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Apex Credit Management - is this enforceable?


debtchallenger
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Hi there, I have had an ongoing dispute with Cabot financial about a debt which we asked them to prove. To cut a long story short, they sent an unsigned copy of some Barclaycard terms and conditions and some printed statements which bore no resemblance to Barclaycard, they did not even have Barclaycard printed anywhere on them. They were what looked like statements of interest payments. I responded, saying that I did not think that this constituted proof of the debt (which we originally asked for in July 2009), pointing out that the documents that they sent bore no reference to me. I said that I would not be making any payments unit they could prove the debt. They responded (to the wrong address) saying that it did constitute proof of the debt, and that a "true copy" of the docs does not mean an exact copy (?) They refer to Regulation 3 of the Regulations. I am not certain what they mean here. Because this letter was sent to the wrong address, I ignored it. A company called Apex Credit Management have now written (to the right address) asking for payment.

 

What should I do next? Any advice gratefully received!

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Hi i had a ongoing thing with cabot too end the end they left me well alone with the help of CAG, funny that i too recived a letter from APEX the best thing to do is ......... NOTHING ... Looks like they have brought a load of cabot accounts and are chancing there arm !!!! my cabot/citifinancial account is well SB so the muppets have now been reported to OFT :) Its up too you but i would do nothing GH

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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I just found this on the Apex website, "We are a specialist credit management company providing credit management and debt collection services across the UK. For debt purchase enquiries, please visit our Cabot Financial website." They are in fact one and the same thing and they purchase debts from financial institutions.

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After reading, my first thought was that you could complain about them misleading you if they inferred that Cabot and Apex were completely separate entities.

In my experience, if you complain along the lines of misleading/deceptive practices, then they tend to leave you alone - at least for a while.

Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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What liars they are. That is interesting reading gloryhunter. They definately said in the letter that Apex had been instructed by Cabot, who were their "client". I shall bear that in mind should I have cause to write to them again!

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