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apex threatening legal action


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Hi All,


i have an outstanding debt with cahoot which has been passed to these. i pay £25 per month, this month i must have underpaid by £5. Last night i got a call from apex saying santander were after legal action over £5. They wanted me to do inc/exp over the phone and were unhappy when i refused. Something stinks about this threat, think they are just after an increase, don't have a problem with that just object to being threatened.


any opinions much appreciated as usual.

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