Egg passed account to Apex despite payments being made,

[maylee]

My debt with Egg (loan and credit card) has also recently been passed to Apex (even though I have been paying Egg £137 per month since 2006 to repay the debt). Apex have been constantly hassling me by phone but I am refusing to deal with them over the phone. However, I have just realised that my monthly standing orders are still being taken by Egg (even though they have confirmed by letter and phone that the account has been passed to Apex) and when I called Egg to ask about this today, they confirmed that they are still taking the money but it is being passed to Apex - is this legal - should I stop the standing orders to Egg ?- any advice much appreciated.

[victoria_siempre]

Hi maylee

 

Welcome to CAG.

 

You should start your own thread and provide more history to all this and the main debt forums get more comment than here.

 

My initial thoughts are:

 

When you say 'passed to', do Apex claim to own it? If not they're just acting as Egg's agents and Egg are responsible for anything untoward that Apex do.

 

This is all typical behaviour from Egg to confuse and frighten you into paying more; I would continue payments direct to Egg, but you are paying a lot; have they frozen charges & interest? have you requested a CCA?

 

Have a good read around this great site that keeps us all fighting yet sane. Collegaues will be along to help.

 

love

 

vic

Edited January 29, 2011 by victoria_siempre
typo

[MARTIN3030]

Thread moved here.

You need to be putting something in writing to both Egg and Apex.

Have you looked on your credit files recently to see what is recorded there in respect of this ?

If Egg are still taking payments,then I dont see any need for Apex to be making demands or giving you hassle.

Write and tell them that you consider your dealings are exclusively with Egg,and that they should be following their codes of practice.Ask them to send a copy of their complaints procedure.

 

In the case of Egg,write to them and inform them of their duties in compliance with the Lending code,and Offuice of Fair Trading guidance.

That you hold them equally responsible for any third parties they instruct which are causing you stress and are in breach of regulations.

Ask them also for a copy of their complaints procedure,and stress that you are only prepared to deal in writing.

Keep copies and send recorded.

I will give you the correct addresses to send here.

[MARTIN3030]

Egg Banking

Registered Office33, Canada Square, LONDON, E14 5LB

[MARTIN3030]

Apex Credit Management Limited

Registered Office Apex House, 27, Arden Street, STRATFORD-UPON-AVON, Warwickshire, CV37 6NW

[Bazooka Boo]

Ruddy fleecers!

Complain to the OFT&TS via http://www.consumerdirect.gov.uk/contact

And your local MP http://www.writetothem.com/

[MARTIN3030]

Yes of course you CAN complain but they will want to see evidence that you have made them aware and they have taken no notice.

This is how they continue to get away with it by dealing on the phone.

Once you put something in writing you have started the papertrail.

Yes we know Apex should not have gotten involved-but they will maintain that they were unaware of the situ (As they usually do)....once its made clear to them in writing,they cannot have much defence.