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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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Please tell us the history of this debt.

 

What makes you think they may be going to court?

 

Check your credit file to see who's name appears next to this debt.


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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

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3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

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5. Feel Bullied by Creditors or Debt Collectors?

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6. Staying Calm About Debt

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7. Thinking of a Full & Final Settlement?

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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.


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

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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.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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and WHY are you paying apex?

 

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

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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and WHY are you paying apex?

 

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

 

dx

 

apex e mailed me they are no longer dealing with my account and have cancelled direct debit what now?

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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