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Apex cca request


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Hi i sent a cca request to apex credit management back in january 09 and iv heard nothing off them since no phone calls or letters. Do i leave it as it is or do i need to contact them about disputing their claim. I would be greatful if anyone can help me on this matter. Also i was paying them for a year or so which totals over a £1000 until i found this site and realised that they had no right in demanding payments from me. If the debt is not enforceable is it possible to get that money back off them. The loan was taken out with cahoot at the beginning of 2005 and passed to apex in 2007 thanks for reading.

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You could send the 'In Dispute' letter http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

 

If the debt is not enforceable is it possible to get that money back off them.

 

If there are unfair charges you should reclaim them from the original creditor, but all this is likely to do is reduce the overall debt they are claiming.

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