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Account No. 1
HBOS – MASTERCARD CREDIT CARD
Type of account:– BOS CREDIT CARD
Date commenced:- MARCH 1996
Approx balance:- £11,500
Last full payment paid:- 2009
Arrangement or not paying: – Had an arrangement with Apex Credit Management for reduced payments in Dec 2008 for approx 6 months
Status:- No Default on Experian – Never received a Default Notice or Termination Letter, I would say approx going by statements default approx March 2008.
Account owner:- Apex Credit Management – Assigned October 2008
2008
March - Got into financial difficulty due to giving up work to look after Hubby. Sent umpteen letters and phone calls to BOS to try an come to some arrangement, they wouldn’t listen (Sound familiar) – NO JOY.
October - Received Letter of Assignment from Apex and BOS – Debt Sold to Apex Credit Management.
Oct 2008/April 2009 – Paid reduce monthly installments to Apex.
2009
May – Sent CCA Request to Apex.
September – Received set of T & C’s from Apex.
October – Replied to Apex advising them CCA request in Dispute.
November – Received CCA/Application Form.
December–Sent In Dispute Letter to Apex.
December –Receivedletter fromApex put hold on account.
2010
January – Received another copy of CCA/Application for & T & C’s exact same as before.
January - Sent Account In Dispute Letter.
January –Received letter from Apex, they are satisfied they have addressed all issues Account No Longer In Dispute.
February - Received Letter from Apex to contact them.
March-Sent letter reiterating Account In Dispute.
March -Received Threat of Action Letter.
April – Received Debtors Notice threatening Legal Action.
April - Received Letter from Pinnacle Legal Recoveries on behalf of Apex keen to discuss payment, reduce settlement figure.
April -Sent letter to Pinnacle to advise them Account in Dispute.
May - Received letter from Pinnacle ‘NOTICE OF LEGAL ACTION’.
May - Received from Pinnacle ‘LETTER BEFORE ACTION’.
May - Received letter from Apex Full payment within 72 hours or else. (Ignored)
November -Received Letter from Apex Legal Action to commence, threat of Charging Order. (Ignored)
November - Received letter from Pinnacle legal action to commence.
November -Sent letter welcoming legal action.
February- Received letter from Apex ‘PROTECT YOUR CREDIT RATING’ (Too LATE)
2012
February - Sent letter advising of Hubby’s Medical circumstances.
March - Received letter from Apex they have sent for another copy of the CCA to BOS to check queries and require documentation of Hubbys medical condition.
March - Sent CCA to Niddy for checking.....And NIDDY SAYS....
April - Sent Missing Prescribed T & C to APex as advised by Niddy.
April - Received letter from APex stating all diferent section so fCCA Act and requesting I contact them to pay (But as you can see Niddy deemed UE so guess who won't be contacting them - Letter Ignored on Niddy's advice)
2013
July - Recieved letter from Apex stating they have written on numerous occaions and unfortunately I have not replied (all lies, sent letter Niddy complied to thier last letter)
July - Sent letter referring them to previous letters amd say no further correspondence will take place with Apeex until they acknowledge all points in previous letters. (They receieved letter 18/7/13)
July - Received letter dated 18/7/13 same day they received above letter from me. Again their letter satting Tried to contact us and not been able to talk to us (lies) We have responsibilty to pay outstanding balance, giving us 14 days to resolve matter.
HBOS – MASTERCARD CREDIT CARD
Type of account:– BOS CREDIT CARD
Date commenced:- MARCH 1996
Approx balance:- £11,500
Last full payment paid:- 2009
Arrangement or not paying: – Had an arrangement with Apex Credit Management for reduced payments in Dec 2008 for approx 6 months
Status:- No Default on Experian – Never received a Default Notice or Termination Letter, I would say approx going by statements default approx March 2008.
Account owner:- Apex Credit Management – Assigned October 2008
2008
March - Got into financial difficulty due to giving up work to look after Hubby. Sent umpteen letters and phone calls to BOS to try an come to some arrangement, they wouldn’t listen (Sound familiar) – NO JOY.
October - Received Letter of Assignment from Apex and BOS – Debt Sold to Apex Credit Management.
Oct 2008/April 2009 – Paid reduce monthly installments to Apex.
2009
May – Sent CCA Request to Apex.
September – Received set of T & C’s from Apex.
October – Replied to Apex advising them CCA request in Dispute.
November – Received CCA/Application Form.
December–Sent In Dispute Letter to Apex.
December –Receivedletter fromApex put hold on account.
2010
January – Received another copy of CCA/Application for & T & C’s exact same as before.
January - Sent Account In Dispute Letter.
January –Received letter from Apex, they are satisfied they have addressed all issues Account No Longer In Dispute.
February - Received Letter from Apex to contact them.
March-Sent letter reiterating Account In Dispute.
March -Received Threat of Action Letter.
April – Received Debtors Notice threatening Legal Action.
April - Received Letter from Pinnacle Legal Recoveries on behalf of Apex keen to discuss payment, reduce settlement figure.
April -Sent letter to Pinnacle to advise them Account in Dispute.
May - Received letter from Pinnacle ‘NOTICE OF LEGAL ACTION’.
May - Received from Pinnacle ‘LETTER BEFORE ACTION’.
May - Received letter from Apex Full payment within 72 hours or else. (Ignored)
November -Received Letter from Apex Legal Action to commence, threat of Charging Order. (Ignored)
November - Received letter from Pinnacle legal action to commence.
November -Sent letter welcoming legal action.
February- Received letter from Apex ‘PROTECT YOUR CREDIT RATING’ (Too LATE)
2012
February - Sent letter advising of Hubby’s Medical circumstances.
March - Received letter from Apex they have sent for another copy of the CCA to BOS to check queries and require documentation of Hubbys medical condition.
March - Sent CCA to Niddy for checking.....And NIDDY SAYS....
April - Sent Missing Prescribed T & C to APex as advised by Niddy.
April - Received letter from APex stating all diferent section so fCCA Act and requesting I contact them to pay (But as you can see Niddy deemed UE so guess who won't be contacting them - Letter Ignored on Niddy's advice)
2013
July - Recieved letter from Apex stating they have written on numerous occaions and unfortunately I have not replied (all lies, sent letter Niddy complied to thier last letter)
July - Sent letter referring them to previous letters amd say no further correspondence will take place with Apeex until they acknowledge all points in previous letters. (They receieved letter 18/7/13)
July - Received letter dated 18/7/13 same day they received above letter from me. Again their letter satting Tried to contact us and not been able to talk to us (lies) We have responsibilty to pay outstanding balance, giving us 14 days to resolve matter.
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