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Found 5 results

  1. Hi Guys Despite my constant attempts to get APS Overdraft to 1. Supply me with evidence of the debt and 2. Mark it as default or in dispute They are constantly updating the report with a 6 marker but no default. The account shows no payment since March 2016 and hit 6 in Sept 2016. The message on the credit reports states; "agreed repayments are more than 3 months behind but you have agreed new repayments with the lender" which is total BS as I have never acknowledged the debt as it is not mine. My last letter to Equifax stated; Dear sirs This account is a pre-paid credit card account that has been in dispute since discovery in April 2016. To date there has never been any debt acknowledgement made and based on this fact, taking into consideration the I.C.O. Technical Guidance on Issuance of Default Markers & Notices, the account should not be generating recurring [6] markers but should in fact be defaulted (within 6 months of the first default (missed payment) occurring on the account) which means the record should be changed to a Default status with a default date around October/November 2016. Please rectify this error as the creditor is ignorant to my repeated requests. Failure to correct the incorrect data will result in a formal complaint being raised with the Information Commissioner who, as I'm sure you appreciate, take a dim view of deliberate breaches of data processing. Kind Regards xxxx Credit Report Ref No : 5xxxxxxxxx Name : xxxxxxxxxxxx Company Name : APS - CASHPLUS Account Number : 0000 Current Balance £ : 433 House Name or Number : xxx Post Code : xxxx xxx Start Date : 03032016 End Date : 31072018 Equifax replied (after 4 weeks) Dear xxxxxxx, Thanks for getting in touch on 20/05/2018 about the information on your Equifax Credit Report. APS Overdraft has investigated your query and have told Equifax that the account information is correct and should remain unchanged. This information is supplied by the company and we can't change it without their permission. You should get in touch with the company directly if you need more information. The note that we added, stating that your information was in dispute will be removed within 24 hours. ============== Any ideas what to do next guys as it looks as though it will be ever present on my CS :-x Thanks guys
  2. Hi I'm new to this anyone know anything about the legal position re fake delivery cards through the door from a Company called APS? There is no name or website on these cards just a number which never answers They quote "we called today to deliver or pick up" my address is quoted but NO NAME in the box? I've had 5 through in a week - the same person calls but I just ignore then - getting to be harassment now!! I'm sure I legally don't have to answer the door??? Thanks ANON[/size]
  3. Hiya, has anyone ever heard of a courier company called APS, i got a green card in postbox stating i had missed a delivery and to call their number to re-arrange, i haven't because the card is very vague with no customer name or even address on, plus i am not expecting a delivery. A quick internet search throws up some mixed results, anyone here help, thanks.
  4. Hello, I'm a new user and would be grateful of any pointers with this. I have recently been receiving cards through my door from a company Called aps? I'm not expecting any deliveries and they won't leave the 'parcel' With anybody else. Is this some sort of bailiff? Has anybody had similar experiences? Thanks
  5. hi,ive had a card through my door on several occasions from someone called aps saying something needs signing for,i do have debts,so my question is are these baliffs or court people trying to deliver ahigh court writ ( which someone tried to do last year ) your help would be appreciated many thanks also ive been told new laws come in this month making it harder for a baliff to remove goods etc
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