I,or rather my wife got this letter in April. According to Apex, I'm dead and they are asking for a copy of my death certificate! Sorry it's taken so long to post this here but coming back from the dead is a very difficult and time consuming process. The amount of paperwork involved is unbelievable. I can reassure you all I am very much alive and have at no time been deceased. Where Apex got this information from I'll never know. http://i5.photobucket.com/albums/y157/jamesthecat/CAG%20letters/a18421ba.jpg

I tried to arrange an IVA but it failed because MBNA said that the IVA company were taking too much money. So I contacted every company myself and said that I would pay them all directly the same percentage of the money which they all agreed and I have been doing.... I agreed with EGG to pay them £45 which I was doing but then they sold the debt to APEX. APEX then started harrassing me every 3 months or so saying that they need a new full breakdown of my income and outgoings OR can I borrow the money off family or friends etc even when I told them that nothing had changed or my income has not changed but some of my bills have increased but I will carry on paying the same amount. Can I just refuse to enter into discussion about it beyond saying "Nothing has changed so you have the details" we've agreed £45 and that is all I can afford and all you are getting.

Please bare with me, this could be a long explanation before the questions come in. (this has also been asked on another forum, however the more opinions I recieve, the better my decision will be. If this is in breach of forum rules, I understand but, can't hurt to ask in more then one place). (Skip to bold for questions.) I have just been on a YouTube 'bender' (was going to bed at 11pm to midnight yesterday, now 13:35pm lol) culminating in my discovering a wealth of information regarding Council Tax, Debt Collectors and Debt in general and found some very useful information. I got into financial trouble back in 2009/10. I was dismissed from my place of employment, and did, at the time, advise my then bank, Lloyds TSB of the situation. Things eventually escalated, however I was still in contact with the bank via letters. I began recieving the calls from their delightful indian call centers. Most of which I ignored at the time the ones I did respond too, were all told that I was dealing with the situation with the bank. I eventually called for a meeting with my Bank Manager (turns out it wasn't, it was a woman acting on behalf, I believe) and laid out all my information, the fact that I was in negotiations with them, and nothing seemed to be happening. She did say she would look into it but negotiations may have to be completely restarted. A couple of weeks later I recieved letters from two 'Credit Services/Management' companies, aka Debt Collectors; Wescott and Apex. The debts were/are; One Loan, One Credit Card and One Overdraft, all with Lloyds TSB. I, at the time, had, I thought, no alternative other then to agree to make payments to them (, most letters marked debt collectors tend to make ones bowels move a little quicker), two of the debts to Wescott and one with Apex (still do not know why the debts were split in this way). All agreements to the Debt Collectors to my memory were done over the phone, I have signed no paper documents in their possession, however If I remember correctly I may have signed a Direct Debit confirmation, cannot remember. My question, is there a way to deal with this, or, has the ship sailed long ago? The direct debits were set up at the end of 2010, It is now 2012. Have i missed my chance to ask for evidence of debt? Does my payment via Direct Debit count as me admitting the debt? Answer.You can request information at any time CCA and or SAR. Any payment is acknowledgment of the debt. Am I able to request a copy of every single dealing I have had with them in the past, including any possible voice recordings where possible, and also verification of the debt. Or, as with above, have I missed my chance? Answer: You need to do a SAR for this and a seperate CCA request. From various sources online, I can request an 'Assignment Notice'. Could I only do this BEFORE making payments or can this be done at any time. IF they cannot provide confirmation that I have the debt, Answer: Would be supplied with SAR. I assume a piece of paper with my signature on (contract of some sorts), the debt is effectively nulled. Am I right in this assumption? Or am I waaaaay off target? (some clarification here would be very nice if possible). Answer: No Absense of paperwork does not mean that the debt cannot be collected, just that it cannot be enforced in court. Can I simply cancel direct debits, and send off template letters from another site or do I now not have a leg to stand on. I'm assuming it would not be possible in my case (I always miss good opportunites) Answer. You have acknowledged the debt and have been paying, stopping payment could well lead to court action. Note; This has been going on since 2009/10. The debt collectors became involved in 2010. I have Direct Debits with both DC's. All three Direct Debits have been running without hitch since 2010. I apologise for the massive wall of text but I would like advice and clarification before proceeding with any foolish YOU WILL BE DRAGGED TO COURT FOR TRYING AND FAILING action. (* note to anyone who may think I'm simply trying to get out of this debt, that was not my original plan, I was in talks with Lloyds TSB on how to pay this debt back. Im [bLANK] off that Lloyds effectively threw me to the wolves whilst I was STILL talking to them, and therefore want to know how I can deal with this.)

Hi guys, New user here. I was a student many years ago and had a student overdraft paying of £1500 paying no interest on it. Once I graduated, they started charging interest on it for the next few years. I used to keep an eye on it through internet banking as I've lived abroad since graduating. If it was approaching its limit (-£1500) through the interest charges (approx £25 a month) I would transfer some money into it. After having post delivery problems in Spain (unreliable post) I decided to change my address to my parents' in the UK. Did this as I moved around a lot anyway. So last August they sent a letter to my parents address informing me I was over my limit. I hadn't visited for a while so hadn't read my post. In October I transfered some money accross to the account as I noticed it had gone over its limit through checking my internet banking. Without me realising it, the money was returned due to the account being "cancelled". In November I tried to access internet banking and it didn't work. Called them and they couldn't tell me anything. They told me to go to the branch in person which I can't do. After my Dad then opened all my post I realise now my debt is with APEX credit management. I contacted them and asked them what info they have on me and got an email back telling me to pay into their account and also this sentence - "I can advise that clients will hold the information regarding the account as Apex Credit Management are dealing on behalf of and this information will not be given." Not quite sure what that means really. Am I the "client"? Or is my bank? My questions are as follows - 1. Lloyds had both a telephone number for me and email address but contacted neither. Can I not complain that they could have actually spoken to me before passing the debt on. I would prefer to pay the money back to Lloyds and keep a clean credit record. 2. This is a blemish on my credit record right? Will I have many problems in the future if I move back to the UK? How long will this last? 3. How do I know APEX have the right to collect my debt? Shouldn't they send me all the info they have on me? Do I have the right to request it? 4. How should I proceed with dealings with APEX? Is by email ok? Writting letters would take quite a while for delivery. Would happily pay the debt back to Lloyds to avoid all these issues. I haven't actually had any contact with them as I can't speak to my branch by phone and sending a letter would take forever. Many thanks for any replies. Dhonky

Hi everyone, this is quite a simple question: Apex have bought my old debt from Goldfish and have contacted me demanding payment. I have sent them a request for the original CCA. I then received a letter acknowledging my request from Caboot Financial, who are owned by Apex. Caboot however have given me a new reference number and they have a different address. They have also returned my £1 postal order. Should I send my letter to put my account in dispute to Apex or Caboot? It probably does not matter however I was thinking they do this for a reason... Your answers are much appreciated, Anthony

Just had a letter from a company dcm apex my DPM co. have folded is worth going to another one i had a plan since 2001 with DCM and only paid off some loans what is the best way to go about debts the other firm are advising a iva ?

Hi guys i would appreciate a little help or advice for my situation. I have a credit card loan with Northern Bank (NI) which has been sold to apex for collection. The credit card I initially signed up to is from back approximately 11 years, 2000 - possibly earlier. I have at times been debt free with this card only to build credit again at times when I wasn't working. The debt built to somewhere in the region of £1,800 last August (2009) just as I was returning from a year living in Australia, I returned to begin full time education so from August to September (when I enrolled) i was on the dole. From September onwards I wasn't able to collect any benefits as I was in full-time ed. With the course not being 3rd level degree I wasn't entitled to student loans or grants etc.. Around this time the bank had began sending the threatening letters about credit collection so I approached them with the view of defaulting the loan (on the back of advice from a class mate who had been a bank manager before returning to education), the branch manager looked at my income (non-existent) and my outgoings (transport to school) and said that a minimal amount would be sufficient each month and there would be a freeze on the interest and charges etc, unfortunately I only made this payment a few times. Fast forward a little and I'm now living in Cardiff (studying a full time degree), when I went home at Christmas there was a number of letters waiting for me, one from the bank saying that the debt was now £3,000 due to charges and interest and one from Apex credit management saying they were now enrolled to collect the debt. Since the start of January I have had a number of calls to my mobile, none of which I've answered from Apex and they have also phoned my parents house, who have consistently told them I don't live there and they don't know my whereabouts. I don't like my parents being hassled like this. Sorry about the long windedness of this post but I wanted to ensure all the info was out there so i'd really appreciate any advice on how to deal with this. Thanks northernpower

About a year ago we were 'persuaded' by Nat West who we no longer bank with to take out a loan to repay charges which they had continually applied to a small unauthorised overdraft and which had then become unmanageable. Nat West made it very difficult for us to repay as they insisted on only accepting direct debits from their account which we no longer used which made it difficult for us. Nat West have since got Apex Credit Management involved who send letters in my wife's name only when it was a joint account. We have called and written to Apex to point out the discrepency and that we feel the loan was mis-sold as we were pressured into it by the bank. They never respond to this and keep threatening legal action. Can anyone advise on what the best way to deal with this would be.

Hi all, Its only a very small victory, I know, but I got a lovely letter from The Apex Credit Management & Bulls*!t Production Company today telling me that Egg could not provide them with the signed credit agreement, or the default notice that was allegedly sent before assignment and therefore have returned the account to Egg and removed all CRA activity they have put on! Is there anything that I can claim from Apex (like all the payments I have made to them) to donate to CAG? I couldn't have got this far without reading the excellent advice from this site and would love to give back somehow... I still have my MBNA struggle and realise that I will soon be dealing with Egg again, but I SAR'd them yesterday and am not expecting anything new. It is just so lovely to get rid of the DCA, I find the original lenders much easier to deal with. Didn't think a bit of happy news would go amiss here! Feel free to comment RobboM

Dear Forum, I'm after a bit of advice in advance if you can help? To cut a long a long story very short I have an outstanding debt with LloydsTSB for £5600 I negotiated with LloydsTSB to pay £75 a month (should have been £246, this went on for a couple of years) but now they have passed me to these lot! After getting what sounds like the standard letter from the 'Pre Court Division' I went to the CAB website and filled out the budgeting forms. It calculated I could afford just £25 per month which I would be happy to set up a direct debit to pay on the 23rd of the month when I get my salary, (result)! I sent this off together with the CAB offer letter template (recorded delivery). This has since been delivered and signed for by someone with the surname Moorcroft, (family company)? Now bear in mind I sent this off on the Friday, after getting their letter on the Thursday and got a call at 8:30am on the Monday. The person on the phone didn’t know about the letter and was phoning on the off chance I presume. So I explained what was contained in the letter. After first asking for my card details for full payment there and then (lol) they accepted my offer of £25 per month if I could make the first payment today, no problem. I gave them my card details, £25 was taken from my account, they set up the direct debit and said they would review it in 2 to 3 months time. I have since received a letter from them setting out my repayment plan that stretches till 2029. Now I don’t want to seem blasé about this, I know 19 years is a long time to pay off a debt but I am quite happy to pay £25 a month for as long as it takes... So my question is how do I deal with the inevitable phone call(s) that will come a couple of months from now? How do I best phrase that I WILL NOT increase my payments for as long as the debt lasts? Any advice would be most helpful! Many thanks, TC