Lloyds gradute A/C O/D - now with Apex/Satchi.

[iamintrouble]

Thanks Cerberusalert, do I send the DCA request to Apex or Lloyds? Is it ok that the account is an overdraft with masses of interest?

 

I offered repayment because I was sick of the constant crap from Lloyds and then Sechiari and now Apex/Geoffrey.

 

They just carry on demanding the full amount and threatening court. There have been a couple of times they have caught me off guard and I considered phoning them.

[cerberusalert]

Is it ok that the account is an overdraft with masses of interest?

in that case you'll need to send a sar to the original creditor http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca to determine what unfair charges you can reclaim.

 

Meanwhile you'll have to write to GPB saying that you dispute the debt due to the unfair charges.

[sportsflash1]

Also when dealing with GPB make sure everything sent recorded delivery.

[gustavius rex]

l have had dealings with these guys on a couple of occasions. lt seems to me that it is some sort of a mailing outfit as my letters are identical to yours. l've not been to court, yet, as a result of Geoffrey Parker Bourne and l have the feeling creditors use them at low fees to mail threatening letters only. l've never tried to find out who they really are, but, shall do that today. ln my humble opinion, do'nt worry, but, it could be interesting to see what happens if you do send them a subject access request as they must have received data from the creditor. You go and get them.

Gustavius

[gustavius rex]

l have had dealings with these guys on a couple of occasions. lt seems to me that it is some sort of a mailing outfit as my letters are identical to yours. l've not been to court, yet, as a result of Geoffrey Parker Bourne and l have the feeling creditors use them at low fees to mail threatening letters only. l've never tried to find out who they really are, but, shall do that today. ln my humble opinion, do'nt worry, but, it could be interesting to see what happens if you do send them a subject access request as they must have received data from the creditor. You go and get them.

Gustavius

 

 

 

As l thought, they provide what is called ...''VOLUME INSTRUCTIONS''....for personal debt. That means nothing more than the provision of a solicitors letter (to scare the living daylight out of you) for £35.00 a pop. But, as l said, go ahead with your SAR and let's see what comes along.

Gustavius

[Allwood]

I have had the same letter from these people as well, a the time, I did not think to look at the top of it where they have a bar code and it had the DCA reference on it. That was back in 2007.

 

I wrote back to GPB saying that I did not acknowledge any allege debt to their client that they were acting on behalf of and I also sent the same letter to the DCA both recorded delivery asking for CCA and I also sent a SAR to the OC.

 

Got my £1 back from DCA saying that they were going to asked the DCA that they were collecting on behalf of to let me have the CCA. Nothing tuned up that is because there was no CCA in the SAR bundle from the OC and also the allege was statute barred.:-|

[iamintrouble]

Thanks, I have sent a Subject Access request and all I find is interest which I assumed was my fault. I have tried sending a CCA request but no luck, the debt just got passed on from Sechiari. Someone said I shouldn't send for a CCA request if it's an overdraft. Is this true? In that case, what do i do next? (Arghhh!)

 

I also sent them a letter asking for repayment but they keep threatening.

[count orlok]

correct, overdrafts are not covered by the CCA '74.

[iamintrouble]

So what do I do now apart from panic and beg for mercy?!!

[gustavius rex]

So what do I do now apart from panic and beg for mercy?!!

 

 

Not to worry. GPB are not involved other than to scare you. Get back to Apex again, but, make sure it is in writing. Then start to pay them what you can afford, say £1.00 a month. They may not accept this and demand more as well as threaten you with GPB letters again. Again, do not worry, but, keep up your £1.00 payments. lf they go to court they will loose out as you can prove good intent - you pay and that as much as you can afford. Any judge will find for the claimant, but, order you to pay the same or just slightly more, why most creditors avoid court.

Good Luck

GR

[batman1956]

Would this not be covered by Data Protectioni.e passing details to a 3rd party and also should a default notice be sent with an opportunity to remedy the breach before involving this firm of "solicitors" if indeed that is what they are.

[jakemittle]

Yesterday I got a letter from Geoffrey Parker Bourne solicitors, with the heading of 'Pending legal action' Does anyone know who GPB solicitors are? They have a very similar address to Apex.

 

Anyway the letter says:

 

"We have been instructed by Apex Credit Management in relation to your outstanding account in the sum of £1,980.14

 

Unless our client receives payment in full or a valid reason for non-payment of the account within the next 7 days, court proceedings may be taken against you without further notice.

 

Should court proceedings be issued, you may be liable for court fees and solicitors costs which will significantly increase your balance. In addition, if judgement is entered against you, it may impede your ability to obtain credit in the future.

 

Should you wish to avoid such action, you should telephone our client on 0871 2442808 and one of their advisors will discuss the matter with you.

Please note, we are instructed not to enter into correspondence with you at this stage but to refer you to Apex Credit Management. You can contact them on the number stated or at the address on previous correspondence."

 

I have sent Apex a letter explaining that I can't afford it and that I am willing to set up repayment on the account. It seems like they passed the account straight on to Geoffrey Parker

 

Should I be worried? I have never heard of this firm before, I looked them up on here and apparently these guys don't play around. I am really scared this guys could take me to court.

 

Thanks

 

I just received EXACTLY the same letter!! (barring the amount)

[batman1956]

Would one of the site team please comment on post #13 as this affects most of the posters on this and other threads regarding the sending of a letter from a "solicitor" which is possibly just a bulk letterhead sent from the same office.

[spamheed]

Would this not be covered by Data Protectioni.e passing details to a 3rd party and also should a default notice be sent with an opportunity to remedy the breach before involving this firm of "solicitors" if indeed that is what they are.

 

They will simply respond with the usual "You gave permission to process when you entered into the agreement" the fact that it is for an overdraft and not a CCA governed account would mean that when the account was created the customer consented to their data being shared - this has never been fully tested through the courts and as such they will stick by the same argument until it is.

 

Apex have passed it to GBP not the OC, so any default should have been long served before even Apex got the account.

 

Also the soliciotr would normally be acting on the say so of the same DCA, so they could argue it has never been transferred, they are merely escalating their enforcement actions

 

 

Sorry: Devils Advocate

[cerberusalert]

Thanks, I have sent a Subject Access request and all I find is interest which I assumed was my fault. I have tried sending a CCA request but no luck, the debt just got passed on from Sechiari. Someone said I shouldn't send for a CCA request if it's an overdraft. Is this true? In that case, what do i do next? (Arghhh!)

 

I also sent them a letter asking for repayment but they keep threatening.

 

If you work out what the totals of the charges are you should start to reclaim them, see; http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

[sportsflash1]

I know GPB churn out these letters and some of you might be tempted not to take them seriously. BE CAREFUL - they can and will go for a CCJ if you let them.

 

They tend to back off when confronted with CCA requests etc. but you do need to be on the ball with them - everthing in writing, recorded delivery.

[batman1956]

Dont mind devils advocate spamhead I would prefer to know rather than write to them and be made to look a k**b. Thanks for the input.

[woolfysmith]

FYI

 

If its the same Geoffrey Parker Bourne that i know in Stratford upon Avon, I have visited there on many occasions, just a bog standard lawyers office with a dentist type reception and a few odd looking people in ill fitting suits looking very over worked and underpaid

[batman1956]

If you google the address for Geoffrey Parker Bourne it also shows a door to door collection agency called Face2Face contact !!!

[Adam69]

They used to have an address of 1 Clopton (?) Road, Stratford, which is the corner of the IJ building as you enter Stratford town centre, the building is quite distinctive as it's built up on what look like brick stilts. I only hope that no runaway JCB ever hits them and causes the building to collapse because that would be a terrible disaster wouldn't it? Wouldn't it?

[iamintrouble]

Please can someone help me? I have 2 accounts with Lloyds which have been out of control and have been passed from DCA to DCA for years. I owe about £2000 on both and I cannot afford to pay them both off.

 

My only option is to pay them off but everytime I try and offer a little bit of money to the DCAs I get threats and they ignore me.

 

Today I received a note from Allied International Credit (UK) Ltd, Glasgow. I have never ever heard of this lot. It says:

 

"Warning!

 

Our Client has informed us that under their terms and conditions, as Formal Demand has been made, payment of the full outstanding balance must be made immediately. Should you need to discuss your account please urgently call: Mrs L O' NEILL 0141 2283039.

Attach payment to this notice and return immediately"

 

It has a reference number and a account balance but I have no idea which account it is for, there is no other information.

 

What do I do? I am sick of offering DCA's money and them ignoring me. And I have never heard of Allied International, the letter looks so dodgy!

[Delta-Charlie-76]

Under no circumstance phone them. If they phone you, put the phone down on them, also keep a log of all calls they make to you. If you get into any conversation with you they will bully you, trust me.

 

They are a very nasty company to deal with, if the calls get to much send the Telephone Harassment Letter.

 

Sit tight they should write to you to tell you what account they are chasing, then when they do, we'll take it from there.

[Delta-Charlie-76]

Brains playing games tonight...

 

If they get into a conversation with you, they will bully you, trust me.

 

Sorry fingers working faster than my eyes & brain...lol!

[maroondevo52]

Hi,

 

What sort of accounts are they ?

[dx100uk]

hehe AIC,, our old bottom feeders .

 

ignore them & dont be too stressed bout DCA's not wanting your money, there are 1000's on here that will envy you i bet!

 

pay no-one NOTHING, unless they can produce paperwork to prove they have the legal right t o accept it.

 

how many years are we talking about here?

 

i'd say you're on a phishing list and just get passed around..

 

hit them where is hurts...ignore the#m

 

there is nothing they can do to you.

 

dx