Complaints Against Apex Credit Management

 

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What To Do If You Get A Nasty Letter or Phone Call From:

Apex Credit Management

 

 

Apex Credit Management is a debt purchasing company/collecting company listed in the website of

 

 

 

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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