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    • McKneff
    • By McKneff 13th Nov 12, 2:20 PM
    • 36,725 Posts
    • 47,400 Thanks
    • #2
    • 13th Nov 12, 2:20 PM
    • #2
    • 13th Nov 12, 2:20 PM
    If you owed NI contributions you would be contaced by DWP, not a debt collecting agency.

    Check that yu have read the contents correctly.

    What does the letter actually say.
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • peesemould
    • #3
    • 14th Nov 12, 11:16 AM
    • #3
    • 14th Nov 12, 11:16 AM
    You would received a letter from HMRC (Her Majesty's Revenue and Customs), not DWP.

    HMRC list Apex as an approved third party debt collector.
    If left unpaid, I imagine it would appear as a debt on your credit file.

    So, it may well be genuine. Have you at any point been self employed?

    I would call HMRC's National Insurance helpline on 0845 302 1479, with your national insurance number and ask them.
  • CAB Swansea Bay representative
    • #4
    • 15th Nov 12, 10:35 AM
    • #4
    • 15th Nov 12, 10:35 AM
    Hi prinskipper, thank you for your query regarding National Insurance debt
    I would suggest you initially check the letter that your national insurance number is correct and if so contact HMRC and ask them to explain why there is a debt outstanding when you have been paying your national insurance through PAYE system. It is unlikely that this debt would affect your credit rating unless it went to a county court judgement. You can find more information on disputing debts at
    Hope this is of assistance.
    ďOfficial CAB Representative
    I am an official representative of CAB. MSE has given permission for me to post in response to questions on the CAB Board. You can see my name on the companies with permission to post list. If you believe Iíve broken any rules please report my post to as usual"
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