Thanks Scott. I've just been going through my mortgage paper work and feel such a fool. I've found that I do have PPI, IPI and Life Insurance. I was certainly taken for a ride. I'm now going to look into canceling them all as I've never been one for insurance unless required by law. It was my first mortgage experience and all the paperwork and numbers just took over and I just signed whatever in order to simply get into our new house. :-/ Arghhh! Now I need to try to cancel all these, but I do have that PPI document here. Luckily, or not, they're all through Aviva, so I only have one firm to call, but I have no idea about how, or whether I can cancel these things. For instance, can I cancel payments to the PPI and then claim back? I don't know, I guess I have a lot of research to do over the next week, or two. Thanks, Nige

When I took out my first ever mortgage in 2007, I was told that I needed to take out insurance in the form of income protection. This was a policy from Aviva. They call it, "income protection" rather than "payment protection". It quacks like PPI and walks like PPI, but is it PPI? I suspect it is, but in a different name and means that I can't claim it back. I still feel that I don't really need it, but am unsure whether it is a requirement of my mortgage, so am not sure if I can cancel it. The policy is due for renewal (£30.00 per/month) at the end of May, but I'm not sure if I can cancel it, or if that will run foul of any mortgage requirement. As I said, this was/is my first mortgage and I'm completely confused by whether this is actually required, or not. Does anybody have any pointers to material that can help me decide what I can, or should do here, or any advice on where to start. I need to decide and write to them to cancel (if I can) by 26th May. Nige

The registered delivery info says that they received this letter on 28th September. It is nearly a month gone by with no communication from Apex. Is there a time limit within which they need to reply to this with proof of debt? Nige

Hi, I received a letter from Apex Credit Management today saying that I have a £710.26 debt on a Barclaycard credit card that I never used. We moved house in 2007 and informed all credit card companies of the move. I suspect (but don't know for sure) that Barclaycard sent a new card and most likely the pin number too, to the old address after the unused one expired. We've never seen any notifications of debts and as far as I know this debt has never shown up on any credit checks since. We thought that they just weren't sending a new card because we'd never used it. It only had a credit limit of £400 on it in the first place. The letter that Apex sent gives an account number that looks like a credit card number, but differs from the card that we last had. That old card is now cut up and long gone, but we have an old letter from Barclaycard that states the last four digits of our old card and they are different from the account number in the Apex letter. We never had any debt, or even spending on this card, so I know that there is nothing owed by us. Does anybody have any advice about what I do now. I haven't heard good things about this Apex company on these boards. Cheers, Nige