Egg and Apex

[BrightSide72]

Hi All,

 

I was just wondering what is happening with everyone else whose accounts were sold to Apex. I have refused to pay them anything on account of not having any proof that they own the account (on requesting proof/ Notice of Assignment from Egg, they merely sent me the previous letter they sent with egg headed notepaper, but this time without even the egg header!) I have since moved house, and haven't yet told them my change of address (I have told Egg), so haven't heard anything from them, but I wondered if they had been harrassing anyone else now the Slater judgement has gone against us all? Have they gone for a CCJ with anyone? Thanks

[BrightSide72]

No-one? I know there were quite a few of us on here in the same situation - has everyone else started paying up then?

[Roary]

Hi Brightside. I've not looked at this forum for a little while. I was going around in circles with Egg and claiming unenforceablity in relation to Pt's case. Apex stopped writing to me, I guess because they were waiting for the outcome too. When the judgement was handed down I expected them to come after me again but have heard nothing from them for months now. No letters. No phone calls. I've not moved or changed my number.

 

My debt is only about £2k. Maybe they have decided I'm not worth the hassle for the pittance that they probably paid for it.

[BrightSide72]

That's good to know. I guess they could find me if they really wanted to - I'm on the electoral roll etc. My debt is around £6k unfortunately - so I imagine they'll be after me at some point. Although I expect they only paid around £600 for it. Why Egg couldn't settle with us for that amount I don't know...

[FightToTheEnd]

I have challenged Egg on unenforcablility re "Approved LImit" and also thier right to terminate etc and my account was passed to Fredericksons - nothing heard at all since August and I too thought they would be back like a flash once the Slater case was decided!

[ajs444]

Have been chased by Foreskin International for about 4 months now, also letter from Brian Carter. Still had no letter of assignment, getting continuous calls from Foreskin, 4 this morning already, just ignoring them, they want to speak to me, why? It's like a rash that keeps coming back, haven't paid egg for at least 12 months.

[Mum2Four]

I don't know if this is any use or not but I have also had an egg loan passed to various DCA's and passed back again, currently with Apex. They've not produced a valid agreement as yet, and I never have seen a 'letter of assignment' from Egg so it tends to be a case of letter tennis until they pass it back to Egg again.

 

The thing is I can only offer a token payment to any creditors anyway due to my circumstances, so the original creditors are all fully aware of this and I must admit to finding it quite funny when another template threat-o-gram turns up. 'Here we go again!' I owe a fair bit of money to a large number of creditors but individually probably not enough for them to bother with, although I always expect court letters to turn up at some point. Egg were always the worst for calling at all hours, but changing my phone number stopped that.

 

I have been in this situation for nearly 3 years, so am kind of getting used to it all now. I can't pay what I don't have.

 

I would also be interested to know if Egg have gone down the CCJ route with anyone here yet.

[flubber02]

I had my account "taken over" by Apex and they chased me for months. We exchanged letters with me asking for CCA and all the legal stuff. I made them an offer in writing to settle the debt, which they refused about 6 months ago. I since haven't heard from them! I am expecting something one day but am enjoying the silence for now. Maybe they have forgotten about me

[poundhound1808]

Hi,

 

I'm in the same boat with the Approved Limit agreement. The card is from 2005, I first CCA'd Egg in September 2009, they initially agreed to reduced payments for six months until March 2010, Egg then defaulted (DN possibly faulty on arrears amount but ok on dates) and terminated the account. Stupidly (?) I never put the account in dispute, just did nothing.

 

I've now had a letter from DLC demanding payment, to which I responded with a CCA request, just to buy time, hoping to put the account in dispute if they don't comply. DLC have since sent another letter threatening the usual (litigation department, CCJ, charging order).

 

I have to say I'm very worried as after the Slater court case the agreement is enforceable, and all I'm doing now is buying time until they decide to take me to court.

 

Maybe we can keep this thread going and collate people's experiences? Would it be a good idea if a mod could change the thread title to reflect this?

 

ph

[BrightSide72]

I still haven't heard anything - but just read that Barclays have bought Egg from Citi...anyone any idea what this might mean for us?

[flubber02]

I suppose if Egg sold the debts to Apex then nothing will change. We don't owe Egg anymore

[BrightSide72]

I guess I am wondering if Egg really did sell the debts to Apex though? I've never seen any proof & it's curious that they haven't chased any of us for several months.

[flubber02]

Good point. Seems to be too quiet to me from Apex. If they had paid for a debt, they wouldn't stop chasing it!

[Hopster]

Apex wouldn't have paid Egg

[flubber02]

They would have bought the debt at a reduced ammount

[chelsea101]

anyone heard anything from apex recentlyall qiuet with me at the moment

[flubber02]

No all spookily quiet for over 6 months now!!! And Egg has been sold so not sure who owns the debts

[flubber02]

Letter received from Apex of official statement. They say they "took official assignment of your debt", which doesn't really say if they are just collecting or own it. Funny as I had no contact for months and now this which says "INFORMATION ONLY - NO ACTION REQUIRED". I am confused now!!!

[chelsea101]

Hi

Received the exact same letter as well

also supplied me with an information sheet from the OFT

Thought it strange as well seeing as i've had no contact for months either

[dexter35yrs]

hi people so i take it that if the original creditor sold a debt to apexxx should the OC have sent me notice of doing so ? and if apexx state they now own the debt how can we believe them? thanks

[flubber02]

I heard nothing from Apex for months, then recently a yearly statement. Closely followed by a letter saying I hadn't been in touch and it might get serious if I don't. I wrote to them offering a small monthly payment (£30 per month). They wrot eback saying as I hadn't been in touch to arrange payment it might get passed to legal... again! I wrote back again saying they seem to be confused as I have made an offer, which isn't the first. I have even offered to clear it at a much reduced amount which they refused in the past. Yesterday, another letter arrived saying I needed to make an arrangement to pay or else. I have tried. I'm not going to phone them whcih is what they want as then they will try to hassle me in to paying more than I can afford. I don't want to keep sending sarcastic letters, politely explaining how stupid they are if I can help it. Do I ignore them? The debt is more than 6 years old now, can they do anything? Apex Credit Management seem to be completely useless

[andydd]

Ive had letters from Apex saying theyve bought account from Egg but they didnt ask for any money, strangely Ive had another letter recently saying they still have account but the letter says this isnt a demand for any money..strange !

 

Andy

[flubber02]

They are a strange company. It all went quiet for over 6 months and now they are sending letters but nothing ever happens! It's hard to resist being very sarcastic with them. I suppose what they want is for us to telephone them and then they can put the pressure on

[flubber02]

Finally they acknowledge my offer by asking for full income and expenditure. Might go back to ignoring them, they irritate me so much!!

[WelshMam2009]

I've recently begun receiving a flurry of letters from Apex's in-house legal team Pinnacle (and I use the term "legal" very loosely!!) threatening to take me to court. This is despite the fact that the very last letter from them, prior to this latest assault, stated that they would not be pursuing any debt collection activity until they had provided me with proof that the debt had been assigned to them together with a copy of my credit agreement. I've just carried on ignoring them in the mean time.

 

I don't think their systems can be very sophisticated as they keep churning out these automated threatograms even when you have been communicating with them.

 

My gut feeling is that money has not been rolling in for Apex, on these old Egg accounts, as they thought it would. Furthermore, I believe that they have been inundated with creditor challenges/requests for consumer credit agreements and that, maybe, the now fragmented Egg organisation is none too quick in supplying the necessary documentation to them.