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If you are sick and tired of the phonecalls, the threatening letters, or perhaps you are just struggling to maintain your regular payments, DebtBuffer can help make all this hassle STOP.

You simply need to know what your real options are & whether you can write off some, or all of your debts. It’s up to you to take charge, not the debt collectors!

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Apex Credit Management Debt Collectors

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.

Apex Credit Management Debt Collectors: who are they?

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.

Is Apex Credit Management Debt Collectors a legitimate debt collection agency?

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.

Who do Apex Credit Management Debt Collectors collect for?

They collect debts for businesses, organisations and individuals. The list below is by no means exhaustive:

  • • HMRC (unpaid tax and tax credit overpayments)
  • • NPower
  • • O2, EE and other telephone companies
  • • United Utilities and other gas & electric companies
  • • Council Tax
  • • Parking Tickets
  • • Catalogues
  • • Credit cards and payday loans
  • • Defaulted court fines

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.

Why is Apex Credit Management contacting me?

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.

Should I pay Apex Credit Management the money I owe?

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:

  1. You can agree a payment plan with Apex Credit Management which needs to be realistic and affordable, without excessive charges, interest or penalties.
  2. You may be able to write off Apex Credit Management debts. In England this involves an Individual Voluntary Arrangement (IVA) which consolidates all your unsecured debt into one affordable monthly repayment over a set term. After that term the debt is written off. In Scotland a similar scheme is a protected trust deed.
  3. Other routes include a Debt Management Plan, Debt Consolidation Loan, Minimal Asset Process, Debt Arrangement Scheme or Bankruptcy.

You should always seek impartial, professional debt advice to discuss your options in detail.

How Debt Buffer Helps

Debt Harm

We help you realise & address the harm bad debt does to your mental & physical health

Deft Letter

We help you gain extra time to arrange your finances and also handle debt collectors or bailiffs through our letter creation service.

Deft Easy

We help you understand your options based on your circumstances and the information you tell us. No BS.


Should I ignore contact from Apex Credit Management?

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:

  • • 0345 8498889
  • • https//www.apexcm.co.uk

What action can be taken by Apex Credit Management?

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:

  • • harass you
  • • call at unreasonable times
  • • call you at your place of work if you have asked them not to
  • • discuss your debt with family members or your employer
  • • take payments that you have not authorised
  • • refuse you time to consider the debt management options provided by debt advice services
  • • ask you to borrow more money to pay off this particular debt
  • • use confusing legal or technical language
  • • demand payment after a debt is legally too old to pursue: ‘statute barred’
  • • threaten legal action that they know is unlikely to happen
  • • send letters that look like court documents or falsely claim to have legal powers they don’t have

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.

Do my Apex Credit Management debts put my home at risk?

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.

Can I put a stop to Apex Credit Management contacting me?

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
Exchange Tower
E14 9SR
0300 1239 123

Credit Services Association Ltd
2 Esh Plaza
Sir Bobby Robson Way
Great Park
Newcastle Upon Tyne
NE13 9BA
0191 2170 775

Frequently Asked Questions about needing Debt Help

What is the best way of dealing with my debts?

If you are struggling with debts that are impacting you or your families quality of life then simply put, its time to put yourself first and make some clinical and calculated financial decisions. If you are being chased by collections agencies or have bailiffs banging on the front door, its a terribly stressful situation and no way to live. Our simple advice to anyone in this situation is seek the route that most easily takes away the stresses of being chased for debts and allows you to enjoy more of your income. Our priority is helping you find a solution that creates a buffer between you and your debts.

What is an IVA?

Depending on your circumstances you might be eligible to take out a Government approved scheme for reducing your monthly debt payments and writing off up to 90% of your debts at the end of the scheme. Your creditors have to agree and you must have more than £6000 of debt and enough income to be able to meet your new agreed payment. Read our guide to IVA’s for more details

Is an IVA worth it?

That’s going to depend on your individual circumstances and whether or not the various pro’s and con’s of an IVA are worth it for you. For most people who simply cannot carry on with debt that has become unmanageable, being able to reduce payments down to an agreed fixed amount that you can certainly afford, and at the end of the fixed period having the bulk of your debts written off is certainly worth it. However, careful consideration needs to be given to other solutions such as Bankruptcy, Debt Management Plans or Debt consolidation loans or mortgages. Everyone is different so you must put yourself and your needs first.

How does an IVA work?

An Individual Voluntary Arrangement, or IVA, is a formal, legally binding debt solution, which is a form of insolvency. It must be administered by a licensed Insolvency Practitioner. As an alternative to becoming Bankrupt, It allows you to potentially write-off up to 90% of your existing debts, based on what you can reasonably afford to repay. The exact amount will vary depending on your personal circumstances, and who you choose to arrange your IVA.
An IVA commits you to monthly repayments over 5 or 6 years, which are distributed among your creditors. Any debts remaining after this period will then be written off. The payments will take into account your monthly income to ensure that the IVA is realistic and affordable.


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26 years & 8 months, that’s how long it will take someone to pay off the average UK credit card debt, just on minimum payments.

If you are drowning in debt and are being forced to choose debt payments over food, clothes or rent, it’s time to take back control of your life and your money.

Put yourself first, get back in control of your finances.

Choose DebtBuffer, Choose life.

Are you ready?

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