Help with Apex Credit and Wescott Credit

[dx100uk]

only bank accounts are off limits

 

dx

[Rendesi]

Following information from another site I was under the impression I could stop paying the Debt Collectors,

I came here for clarification and I was advised to Subject Access Request (SAR) Lloyds TSB which I have done.

 

The information arrived a while ago and I do not know what to look for in the 4kg package.

 

I have debts with Lloyds for a Current Account, Loan and Credit Card, these were passed over to two Debt Collectors; Wescott and Apex.

 

Some information from Wescott was included with the SAR but I do not know exactly what to look for in this.

 

According to the cover letter they are awaiting information from Apex still (shall be chasing this up on Friday).

 

Now,

going over an earlier point.

 

I was advised to SAR Lloyds TSB, which I have done,

aside from some more PPI I can/could reclaim on the Credit Card

I don't know what I'm looking for in regards to the debt.

Something mentioning ownership was mentioned before.

 

If anyone replies, can you type in plain English, with little to no abbreviations please?

[dx100uk]

threads merged.

 

now. lets separate the three debts to lloyds please...

 

current account

loan

credit card

 

which DCA's are linked to which?

 

dx

[Rendesi]

Current Account - Wescott

Loan - Wescott

Credit Card - Apex

[dx100uk]

Current Account - Wescott

what letters have you had on this, just threats or have you had discounts offered.?

 

Loan - Wescott

what letters have you had on this, just threats or have you had discounts offered.?

 

Credit Card - Apex

you've had discount letters, you need to find the statements and look for PENALTY charges

 

on all 3 dont foget they are still owned by the OC [lloyds] so you can ignore any threats-o-grams typically

 

dx

[Rendesi]

With Wescott the only letters I have are two confirming that I agreed to pay a combined total of £10.02 a month split between the accounts.

 

Have never received any discount letters from them, and have never received any letters since the DD's were set up.

 

On the information included with the SAR, it clearly states Lloyds TSB PLC is the owning client.

 

In my mind that indicates I could quite easily cancel the Direct Debits and refuse to deal with them any longer, however is it too late? Direct Debits were setup in October 2010.

 

As for Apex, by statements I assume you mean for the Credit Card?

 

The only penalty charges that were added was several for late payment, £12.00 each totaling £96.00.

I'm still awaiting information to come in from them in regards to the SAR,

 

they do keep calling nearly everyday though, it may be related (last time, they managed to get me to increase my DD by £1.00 to £35.00,

it was the only way to get the ****** off the phone, so I refuse to answer the phone to them now.)

[dx100uk]

in post 4 you say:

Wescott says "Our client is prepared to assist you in clearing this debt by offering you the opportunity to make a reduced settlement on the outstanding balance on very favourable terms."

 

that means you have received discount letters on all accounts then?

 

something just does not sit right with all of these debts

 

no-one [esp the OC] offers a discount when they can get the whole cigar.

 

i think you need to re-investigate the PPI refunds [were they correct, how did you do it?

 

what are the balances on all three,

what evidence [say from the CRA file] have you got that the balances ARE going down?

 

you say you've never gotten anything from lloyds.

 

does the SAR stuff confirm balance are reducing too?

 

to me, all the indications are these debts have been sold long ago [hence NOT on your online banking site]

 

dx

[Rendesi]

in post 4 you say:

Wescott says "Our client is prepared to assist you in clearing this debt by offering you the opportunity to make a reduced settlement on the outstanding balance on very favourable terms."

 

that means you have received discount letters on all accounts then?

 

something just does not sit right with all of these debts

 

no-one [esp the OC] offers a discount when they can get the whole cigar.

 

i think you need to re-investigate the PPI refunds [were they correct, how did you do it?

 

what are the balances on all three,

what evidence [say from the CRA file] have you got that the balances ARE going down?

 

you say you've never gotten anything from lloyds.

 

does the SAR stuff confirm balance are reducing too?

 

to me, all the indications are these debts have been sold long ago [hence NOT on your online banking site]

 

dx

 

Looking back through everything, yes, discounts received on all three debts.

 

Opening balances on all debts were;

 

Apex - 27/10/2010 - 3608.88

 

Wescott - 28/10/2010 - 351.98

 

Wescott - 4286.52

 

Current (well, as current as I can be) balances on all debts are;

 

Apex - 13/03/2012 - 3024.88

 

Wescott - 251.60

 

Wescott - 4186.52

 

Balances confirmed as reducing.

[Rendesi]

Have just phoned up Apex, current balance now 2884.88.

 

I find it amazing how many questions they feel they can ask, what was your job, why did you lose it, what courses are you doing, I did in the end tell them it was none of their business.

[dx100uk]

Current Account - Wescott

Loan - Wescott

Credit Card - Apex

 

are you aware when you 1st took all these out

 

dx

[Rendesi]

Current Account - Wescott

Loan - Wescott

Credit Card - Apex

 

are you aware when you 1st took all these out

 

dx

 

Current Account - 2001

Loan - 2005 (originally I think, did increase it several times)

Credit Card - 2005

[dx100uk]

on the loans

i take it each was a refinance?

 

if so

i bet you never got the correct PPI back.

 

as it would need to be calculated as a rolling account reclaim.

 

 

i'm going to have to knock up a resume of these debts

as getting all the correct info/history is like pulling teeth

bit by bit by bit......

 

and its difficult to piece the story together.

 

dx

[Rendesi]

Hello all,

 

I have debts with Apex,

having recently phoned them up to check balances (see another post of mine regarding whether I should even be paying them), I explicitly told the operator that no more telephone calls would be accepted, operator then became a bitch toward the end of the call when I refused to go through a income outcome questionnaire over the phone. Silly cow was trying to get me to increase my payout once again, not this time sweetheart.

 

I keep receiving answer machine messages from Apex and was wondering if they are even legal?

 

I seem to remember that if a debt collector reveals themselves to be a DC, they are in breach? Would this be a breach?

 

"This is a message for Mr Jeremy Clarkson, I'm calling on behalf of Apex Credit Management, please call us back on PREMIUM RATE NUMBER BECAUSE WE WANT MORE OF YOUR MONEY" It's the same type of call every other day, I always delete it, but if it is a breach, will be saved. YES, someone else does have access to the phone.

 

Do wish I could go back in time and stop myself from paying Apex and Wescott any money at all, the information I have seen since makes me sick at my own stupidity and gullibility back in '09/10. Why should I pay money back to Lloyds? We'll never see the money given to them. PPI, Bailout and now Rate Rigging. Something Credit Card related will be next, 2015, you saw it here first.

[dx100uk]

threads merged

 

keep to one thread per debt

 

dx

[dx100uk]

you've had discounts on all 3 debts

 

i'd stop all payment if it were me.

 

you really need to STOP using the phone too

 

dx

[Rendesi]

That doesn't answer the question I asked in what was intentionally another thread. Time for a move me thinks, and not of the thread, again. MSE time.

Edited July 21, 2012 by Rendesi

[dx100uk]

nothing illegal about them, debt is not a criminal matter but a civil one.

 

poss unlawful, and could be deemed as harrassment if it continues - log the calls

 

you could fire off the telephone harrassent letter [green library tab]

but if they are not every xx every xx days then its not.

 

what you have got here is the typical actions of a dca that does not want to lose their cash cow.

 

they know that you know you've found the out and are trying to get every penny out of you

before you stop their free money stream

 

dx