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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Apex Credit Management CCA


blondiegirl
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Originally an Egg load. Nothing on credit report. Paying them through a DMP with CCCS for 6 years. £2,6 owing. £2,7k paid off. SAR not requested yet.

 

 

 

Apex (Egg) - £2527

 

 

SAR needed, Charges /fees reclaimable??

 

 

Cabot /Apex very litigious at present.

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I will SAR them all - to the OC isn't it? I know there were lots of fees at the time of realising the bills couldn't be paid! Hopefully they can taken off perhaps. They'll be around 6 years old though. Does that matter? I thought it was 6 years to claim them back.

- BlondieGirl

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I will SAR them all - to the OC isn't it? I know there were lots of fees at the time of realising the bills couldn't be paid! Hopefully they can taken off perhaps. They'll be around 6 years old though. Does that matter? I thought it was 6 years to claim them back.

 

 

Yes always to the Data Controller of the OC use signed for post, check delivery date, the 40 days starts then.

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OK, thank you :-) How long do they have to reply to a CCA please?

12 + 2 Working Days, so discount weekends this means the time scale starts from the date the CCA is posted, get free proof of posting from the PO.

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I sent all the CCA letters 'signed for' so I will have proof that they received them.

 

 

Good work,!

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  • 2 weeks later...

Just had a reply from Apex. They said:

 

"Thank you for your letter in which you request all documentation under section 77/78 of the Consumer Credit Act 1974 ("CCA"), with regards to the above noted account.

 

We can confirm that your request is being processed and your account will be placed on hold pending its fulfillment.

 

We will write to you again with an update of our prgress or on completion of the required documentation being supplied in line with the CCA".

 

This a/c was originally a loan with Egg taken out eons ago. It's being reported as AR. Do I just wait? Keep paying? Stop paying? Assuming they don't send the required documents by mid-next week which is the timescale.

 

Thanks :-)

- BlondieGirl

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Just had a reply from Apex. They said:

 

"Thank you for your letter in which you request all documentation under section 77/78 of the Consumer Credit Act 1974 ("CCA"), with regards to the above noted account.

 

We can confirm that your request is being processed and your account will be placed on hold pending its fulfillment.

 

We will write to you again with an update of our prgress or on completion of the required documentation being supplied in line with the CCA".

 

This a/c was originally a loan with Egg taken out eons ago. It's being reported as AR. Do I just wait? Keep paying? Stop paying? Assuming they don't send the required documents by mid-next week which is the timescale.

 

Thanks :-)

 

Wait for them to comply or say no agreement can be found.

BTW for how long has this been reported as an arrangement to pay on CRA files?

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Should I wait for the 12+2 days to pass, and if no agreement is found, stop paying?

Yes.

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  • 4 weeks later...

Apex has responded. The letter states:

 

"I write further to your request for information under section 77/78.......

 

Unfortunately, Apex has not been able to provide you with the requested information within the relevant time period.

 

We shall continue to request the information to assist you with your request. In the meantime, we would like to inform you that your account shall remain on hold until such time we can comply with your request.

 

Your credit agreement is currently unenforceable, which means we are not permitted to obtain a judgement or decree against you in Court.

 

We will write to you again with an update of our progress or on completion of the required documentation being supplied in line with the CCA".

 

Is this as good as them admitting defeat and that they are unlikely to chase me for stopping payments?

 

Thanks :-)

- BlondieGirl

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The chasing may continue but it will never go near a court unless they can comply.:-)

 

Regards

 

Andy

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they wont chase you now, until or unless they can comply

 

nothing more to do, nothing to worry about atm

 

I have the same thing on behalf of a relative, and they have kept their word

 

for over 3 years now:wink:

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 6 months later...

Hi, I haven't done anything yet. I'm fighting Barclaycard and MBNA about getting AP/AR markers removed from the credit file first. Barclaycard have agreed, just battling with MBNA. Once I've had a final over that, then I'll be reducing my payments right down. From what I've read on here, these DCA will just issue threats but do nothing about it.

- BlondieGirl

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I am having problems with Apex ,well I assume it is Apex. My mother has Alzheimer's disease and is in a care home . I sorted all her credit cards out some were written off and some accepted a small payment to close the accounts as she did not have much money. I am now getting letters addressed to her sent to my home address (she has never lived here) I keep returning them unopened but still they keep arriving once a week . Where do I stand with this as I am getting fed up of the harassment ? I feel like writing to them and giving them the address of her care home. I mean she does not recognise any of her children now so they have no chance of getting any sense from her regarding finances !! The problem is if I write then they will start pestering me then !

The letters are sent from Mailing Services Cardrew Way a google search brings up Apex . I have not opened any letters as they state that they are private and confidential and only to Addressee only.

Edited by redwon
Missed something
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I am having problems with Apex ,well I assume it is Apex. My mother has Alzheimer's disease and is in a care home . I sorted all her credit cards out some were written off and some accepted a small payment to close the accounts as she did not have much money. I am now getting letters addressed to her sent to my home address (she has never lived here) I keep returning them unopened but still they keep arriving once a week . Where do I stand with this as I am getting fed up of the harassment ? I feel like writing to them and giving them the address of her care home. I mean she does not recognise any of her children now so they have no chance of getting any sense from her regarding finances !! The problem is if I write then they will start pestering me then !

The letters are sent from Mailing Services Cardrew Way a google search brings up Apex . I have not opened any letters as they state that they are private and confidential and only to Addressee only.

 

 

please start a new threadlink3.gif

 

 

of your own.

 

 

might be an idea to pop some sentences and blank lines in too

 

 

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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