Apex

[domyheadin]

My wife received a letter today from Apex stating that they are acting on behalf of Lloyds TSB, they say there is a outstanding debt of £2,300 pounds wich they are looking to recover.

my wife has not banked with Lloyds for nearly 4 yrs now and therefore was a little bit surprised to receive this letter, we have no idea what this is for, so I feel sending a request for a C.C.A. is a waste of time can anyone help pls with any suggestions as to how aproach this matter

[saintly_1]

You could either sent them a letter asking for proof of the debt

 

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

 

 

 

(Your Name) Print do not sign

 

 

Or you could SAR Lloyds TSB

I would do the proof of debt letter first see what they come up with then the data request from the bank

 

saint

[domyheadin]

tks saintly you have been most helpfull, I will send a letter of to them straight away

[domyheadin]

I posted a letter of to them, but I dont think I was quick enough for them.

Today my Wife received another letter of them dated 17/03 which was the same day that I posted the reply.

The letter stated FORMAL NOTICE OF DEFAULTING ACCOUNT

they say they are preparing the issue for a county court claim :o

Can they do this ?? we dont even know what it is about, should I send them a C.C.A. or should I wait and see if they reply to the letter my Wife

sent on the 17/03.

They say they want us to phone them and I know it is not a good idea to talk to them on the phone but this has happened so quick it is really worrying, I know they wont speak to me on the phone anyway as it is my Wife they want pls can anyone help as what to do next

[rory32]

Have they given any account information on their correspondence? I think you need to inform Trading Standards of what has happened and make a complaint to them. Also make a formal complaint in writing to Apex and if possible quote your Trading Standards complaint reference number on it.

[domyheadin]

we received another letter of Apex today, they wasnt so threating this time . They said we received the letter as a result of a incorrect trace, and could we contact there office and confirm are previous address so they could investigate further. I certainly dont feel like helping any D.C.A. in there investigation, is there any law that says I have to help them or will they not leave me alone till i do:mad:

[saintly_1]

No you dont have to help them at all .........

 

File the letter under ignore