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Hi i recevied a letter on 16 march 2013 from lloyds tsb dated 21 febuary 2013 to inform me that the debt was sold on to apex credit management on the 3rd of august 2012. Should i have been imformed earlier of this the account is still to be managed by aic this has been the case for the past 8yrs and has been done on the basis of income and expenditure Do i need to worry about this change Amd2012