Some advice needed please

[dx100uk]

an sar would be of benefit for the statements to calc the true PPI. cost

 

 

dx

[maxandsasha]

Hi

 

 

Got a reply back today from one of the DCA,s that i CCA,D. It was from ApexCredit Management.

 

It states it the letter that they are not the data holding branch and are therefore not obliged to supply the data that i requested, and i should request this info from Barclay card directly.They have returned my postal order with the address i should write to !!

 

Is this what they can do or are they just chancing it ?

 

 

thanks

 

Max

[Desperate Daniella]

As they are demanding money they should provide proof of the alleged debt.

 

However, they all do this and no action is ever taken against them.

 

Send it to Barclaycard and see what they send. In the meantime don't pay anything to Apex.

 

DD

[Desperate Daniella]

This is the one where they were already offering 40% off so they may know there is no agreement or that it isn't enforceable.

[maxandsasha]

Hi DD

 

 

I will send it off to Barclaycard and see what they return, you are correct they offered 40% off as full and final. I know i have PPI on this card and i am in the process off reclaiming it....

 

Will i write to them stating as they dont have the proper agreement i dont reconise the debt therfore i am ceasing all payments to them. Will i continue the payments direct to Barclaycard in the mean time

 

I am unsure what is best to do.

 

 

Thanks

 

Max

[dx100uk]

if apex OWN the debt on your CRA file

 

then they ARE the target for the CCA request.

 

dx

[Desperate Daniella]

Sorry, I thought it was the Apex one which is still with the bank and it's the Wescot one.

 

Yes, if they own it they are obliged to provide the agreement so write back and tell them that. We haven't finally confirmed that they do, have we?

[maxandsasha]

Hi DX

 

New thread started for cl finance debt

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?415656-Cl-finance-amp-old-Storecard-debt

 

 

Max

[thebaneofbanks]

this sounds to me as if B&E put you on a 20year DMP. I would be querying if this was actually best advice.

[dx100uk]

thread is more than a year old

 

 

closed