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Egg and apex DCA

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Egg have reared their ugly heads on a debt. I haven't paid anything on it for well over a year now. They have sold it to Apex, who are now chasing me. I CCA’d Apex a while ago (using a copy of an old letter) but wonder if I’ve done the right thing – am I right in thinking that following the Manchester case that I shouldn’t have done that? I've been trying to read through dissecting the Manchester case thread but its taking me a long time. Please, any advice would be appreciated. Apex have sent back a copy of the CCA but as it was taken out online probably means its enforceable. However, they haven’t attached the PPI docs which I know they should. Can I still put the account in dispute because of that?

I’ve been away for a while due to my own ill health and that of a close family member and am not fully up to date with things so please excuse my ignorance.

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If they have provided nothing with 12 + 2 days then the account is in default.


Sometimes they try and wriggle out by saying they do not now have to produced a 'true' copy, but, no matter how it is contorted, they still need the original to produce in any Court proceedings and make the alleged debt enforceable.

Every journey begins with a single step :):)


Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.


If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You


The only person entitled to your Personal Finance details is a Judge not a DCA


Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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