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      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
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      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
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Apex - what do they mean by this?


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I've had one of Apex's letters which, inter alia, contains the paragraph -

 

"We profile our clients' accounts carefully using external data sources and believe that you have the ability to make payments on this debt. Please contact us immediately ...."

 

Does anyone have any idea if this is true? My view is that it isn't.

If perchance it is true what external 'data source' might they be using?

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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They mean they have searched your credit files,Experian, Equifax and Call Credit.

You need to check your credit files asap.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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They may have aquired accounts from creditors and you would

have signed these agreements which state that they may share

your data with CRAs, Sell or assign the account to a third party.

When a debt is sold or assigned it is with all the rights of the original

agreement giving them the authority to search your files.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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"We profile our clients' accounts carefully using external data sources and believe that you have the ability to make payments on this debt. Please contact us immediately ...."

 

Yes of course they do :lol: (Not!)

 

It is just a psychological wording to make you think "Jeeez, I better get on the phone to these guys...they know what they're on about"

 

On no account should you phone them.

 

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It is in essence psychological BS, purely designed to threaten and intimidate the average debtor into believing that the DCA's somehow have a crystal ball and know exactly what your doing and how much money you have.

This could not be further from the truth.

 

They have no more information about you or any debtors than I could find out, there is no magic database that they have exclusive access to, they are all phish and wind.

 

The truth of the matter is, that as a CAGger, we all know alot more info about them than they erver will about any of us.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I've had one of Apex's letters which, inter alia, contains the paragraph -

 

"We profile our clients' accounts carefully using external data sources and believe that you have the ability to make payments on this debt. Please contact us immediately ...."

 

Does anyone have any idea if this is true? My view is that it isn't.

If perchance it is true what external 'data source' might they be using?

 

 

Apex sent me a very similar letter two years ago. I suggested they re-assess/re-evaluate their very careful profiling procedures as they very obviously seriously flawed, denied that I had the ability to make any payments and declined to accept their very kind offer of discussing my alleged account with one of their trained debt advisors!

 

They just play mind-games. Don't ever be tempted to phone them - they're evil.

 

They obviously didn't pay me any heed and still keep churning out the same old, same old computer generated dross!

 

 

 

Impecunious! :-)

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Thanks for all the responses.

 

I know Apex of old and had already come to the conclusion that others have - they are 'exaggerating', however the paragraph in my first post is new and I wondered if others had seen it. I would contend that their profiling methods are flawed (as someone above has already suggested) as I don't have a brass razoo.

 

I have no plans to call them as my accent when talking to DCAs is very difficult to understand and I'm very hard of hearing (although my Truecall could do with some use). Perhaps I'll write and ask them.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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  • 2 weeks later...

Apex have done searches on my credit file in the last week. The reason says outstanding debt I've never heard of them and have had no letters from them. Can anyone just search your file without your prior knowledge? Fair enough if they had been assigned a debt or I had notification that they would be dealing with me but I've had nothing!

Lloyds TSB claim £1896.27

Need to send DPA to Barclaycard and Barclays Bank

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