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    • 100's of like threads here  you found this forum get reading up.   the most basic thing you must do is simply write to the bank concerned and inform them of your current and correct address.
    • Hi,    Looking for some guidance here,   as with most people here left the UAE due to complications with my work, I came back to the UK over 6 years ago now and my brother has started to receive letters from IDRWW over the last 5-6 weeks asking to make contact or they will take it further. We are twins but our middle name is different.   He has made no contact with them as said it has nothing to do with him and they are contacting the wrong person. I did originally try to contact the bank when I originally came back to set up a payment plan to pay it off but they were not having any off it. The original debt was around £10k but the letter states 7 times the amount!    Looking for some feedback here, does my brother continue to ignore their letters? I have a home in my name and my wife's and I can't under no circumstance jeopardise that or risk it especially in the current climate.    Thanks in advance. 
    • Hi,   I work for a delivery company based in South of England that employs 3 London drivers. We only work 3 days a week and a total of 21 hours.   We were all placed on 80% Furlough again last December, in which has been extended until end of September 2021.   We all received an email a few weeks ago to advise that they were intending to resume London deliveries on Monday 12th April and due to the reduced number of customers that only one driver would be required.    One of the drivers resigned, so there is now only two of us. Therefore they suggested that we alternate between the two (some days furlough / some days full pay) but no holiday to be taken in the meantime due to no cover. Can they chose to do this, while using the furlough scheme?    I am not trying to look a gift horse and I am grateful to still have a job but I am only trying to cover myself from any possible implications in the future.   On checking my payslips in which I had to request as they were not forwarded, should the Furlough gross figure equate to 80% of my usual gross monthly salary?   Also if any holiday pay taken during furlough, should it be paid at 100% of my daily pay and not 80%?   Should my Work Place pension, tax and NIC be deducted from monthly pay?    Should the notification have been in writing rather than a brief email? Should there have been anything else to mention or agreed to?   There is also the issue about being asked to return to work considering that drivers have not been vaccinated or do not feel safe and we have received no delivery covid protocols information.   I have tried looking at the government and other websites but all seems rather unclear.    Apologies for all the questions but any advice would be appreciated or what I need to review or ask.   Many thanks for looking.    
    • It has been pointed out by rereading the contract:   The contract says, Vehicle Control Services, Company Number 02881745 but Companies House says this is the company number for London Southend Airport Company Limited. The contract says the client is London Southend Airport Company Limited, Company Number 02078271, but Companies House says this is the company number for the East Midlands International Airport Limited. A doubly false instrument.   How funny!   Can I object the appeal the application? if so what's procedure?   Obviously the application completely ignored the second judgement:  The Claimant's representative stating that without such information and evidence the Claimant could not prove his claim.
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Please Help! Received text from Apex


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I have received a text message this afternoon that reads:

 

Dear .........

 

We have been passed your account by out client. Visit https://maapex.apexcm.co.uk or call us on 0871 etc etc

 

I have no idea who has passed my account to these people and I don't intend to ring the 0871 no. Should I just wait for a letter? Is it legal to send these texts?

 

Thanks in advance.

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Ignore them until you get something in writing. They are fishing and more than likely texting several people with the same or similar name.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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17 Port & Maritime Regiment RCT

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Hi. I too received a text today from myapex.apexcm.co.uk today saying that my account had been passed to them by their client. I rang the number to find out what it was about and found out that it appears Egg have sold one of my accounts to them...I have two Egg accounts, both of which I have been paying a set amount to as agreed due to financial difficulties. I have done this for the past 2.5 years and never missed a payment. I have emailed Egg to find out what is going on and what is happening to the other account I have with them...no response as yet. Apex told me I have 48 hours to contact them with a detailed breakdown of my incomings/outgoings...am now really distressed about this due to information I have read about them on the internet tonight....help!:(

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As above don't do anything until you have something in writing and don't send them an I&E either.

 

SD

I have no legal training and any knowledge I possess is based on my own experiences

Previously on the forum as Diamond Girl but still having problems logging back in

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What even though they told me I had to do it within 48 hours? Should I wait for them to contact me in writing or should I be writing something to them? Sorry if I sound really dumb...the person I spoke to sound very official and said that Egg were quite within their rights to sell on my debt without informing me as I had broken the original credit agreement by defaulting although I haven't broken my subsequent payment plan...EVER!

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Thanks for replies....

 

Celbin, I too have an account with Egg, so am assuming that my text is ref to the Egg account. I am also making regular monthly payments by Standing Order and have done for over 2 years. I am now due a review with Egg and have been expecting them to get in touch with me anytime.

 

I have a letter from Egg that they sent 6 months ago confirming what my payment should be for the next 6 months and saying that they would contact me again for a review.

 

Are they able to just sell the debt like this when I have been making payments that they agreed to???

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Hi Booklover....sounds like we're in exactly the same boat! I too was told in April 2009 that they would contact me in 6 months (October 2009) to review my circumstances and as yet I have heard nothing about either account. That's what I don't understand either, I understand I broke the original agreement but I have kept to the subsequent one for the last 2.5 years so how can they sell it with no notification? It's just crap isn't it?:mad:

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What even though they told me I had to do it within 48 hours? Should I wait for them to contact me in writing or should I be writing something to them? Sorry if I sound really dumb...the person I spoke to sound very official and said that Egg were quite within their rights to sell on my debt without informing me as I had broken the original credit agreement by defaulting although I haven't broken my subsequent payment plan...EVER!

 

Wait until you get something in writing, the telephone monkey you spoke to is commission orientated and doesn't know what planet he's on let alone anything else.

 

When they do contact you start a new thread here and we'll advise, meanwhile do not speak to them on the 'phone. If they ring you tell them you will only communicate in writing and hang up. They will not commit to paper the rubbish they'll spout on the 'phone. ;)

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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Thanks for that Cerberusalert, it's just so annoying not knowing who to believe and what to do, conflicting advice all over the place! I shall not respond to them and see what happens.

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Certainly is crap! Egg have been really good about my financial difficulties and I have made damn sure my standing order was set up so that I never missed any payments. Egg even told me on the phone that as long as I was making the agreed payments the debt would stay with them. I'm still only assuming that this is Egg in my case, but it sounds likely.......our experiences are identical!

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Me too, I had my interest frozen and am now worried that these monkeys from Apex are going to start adding stupid amounts of interest to my debt, will just have to wait and see what happens I guess, let me know if you hear anything Booklover.

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Celbin - again.....same here, my interest was also frozen. I owe quite a bit, so if they charge interest i am going to be getting nowhere. I'm just going to wait for a letter and if it is about my Egg account, I am likely to challenge Egg first as to why this was sold on when they were due to review my account. As it happens I could probably have stretched to pay a bit more. I'm not going to worry about it......they can't have what I havent got and I have been making regular payments.

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The first thing to do when they do contact you in writing is to send them a CCA request to see whether there is an enforceable agreement in place & they have the right to collect. As for adding interest and charges, if the a/c has been sold on to a DCA 99.9% of the time they cannot legally add these charges.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

If they are unable to provide an enforceable copy of your credit agreement you can legally withold payments & they cannot take any legal enforcement.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Booklover I also owed quite on both cards in total although this has come down quite a bit with the frozen interest, and that's what I'm worried about with Apex buying my debt, it will just feel like all my hard work has been for nothing!

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If they have bought the debt they cannot add interest or charges.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Thanks cerberusalert that is certainly a relief...after years of paying and finally seeing the wood for the trees it's nice to know that they can't hike it right back up again!

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Hi

 

I am in the same situation, received a text from Apex 2 days ago, ignored it. Received a letter today informing me that they have purchased my account and all rights interest and claims in respect of all amounts outstanding on this account (from Egg)

It is 'apparently' imperative that I contact them regarding the existing arrangement I have with Egg, in order to set up a new arrangement.

I will send them the same letter I sent to Egg when I set up the new arrangement with them.

I was wondering how much they purchased my account for, can I request this info under the freedom of information act?

If I go to there website they seem keen for me to pay off the whole debt by making a reduced offer. https://myapex.apexcm.co.uk/settlements anyone know the lowest offer these peoiple might accept?

 

Jeremy

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