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~~Please note that I have posted this as a reply to my previous post "Table 1 Searches" too. I'm only reposting this now after reading the Cabot sticky.~~
I have just received a reply from Apex regarding their search on me, mentioned in my previous post. It relates to the default I mentioned above and not for (what I hoped was) a SB debt.. I'm not saying that I'm not responsible for the debts, but as 2 of them were for relatively small amounts that had no payments made by me at all, I can't for the life of me think what they may have been for.
The debt that Apex have just contacted me about is indeed one of the defaults. This one shows that I made no payments at all for this debt. It shows a start balance of £0 on 2/11/07, a default/delinquent balance of £421 and a current balance of £481. I defaulted in June 08. I just can't think what this debt can be. I haven't had a credit card since before 2006, and i've not had a current bank account since before 2004, so it can't be for an overdraft. I've held my basic bank account for 10 years, with nothing being owed to them. They (Apex) say they usually work for banks etc, but I suppose it could be for anything. This is what they have just sent to me...
Dear,
Thank you for your recent query regarding a search carried out by Apex on the above account.
Apex Credit Management works on behalf of a number of high street banks and creditors for the purpose of debt collectionand trace. At times we will use the Credit Reference Agencies to determine a consumer’s address status; often upon a client's requests or after unsuccessful contact attempts. This account was passed to Apex to trace on behalf of an account which was passed to us to trace and collect on behaldf of our client Cabot Financial.
Outstanding Debt searches (TR) displayed in Table 1 of a consumer's Personal Solutions Credit Report will have been performed as part of a debtor tracing procedure by the creditor or their appointed agent. These search footprints are not visible to any lender performing a credit application enquiry or to any other creditor tracing a debtor or collecting overdue debt and we will therefore not be removing this entry.
I can confirm that having liaised with Cabot Financial directly they have advised that this account is not statute barred. Confirming that this account was opened on 02/11/07, the last payment date was 05/12/07, the account subsequently defaulted on the 23/05/2008.
I would therefore request that you contact our collections department on 08458 498 902 in order to set up a suitable repayment plan and in order for us to update our records accordingly.
Should you have any further queries regarding this entry, please do not hesitate to contact me directly via email sHosell@apexcm.co.uk
Regards
Miss Selina Hosell
Compliance Advisor
That's that then I presume :tinysmile_cry_t: Should I try and pay this off asap?
Read more at: Table 1 searches. - Legal Beagles Consumer Forum
I have just received a reply from Apex regarding their search on me, mentioned in my previous post. It relates to the default I mentioned above and not for (what I hoped was) a SB debt.. I'm not saying that I'm not responsible for the debts, but as 2 of them were for relatively small amounts that had no payments made by me at all, I can't for the life of me think what they may have been for.
The debt that Apex have just contacted me about is indeed one of the defaults. This one shows that I made no payments at all for this debt. It shows a start balance of £0 on 2/11/07, a default/delinquent balance of £421 and a current balance of £481. I defaulted in June 08. I just can't think what this debt can be. I haven't had a credit card since before 2006, and i've not had a current bank account since before 2004, so it can't be for an overdraft. I've held my basic bank account for 10 years, with nothing being owed to them. They (Apex) say they usually work for banks etc, but I suppose it could be for anything. This is what they have just sent to me...
Dear,
Thank you for your recent query regarding a search carried out by Apex on the above account.
Apex Credit Management works on behalf of a number of high street banks and creditors for the purpose of debt collectionand trace. At times we will use the Credit Reference Agencies to determine a consumer’s address status; often upon a client's requests or after unsuccessful contact attempts. This account was passed to Apex to trace on behalf of an account which was passed to us to trace and collect on behaldf of our client Cabot Financial.
Outstanding Debt searches (TR) displayed in Table 1 of a consumer's Personal Solutions Credit Report will have been performed as part of a debtor tracing procedure by the creditor or their appointed agent. These search footprints are not visible to any lender performing a credit application enquiry or to any other creditor tracing a debtor or collecting overdue debt and we will therefore not be removing this entry.
I can confirm that having liaised with Cabot Financial directly they have advised that this account is not statute barred. Confirming that this account was opened on 02/11/07, the last payment date was 05/12/07, the account subsequently defaulted on the 23/05/2008.
I would therefore request that you contact our collections department on 08458 498 902 in order to set up a suitable repayment plan and in order for us to update our records accordingly.
Should you have any further queries regarding this entry, please do not hesitate to contact me directly via email sHosell@apexcm.co.uk
Regards
Miss Selina Hosell
Compliance Advisor
That's that then I presume :tinysmile_cry_t: Should I try and pay this off asap?
Read more at: Table 1 searches. - Legal Beagles Consumer Forum
