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Madsy

financial statements... apex

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Hello!

Im just trying to find out a bit more about financial statements and if this company has the right to demand one.

 

Long story short, loan since 2001 with egg.

 

Missed one payment and went to debt management early 2007.

 

Regular payments and none missed after.

 

Debt assigned to apex early 2011.

Requests for FS previously ignored with no effect.

 

Recently i had cause to complain to Apex regarding the attitude of their staff.

8 wekls for a reply.

 

Reply came with pre printed statement which i duly ignored.

 

Received follow up letter today stating if i didnt fill it in my account would be "returned to collections" for them to conduct a review.

 

They say this is to meet the "obligations" placed on them by OFT.

 

Do I have to do this?

 

I have paid them monthly without fail for 2 years, the pre agreed amount i was paying egg after going into DM.

 

All help gratefully received, thank you!

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You are under NO obligation to complete this statement, you tell them what you can afford to pay.


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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Thanks very much. Should I write back and state the amount I can afford?

 

In 2 years they've never had a statement from me and nothing has happened, but the letter is written in the typical threatening manner.

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TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges & freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

dx


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

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have you all your statements?

 

got any PENALTY charges? PPI?

 

i hope you are not paying APEX

unlesss they OWN the debt?

 

how big was this loan?

 

tell us the history please.

 

if you've had it from 2001, it must have been hugh!

 

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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