As it happens we have sought the advice of a solicitor this week, as we have been inundated by letters from Apex threatening legal action and a doorstep collection agent. The solicitor has assured us that e can outright ignore any door step harassment, and the fact that my wife was suffering a mental breakdown at the time of making the agreement (a letter from the doctor was sent to HLC and Apex) would make it extremely difficult for Apex to make a successful court bid. With the stress that they are inflicting upon my wife, i am tempted to counter sue for harassment and mental stress

yes, i communicated with a friendly member of the HLC but even though i sent a copy of the doctors letter (which they did not have on file) they now say that it is beyond their control and is basically down to Apex now. I am sick to the back teeth of these vultures who (IMHO) have a claim on nothing. I am however concerned with the stress it is putting my wife under and i certainly do not want her to suffer a relapse. Does the fact that they failed to send any form of signed document for more than 12 months from request have any leverage? As ever, all and any assistance is most gratefully appreciated.

So here's the thing. Now i have received a couple of letters from Apex stating that they are sorely disappointed that i have chosen to ignore their letters, and then i got home today to a Debtors Notice claiming that unless i make payment within 10 days, a legal action may be taken against my wife or the property. So what do we do now if anything? Do we respond to it? If so, what do we say?? Do we ignore it out-right?? Did the letters we sent not put a stop to this harassment in theory? Any and all advice would be most gratefully received.

Hi, Palomino, Initial letters referred to Learn Direct, but i think as you suggest HLC is the tutorial group. All my letters have been by RD, and yes i told Learn Direct of my wife's health and offered to return the software pack unopened, and we would not pursue a refund of our initial payments. I thought that was pretty fair actually. I still have the pack btw, still unopened. Tor, thanks for the message, but i need proof that you are actually with HLC, please respond to my email. thanks all, will keep you posted. p.s had yet another letter from Apex, giving us 10 days to contact tem, before starting pre-litigation assessment of our account. Just keeps getting better.......

re: subbing Sorry?

I would really appreciate any help in this case. As you may note from my last messages, i have had nothing from Apex for a few months, but all of a sudden i have received 3 letters in the last month. The first was a statement (deducting the £1 cheque i sent with the initial template letter from the outstanding "debt"). The second was a demand, informing me to contact Apex immediately to resolve the issue. And now the third, outlining disappointment that i have not been in touch to resolve the debt, and telling me i need to get in touch straight away. At no time have they supplied any information i have asked for in the previous letters. They seem to be using the tack of ignoring the above letters, and the fact that they could not supply any of the information i requested. Should i ignore these letters? Can they still pursue the so-called debt? My wife is starting to get seriously anxious about these letters, and i could really do without another set-back in her mental health. Any and all advise would be most gratefully appreciated.

Can anyone advise my next move with this demand? Do i need to reply to Apex? And if so, how do i reply? Thanks in advance folks

Hopefully this has uploaded, Can Apex still pursue this amount even though i sent the letters requesting 12+2 day response? No i have not sent an SAR (whatever that is) should i have?? And will it affect my chances of getting these people to stop harrassing us???

Well, it has been a while as you can see from the last post. And just when we thought Apex had gone away, we received the following letter today: Original Client: Home Learning College Account number:********* Balance: £990 Please find attached your copy of agreement as requested, we are still awaiting receipt of statement of account. Once this is received from Home Learning College we will forward this to you. Team manager Miss K Hodgetts Accompanied with the letter was a phot copy of a fixed loan agreement showing my wifes signature but in the box "i wish to purchase" there is no information, and no signature signed for and on behalf of Aequs. Bear in mind the last letter i sent was toward the end of November 08. Can they still pursue us or is this harrasment? And what should we do next?? All advice gratefully received.

Seriously?

My apologies, the letter was from A S Securi-t with the Court as a sub heading. Any and all advise welcome thanks for such quick responses.

I long ago (late last year) received a pcn from A S Securi-t for parking on a car park of a disused warehouse. Following advice from this forum, i first sent a letter, and then ignored any subsequent correspondence. I heard nothing for probably 6 months, then today i received the following. Debt Registration Northampton County Court In the absence of any payment in regard to the outstanding debt relating to the parking notice V6029160, i write to inform you that the charge of £174.00 is now due. If your payment is received no later than 7th Sep 2009 no further etc. If your payment remains unpaid after the due date i will register the debt plus all costs incurred in the recovery with the Northampton County Court. Should a judgement in court be made against you, it may lead to detrimental information being registered against your name and address with UK credit ref services. Joe Tutte Litigation Manager. Can anyone advise me on this latest development? Are these empty threats to be ignored or is there a response i should make or pay up?? many thanks

Okay, well, Happy New Year everyone. And for a new years gift, i got a collection letter from RCS debt collection giving me 14 days to pay (wait for it) £174.00 or face court action. Do i even bother replying? Is there a likelihood that they could take me to court? And am i right in thinking that A-Securit own RCS? Thanks folks

Okay, so i sent the above letter the other day. Today, i have received another letter from Apex Thank you for your recent communication concerning the aforementioned account. I can confirm that i have today requested a copy of your signed agreement and a full statement of your account direct from our client The Home Learning College. Please be assured that upon receipt of this correspondence i will forward it to you for your perusal. We also require from yourself the statutory £1.00 fee required for such a request. Please forward this by return. I trust this meets your reqiurements. Now then. a, the deadline for the CCA request has already expired b,we already sent a cheque with the request which has not been cashed as of yet. Incidentally, the CCA request was sent by recorded delivery on the 31/10 Not quite sure what my next response should be, and does the CCA mean squat if they come up with the goods after the deadline? Also, where does this leave the second and third letter status? Naturally, all advice is most gratefully received. In your debt, and hopefully not in theirs.

Is this on top of the letter i have just sent (by recorded delivery) which i gratefully copied from this thread?

hi Just about to send 2nd letter out today after receiving no response to my CCA request and had a letter in the post Formal Notice of Defaulting Account Take notice that relevant documents are being prepared for the issue of county court claim against you. Judgement against you may result in - 1, additional legal costs and interest therein 2, entry of your name in the county court judgement register which may make it difficult for you to obtain credit 3, if the judgement debtor is a homeowner, and the amount of debt warrants, an order securing payment of the judgement on the debtors house. Such an order may be forced by a court orderr for the sale of the property. Guys (and girls)? Is this something to be worried about? Or hot air?? Obviously concerned because the stakes seem very high. Many thanks in advance.

Many thanks, i shall keep the forum posted

HI, Using a template from this forum i contacted Apex (with a cheque for £1, sent recorded) who were hassling my wife over an alleged debt to Learn Direct. My wife suffered a breakdown after illness and family bereavements, she had signed up for a course but after months fighting depression, she decided she did not want to do the course (in the meantime, we have paid around £200, and she has had no contact with a tutor) Anyhoo, we sent a letter after getting bombarded with letters and phone calls from Apex, the 12+2 days will be up next week and so far Apex have only sent us a letter threatening to send round assessor bailiffs. Once the time frame is up, what do i do? Is there another letter i am supposed to send to Apex, and are they legally bound to leave us alone. Incidentally, i sent a copy of a doctors note explaining my wifes condition AND offered to return the software pack (unopened) to Learn Direct but Apex stated that LD were insisting on payment. Help?

Hi, sorry to crash on this topic, but i am a complete novice on the net. I have sent a recorded delivery letter to Apex (with the £1 cheque) making a CCA request but they have not replied as yet (another 3 days will be the 12+2) but what do i have to do now? Is there another template letter to send? And if so can you advise where i can find it? Many thanks, and again sorry for interrupting. Sentinel

Hi, I have also been issued a parking fine from AS Secuti-T in Bristol. I parked on an empty carpark next to Staples just off the M32. I am a quality inspector and was attending a building site opposite. the streets are always understandably choccer-block with parked vehicles, and there is no easy accesible car-park (although ironically we are working on a new car park). The ticket states that i have violated regulations 1 & 8 1 being unauthorised and illegally parked, and 8 being did not use car park providers premises and went elsewhere at the time of issue of the ticket. The issuer obviously observed me leave the carpark, and then slapped the ticket on the screen. Although the ticket says i was on Staples carpark, i was actually parked at the opposite end of a shared carpark. The other unit on the site is closed down (i think it used to be a tile centre). Yes there are signs up concerning parking but i did not think they would apply if the store is empty. Now i am being asked to pay £70.50 for parking on an unused carpark for 40 minutes. Is this legal? Thanks for any advice