DPC
Registry is licenced by the Office of Fair Trading. Licence No.
633327 and are signatories
of the Data Protection Act. Reg. No. Z1620707
Name: Apex
Credit Management
Also Known As: May have previously been (or associated with) BCW or
Buchanan Clarke and Wells.
Address: 11 Elm Court
Stratford upon Avon, Warwickshire
CV37 6PA
Also: 11 Arden Street, Stratford-upon-Avon, Warwickshire, CV37 6PA
Telephone: 01789 203775
Fax: Not Known
Email: [user]@apexcm.co.uk
Extra Data:

Apex Credit Management and
the Truth About Your Debt

Apex Credit Management
is a debt collection company that has bought the debt
from the original creditor, often a bank (or in some cases another debt
purchasing company) for around a tenth or less of the original value
of the debt and is brazenly trying to get the full value of the original
loan from you.
Apex Credit Management
will use all sorts of nasty methods to get you to set
up a standing order in order to profit from people's ignorance of the
law. You may have already experienced bad dealings with them. They may
call you on the phone at strange times and do so several times a day.
They may send you official-appearing nastily worded letters threatening
to 'send the boys round' and collect the money in full or that they
will take you to court. Their other tricks may involve attempting an
order for sale charge on your home or in some way cause you great personal
suffering.
So ask Apex Credit Management
for a copy of the original contract when you took out your loan or credit
card.
Even better, start
an unenforceable
credit agreement application here. If you want to check, in addition,
missold PPI and recover all the credit card charges you've paid over
the last 6 years (plus 8% interest) it costs an upfront fee of only
£99 for a full audit to see what you're entitled to. Click
here for more.
DPC Registry
is registered and regulated under the Data Protection Act.
Reg. No. Z1620707 and licenced by the Office of Fair Trading. Consumer
Credit Licence No. 633327.
More
Data On Apex Credit Management
My thanks to Consumer
Action Group for extracts from their forum:
Previously had AIC in Glasgow on my back. I completely
ignored them and they went away. Apex Credit Management have now taken
this over and have written saying they will start county court proceedings.
Two days later I get a letter from them saying I have "been selected"
to receive a discount on the outstanding debt of £23,000 which
would be reduced by 50%. Not sure if they expect a lump sum payment
(no chance) or installments. Is this a catch to try and trick me into
something? They have just called but I ignored them.
CAG Response: Probaly means they have no right
to collect and are just trying it on.
Our Comments: Whatever you do, make sure they have
a right to enforce the debt before you spend the rest of your life
paying back these people, because they are just trying it on all the
time. Write them a Subject Access Request (CCA1 letter) to find out
if they have the original documentation. If they do not then the debt
is unenforceable and they may not ask you for it ever again once this
is in dispute.
Further Comments:
Apex Credit Management are notorious for doing things en-masse
in a very automated way. Therefore if they get things wrong once they
will get the same thing wrong dozens or hundreds of times. This is
the 'style' of Apex Credit Management and this is what makes them
distinctive from other DCAs: their ability to replicate error consistently,
repeatedly, and over a long period of time.
Apex Credit Management
either are in partnership with BCW Group (Buchanan Clark and Wells)
or were actually BCW Group, or liberally share their data. Trading
Standards deny this, interestingly, but nevertheless I have proof
that these two companies are the same people or are at least very
closely aligned: they also shared the same database of target victims,
even to the extent that misspellings and variants of names were the
same on letters sent from both companies. Always a dead giveaway,
like a plagiarised essay having the same typos and mistaken sources
as the original.
Another hallmark
of Apex Credit Management is that, despite being in breach of a Subject
Access Request (and subsequent reminders, the CCA2 and CCA3 to the
initiated) they still keep writing to you asking for money (which
is illegal while the account is in dispute). I believe they genuinely
don't know what they are doing, at the administrative level. They
will write a begging letter every two or three days,
even though they have been told not to; they will persist in this
for weeks or months until told to stop by Trading Standards.
If
you have any information that you would like honest people to know
about Apex Credit Management then send us an email in complete confidence and
we will try to corroborate it with the clowns involved.

This
Apex Credit Management website is part of DPC Registry website group.
All rights reserved. Complaints Against Apex Credit Management.
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