APEX Credit Management

[fkofilee]

Hi Guys,

 

Apex Credit Management... What do we know and what are they like?

[dx100uk]

just like any other dca

 

out to spoof you.

 

dx

[fkofilee]

AM i also right in thinking that if an account has been "passed" and they are collecting on a Creditor's behalf that they have no legal right to collect the debt.

Or rather... they do but i can request to deal with the original creditor only?

Edited July 10, 2013 by fkofilee

[dx100uk]

you can normally ignore dca's if they do not own a debt to acertain degree.

 

check your cra file

 

dx

[BRIGADIER2JCS]

No if the original creditor has assigned a DCA to collect/and/or managed the account they can insist you deal with the DCA, you can always attempt to persuade the creditor to deal with you directly but there is no obligation for them to so.

The creditor has authorised the DCA to act on their behalf, so have the right to collect the debt.

 

If the account has been sold you will have to deal with the new owner.

[fkofilee]

Long story behind it

 

RBS have an account overdrawn for a little while and ive been actively monitoring it

 

They passed it to APEX and i kicked off at them this morning and they knew they were in the wrong

 

I made a pretty convincing argument to them to which they had no response and have called the debt back

and ill settle for £250 in full by the end of this month instead of £330 from RBS.

(No APEX Arent getting a penny)

 

So im pretty happy but once again, balls to the wall.... Deal with any company in writing,

[fkofilee]

No if the original creditor has assigned a DCA to collect/and/or managed the account they can insist you deal with the DCA, you can always attempt to persuade the creditor to deal with you directly but there is no obligation for them to so.

The creditor has authorised the DCA to act on their behalf, so have the right to collect the debt.

 

If the account has been sold you will have to deal with the new owner.

 

This is the thing, it hadnt been "Sold" (In the words of RBS today)

They had just been assigned to collect om their behalf and they don't physically own the account.

[BRIGADIER2JCS]

If the bank insists that you deal with the DCA that is assigned lawfully to collect the debt then that is what you will need to do.