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hi having problems with apex

 

agreed to pay 60 monthly taken by dd from my account

no december payment has been taken

should i pay it by card and cancel dd

and write to them requesting standing order details as have had a funny phone call from someone asking for me about my dyson

when i said i don't have a dyson she hang up

 

funny i haven't had a phone call from apex as payment was due 15 december

think they might be going to court any advise please

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have agreement with apex to pay 60.00 a month for RBS loan debt by DD

they have not taken decembers payment due on 15th

 

have only discovered after checking bank statement online.

 

Office closed yesterday

 

sent a contact form yesterday no reply

 

do i pay this by debit card myself and request standing order details

as i have had a funny phone call asking about my dyson

when i answered i don't have a dyson they hand up

 

think they might be starting court action any advise please i did not break my agreement they did not collect dd as agreed

any advice please

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Contact Apex tomorrow and ask why the payment has not been taken, asl check with your bank to see if they have attempted to collect.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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checked my bank online

last requested date was 15th November

was royal bank loans which had ppi on them

 

11 in total

 

have reclaimed ppi

 

but not happy as they say they have used some monies to offset charges

 

i have to sar them to get details and pay £10.

 

got back £2224.00 ppi on one loan and various other very low offers which i have not accepted.

 

i also have bank charges on account to claim back.

 

i no longer bank with RBS.

 

have used money received from ppi to pay mortgage arrears,

now up to date,

council tax arrears still ongoing

 

have made a plan to clear over two years as benefits were calculated wrongly.

 

Had to give up my job due to high blood pressure 2010

my husband works and we receive Working tax Credits and child tax credit.

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I would guess that charges hav been deducted from the amount of debt passed to Apex.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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why can bank say they have deducted charges when account has already been put to apex

 

Check your credit file to see who's name appears against the account.

 

You do need to SAR the lender so that you can the full picture as to what happened with the ppi refunds and also to ensure that you have been repaid the correct amounts.

 

It should also give you the data on any unlawful charges which you should reclaim together with any associated interest.

 

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if you had 11 loans - then that PPI figure is WAT TOO LOW.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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and WHY are you paying apex?

 

they are well know fleecers on debts that DO NOT need settling.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The debt has 1. Passed Back to the original creditor or

2. Farmed out to another DCA.

 

So really it's wait and see time.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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get on with the PPI reclaim

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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