Apex Credit Management is a legitimate debt collection agency. They collect debts owed to individuals, businesses and organisations. They are also an accredited member of the Credit Services Association, having passed the Accreditation Initiative.
When you owe someone money, they are your creditor. If you don’t pay the money you owe to them, they are allowed to ask for the money back and continue to ask, within reason, until it is repaid. If you do not pay, or fall behind with payments, they are entitled to contact you by letter, telephone or visit you in person at your house.
The person or business you owe money to may not contact you directly, they may pass or sell your debt onto debt collection agencies, such as Apex Credit Management Debt Collectors.
Yes, Apex Credit Management is a legitimate debt collection agency. They collect debts owed to individuals, businesses and organisations. They are also an accredited member of the Credit Services Association, having passed the Accreditation Initiative. This requires its members to operate in a fair and legal way and in compliance with their code of conduct.
They collect debts for businesses, organisations and individuals. The list below is by no means exhaustive:
Apex Credit Management collect on the behalf of your original creditor but they also buy debt ‘bundles’ which makes them the owner of your debt.
If you receive a letter from Apex Credit Management your debt has probably been passed to them to collect from your original creditor. It is important that you first confirm that the debt they are contacting you about is yours. You can use credit agency sites such as Experian to find any unpaid debts should you be unsure.
Debts, where affordable, need to be paid. If it is unaffordable, there are debt management options available to you. Before you pay Apex Credit Management, you are entitled to explore alternative options:
You should always seek impartial, professional debt advice to discuss your options in detail.
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In short, no, do not ignore them. Ignoring the situation will not make the debt go away and leaving letters unopened or not taking telephone calls could risk Apex Credit Management taking further action. You are entitled to take advice and they should allow time for you to consider your options, as per the Credit Services Association code of conduct mentioned above. Once you have decided upon the best course of action for you, it is best to inform them.
Apex Credit Management can be contacted via telephone or via their website:
Apex Credit Management can contact you regarding your debt and chase for repayments. You are permitted to request that they contact you via a particular method or at certain times, within reason, i.e.only via email. They are not permitted to:
Apex Credit Management are permitted to send debt collectors to your home if you do not make payment. They are not and cannot claim to be bailiffs. They are not entitled to enter your home or remove goods.
To issue a County Court Judgment (CCJ) against you, send bailiffs or apply for an attachment of earnings/charging order, Apex Credit Management must first take you to court.
Apex Credit Management mainly deal with unsecured debt, which means the debt is not set against an asset, such as your home. For them to secure the debt against your home, they have to first successfully obtain a CCJ against you and a Charging Order before this is possible.
Apex Credit Management may be legally obligated by the organisation for whom they are collecting to contact you. You are permitted to tell them how you would prefer to be contacted, for example only in writing or via email rather than taking telephone calls. As per the code of conduct, they should respect your preference.
If you have cause for concern about the actions of a debt collection agency, you can complain to the Financial Ombudsman and the Credit Services Association:
The Financial Ombudsman Service
0300 1239 123
Credit Services Association Ltd
2 Esh Plaza
Sir Bobby Robson Way
Newcastle Upon Tyne
0191 2170 775