apex not accepting offer

gleeb

fermi wrote: »

When did you first take the card out?

To be honest i can't remember, must be from around 2002.
I got into difficulties with it mid 2005 and defaulted not long after.

fermi

gleeb wrote: »

To be honest i can't remember, must be from around 2002

Worth making the request to Apex then.

I would point out with the letter posted above, that you are not entitled to a copy of the deed of assigned under the CCA (or any other act for that matter), so would be advisable to leave that out or use the template in this link.

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=39_getting_information_about_your_credit_agreement

gleeb

fermi wrote: »

Worth making the request to Apex then.

I would point out with the letter posted above, that you are not entitled to a copy of the deed of assigned under the CCA (or any other act for that matter), so would be advisable to leave that out or use the template in this link.

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=39_getting_information_about_your_credit_agreement

Thanks i used the one you linked.

Focus05

fermi wrote: »

CCA = Consumer Credit Agreement

Ok I see so if they can not provide a CCA have they no right to the debt?

gleeb

Focus05 wrote: »

Ok I see so if they can not provide a CCA have they no right to the debt?

From what i gather if they can't provide a cca



the creditor cannot:

• make you pay off your debt before you’re supposed to;
• get a court judgment against you; or
• take back anything you've hired or bought on credit, or take anything you used as security (like your house) when you took out the agreement.

However, they can still:

• ask you to pay what you owe;
• send you a letter called a ‘default notice’ if you miss any payments;
• pass your information on to a credit reference agency (which might affect your credit record);
• pass your information on to a debt collector;
• sell your debt to someone else; or
• take your case to court, although they won't be able to get a court judgment against you unless they give you the information you’re entitled to.

fermi

Focus05 wrote: »

Ok I see so if they can not provide a CCA have they no right to the debt?

See above.

Basically it may put them in a position where they are much more willing to do a good deal.