Don't know who is dealing with my debt! HELP!

[Trash]

I took out an overdraft in 2006 and it gradually crept up to over a £1000 (I was only 18 and didn't even know what it was!!)so in a state of panic and feeling the need to pay it back I stupidly requested a loan in 2007 which ended up-after insurance e.t.c- at roughly £1500. I was to pay it back at £85 pounds a month and I managed to pay once but decided to go to college and obviously my income dropped and I couldn't pay.

 

I recieved a letter from Apex Credit demanding money and began to pay them at £35 pounds but they would take the amount out at random times of the month and then I would incur bank charges. This carried on despite me informing them. I eventually told my mum who didn't know about the loan in the first place and she asked me how I even knew who these people were. I had paid them £400 pounds roughly at this point. I cancelled my payments and requested a C.C.A. I heard no more from them.

 

I then recieved a letter from Allied International Credit demanding money along with consistent phone calls leaving automated messages (I have never answered). I wrote to them requesting the C.C.A on 2/06/2009 and recieved one from the royal bank of scotland on 18/06/2009 along with a schedule of arrears. I was still unsure if this was the correct procedure as I thought A.I.C had to have a copy and could not just pass my letter on. Anyways despite the phone calls I had no written correspondance from them unit 11/08/2009 and this was offering me an early settlement at 50% before they passed it on to their 'collection and letigation department'.

 

Today I called RBS on the number in there letter when they sent the C.C.A asking why they passed my debt on without informing me and also who was currently dealing with my debt. The person on the phone told me that Apex had the debt and when I asked him why AIC were contacting me he said he would check and hung up the phone. I am now completely confused and don't know what to do as my next step. I don't have the money for AIC's early settlement as I am a student and I do not know if they even own my debt. I know I need to pay my debt but dont know who to. Apologies for the long post. Please help.

Edited August 21, 2009 by Trash

[IdaInFife]

can you scan and post up what you got in response for the cca?

delete any personal info

 

have you recevied a default notice or termination letter?

 

 

 

idax

[Trash]

I didn't recieve any response regarding the CCA. I think they forwarded my letter to RBS and then they responded as if I sent the request to them. AIC has not mentioned the CCA letter. RBS are not aware of them having my debt so I don't think AIC will even know if I recieved the CCA from RBS. Sorry My scanner is broken so I can't show you the letter that RBS sent me.

[IdaInFife]

The Pescribed Terms are these

 

A Amount of credit

A term stating the amount of credit

 

B Repayments

A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following-

(a) Number of repayments;

(b) Amount of repayments;

© Frequency and timing of repayments;

(d) Dates of repayments;

(e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

 

 

do you have a digital camera or mobile takes pics and save to the computer nad then upload hee from tinypic?

 

 

Apex will have probarbly passed the account to AIC to collect.

 

have you thouht about reclaming back anycharges from the overdraft account? and you can also reclaim ppi if any was on the loan.

 

Ida x

[Trash]

Okay I will attempt to do that but I'm at work at the moment. I will be happy to pay off the debt as long as it is to the right people. I didn't get any charges for the overdraft as it was authorised. I did take out ppi on the loan but was unaware I could claim it back.

[IdaInFife]

Payment Protection Insurance (PPI) - The Consumer Forums

 

to get yourself aquainted

 

ida x

[Trash]

I've attached a copy of the letter from AIC along with the CCA and Schedule of arrears that RBS sent me when I asked AIC for it. I've also just noticed that the two amounts of debt differ slightly? I'm pretty sure the debt is enforceable but I want to pay the right people and RBS are not acknowledging AIC.

 

 

 

 

 

Edited August 22, 2009 by Trash

[IdaInFife]

the agreement looks ok,

 

do you have the default notice and terminaton letter?

 

ida x

[Trash]

I can't remember getting them but I couldn't say for sure that I didn't. They didn't send a copy with the CCA should they have? I'm just getting really frustrated as RBS clearly don't know who has my debt and I don't want to get involved with the wrong people if they say that APEX has it. I'm also really wary because of the 50% thing. Why would they do that when they can get the whole amount? Should I call RBS again?

[IdaInFife]

because RBS have probarbly sold it and the dcas are ahveing a hard time and need as much money they can get.

 

may say that 2 companies have cntacted you and they say APEX has it butsomeoneelse is wanting payment. advise them that you are willing to apy and need theacc and sort code and ref number so that you can pay them direct until they sort out who it should be

 

ida