Many thanks kurvaface, I will certainly post up what they reply.

Sorry to sound like a plank but what is a ccad?

Do you mean I should ccad the credit card company or debt collection company? Many thanks for the quick reply before, much appreciated.

Thanks for starting a new thread for me maroondevo52. Only found this site a few days ago and cannot believe how helpful it is.

Sorry to sound like a plank but what is a ccad?

I think I am correct in saying that your agreement was only with the credit card company and you only have to abide by the terms in your agreement with them.

 

Have you ccad them to see if they have any agreement at all?

Sorry to sound like a plank but what is a ccad?

Does anyone know if, when a credit card company hands over your account to a service like westcot, if you still have the same rights to claim unfair charges they slap on at an incredible rate? Do they have to respond to the same "Unfair charges" letters, and send you a copy of statements etc? Furthermore, when westcot then sells on to another company and they charge you even more, is this legal? Here's hoping someone out there has some advice for me. Many thanks.

Hi Lou, I have received the same letter today, except I am the occupier and it concerns someone who stays with us. What decision did you make in the end, I am not sure what to do.

Hi all

 

Am I right in assuming that Apex Discovery Solutions are the same firm as Apex Credit Management?

 

I've had a letter today addressed to the Occupier asking if I live there as they need to contact me on a personal matter.

 

I've not rang them (following advice found on here ) but should I write back and say I do live there? I'm frightened of opening a can of worms tbh.

 

What's the best thing to do here?

Thanks

Lou

Hi Lou

I have just received a letter saying the same, I am the occupier but the person concerned just stays with me. What did you do in the end? Can you advise me what to do next.