they have little to stand on, dont give into them......

Ok people I wouldnt even worry about these (EDIT) BCW or Scotcall they are full of ****, all they like to do is (EDIT), plus they cant do a thing to you they are a debt collector not a solicitor, they cant by law send someone to your house, if they did you could just phone the police and get them arrested, end of story. I had an argument with BCW today and just basically told him to (EDIT) well what else could I do for god sakes I was at the hospital waiting to get my next treatment of radiotherapy so who wants to talk to (EDIT) who is younger than me for a debt I dont even owe. Ok I have 3 O2 Mobile phone accounts one for me, one for my mum and one for my dad, about 2 weeks ago I got a letter from the M.O.D about the laptop that was stolen, all my details where on it including yes my bank details so I was none too happy about that, 2 days aftert I got the letter I got a letter from my bank asking me to contact them I did that and they told me thakyou for opening a internet account with HSBC and the £2,500 overdraft has been approved , ok I was thinking wow why would I want to open another bank account with a bank that I have been with happily now for the last 10 years, so I put 2+2 together then I got the (EDIT) letter from BCW and the phone calls the funny thing is they are just asking to speak to a Mr****** sorry I had to blank that out, but they said they dont have a surname, so they told me that it is a debt for O2 of £120 I asked them when the account was opened and they told me it was opened on the 11th Jan funny isnt it cos I have only 3 O2 accounts and each one I have opened in an O2 store NEVER on the internet, I asked them what address they had, he said it was an address in Glasgow that applied for the phone and used it, and surprise surprise the application was done on the internet. They have dropped it now cos I phoned O2 this afternoon when I got out of hospital and they called BCW and told them what has happened, I feel sorry for them now "NOT" all they are is (EDIT) get the facts straight before you start ringing people when fraud is involved (EDIT) Oh and if I do get a response from BCW about that I must warn you I do now work for Bermans Solicitors, and seeing as you are a debt collector you cant do a thing................ Hope this helps people that are having trouble with these (EDIT) debt collector (EDIT)