Well thats it the phone numbers do not work anymore and the company has done a bunk,i mention to the company who gave the money to them a cheque in their name that surely they can recall the monies from where the cheque was cleared,but these said well we can give you proof that it was paid to them and they are acting like ****holes now and dont seem to want help me:mad:. So i just wonder where i stand as i heard that the company paying the money should of given me the cheque in my name and i forward on to collex their fee once the cheque has cleared. Alot of people are saying this and i am wondering if this is true or not.? I do have a couple of things up my slevee as i know the directors address etc and thinking of doing something to them without them knowing it is me. Thanks for the replys, the company is been investigated by the CIB but it still does not stop them as these have been watching them for months prior to this and they are still taking money of people. Thanks

Hello i am new on here and looking for advice? I have had a credit card from halifax over 10 years now, it was only a visa credit card but i think it must of been in 2007 they changed it to a mastercard and transfer my balance from the visa card to the mastercard.The only time i knew about this is that when i log in to online banking i noticed 2 cards on accounts now i click the visa one and that hs been trasfer to another account.Now i have a mastercard but i know i didnt changed this as and it just appeared and i rang them and i cannot remember what they said as this is 2 years ago now.I left it at that. But with all this unenforecable loans/cards i am just looking at this as this card has different numbers on the cards so i would of thought i need to resign a credit agreement? I may be totaly wrong but going past my old statements i was getting charge for repayment cover but this has stop since this new card was issued. Anyone else had this problem?

Also you can read more on this at Complaints, Make a claim as this is where we posted on here and other people have been done by them aswell.

Well i found out more about this company called Collex uk ltd based in liverpool.They contacted me and i sent them info about the company who own me the debt of £5500, they said they will send paperwork out to me and they can get onto this case asap. So 2 days later no reply from them but the company who own me debt ringing saying they had a bailiff saying they are collecting my debt,and if i didnt called them off i would never see my money again.So i phone collex and told them and they said we will ring them and tell them not to bother you anymore and to ring them instead,and they send paperwork to me. So anyway after a couple more of phone calls from the company it stop there.Until i learnt the collex was a scan company.I rang the company who owned me the money not to pay them but they said they have pay them in may 2009 and it was 25thmay at this time.So i rang collex and said that i believe you have my money now and when will i recievce it they said it be 30 days from the cheque clearing so it be about 6th june,no luck then so i rang them and they said it be 60 days as in the contract but i havent signed nothing or recivced anything from this company to allow them to collect it anyway.The only letter i was sent was to warned me off to not visited the offices again and gave a photocopy of their t&c`s which i have not signed.Told poilce fraund departmant but they are a bunch of ??????. These have not done 1 single thing about it.I want to know can i still go after the company which owns me money still as it is them i would of thought who has been defraunded and not me?. Any help and advice much needed.Oh the collex credit licence number does not exist on the office fair trading as i rang them to verify the number on the letter i reciveced. Sorry for the long post and hope i explained myself ok.

Hello All i have just register with this site after reading all the post (well not all) i found it interseting and i need advice aswell. Could anyone point me in the right direction. 1. a debt company recovered debt for me and i did not signed any t&c`s with them and now they have got my money and not pass it to me:mad:. 2. to do with the halifax bank i had visa credit card and next thing i know i have a mastercard which they up grader me to and now own money on. Sorry for asking questions here but i don`t know which forum to used??:? Well keep up the site as this is a very very good site for all consumers. Cheers for now trixie