Thanks again for your input. Sorry for the late reply. I have not signed for anything. i know the debt exists but I doubt YB could provide a CCA as the agreement is probably 15 years old. The amounts that I have been paying YB have been credited to Apex as the amount on the Apex letters has reduced by the same amount. The debt does not contain any charges or fees. At the moment I am ignoring Apex as you recommend but on what grounds should I be making a formal complaint. Do you think that asking YB for a CCA is still the best route to take?

Anyone else offer other suggestions or help please. Still don't know what to do.

Sorry for the late reply and thank you to the posters for your advice. Being a novice at this type of thing, two things come to mind. I have two different answers and dont know which is the correct one to follow. I can understand the reasons for not contacting Apex but will not asking YB for a CCA not alert Apex anyway? My finances have been good for a number of years but due to number of things i am now using most of my income to pay all of my credit cards and anything i need i have to use a credit card. Would it be better to use another post to find out how to deal with this? thank you.

Hello everyone, I suppose like lots of people I have lurked here for some time but this is my first post so please be gentle with me. Sorry this is such a long post. Can someone help me with a problem with Apex Credit Management? Myself and my wife both have old credit card accounts with Yorkshire Bank which we were unable to pay and we were sent default notices in 2001. One account is for £2241 and the other for £742 We made arrangements with Yorkshire Bank and our other creditors and have continued to pay this arrangement without missing, ever since. Over the intervening years Yorkshire Bank have assigned the debt to other people on two or three occasions but we have continued to pay Yorkshire Bank and the payments have been accepted. On the 8th of April 09 we had letters from both Yorkshire Bank and Apex to say that the accounts had been purchased by Apex and that the accounts had been assigned to them on 26th February 09 and that all discussions about the account should be with them. We are to phone them to discuss a mutually agreed payment. Up to now we have continued to pay Yorkshire Bank but Apex are receiving the payment as the amounts owed by us is decreasing in their letters. On the 18th June 09 we have now had further letters saying that they are dismayed:rolleyes: that we haven’t contacted them and that they want to help us settle the account without legal action. They have also stated that, because of the serious arrears on our accounts, if we do not contact them within 10 days our account will be sent for pre-litigation assessment and they will consider legal enforcement of the debt against us or our property. How should we deal with this? Can they take legal action or CCJ us? Do we continue to pay Yorkshire Bank or do we contact Apex? Thank you in advance, any help will be very welcome.