Deal With Apex Credit Management Debt Collectors Easily With DoNotPay
Have Apex Credit Management debt collectors contacted you, wanting to collect a debt you owe? Are you worried because you doubt whether you will be able to settle it? Are you not aware of the debt and suspect that it may belong to someone else? Is the company threatening to seek legal action if you don't settle the debt?
If you have these or any other concerns regarding , read this article to find assistance. We will cover how you can deal with them and how DoNotPay can be pivotal in doing so.
What Is Apex Credit Management?
If you have outstanding debt, perhaps you have heard of debt collectors. If you have no idea, there is a likelihood that you will come to hear from them soon when they come chasing the money you owe. In a nutshell, debt collectors are agencies which collect debts on behalf of other creditors.
Apex Credit Management is among the biggest debt collectors in the UK and is registered with the Financial Conduct Authority (FCA) to collect debts in Wales, England, Northern Ireland, and Scotland. The company usually collects debt on behalf of creditors like banks or credit card issuers, who have exhausted all means of making you pay the debt. Apex Credit Management buys the debt from these creditors and aims to gain a profit by making you settle the outstanding balance.
Even though the FCA has stated guidelines that debt collectors should follow when collecting debts, sometimes may not be keen on them. They may employ drastic tactics such as using technical jargon to threaten you to pay, telling you that they will repossess your vehicle or even threatening to prosecute you. However, should this happen, it is important to remain calm and collected as failing to settle debts when you are unable is not a criminal offence.
Apex Credit Management Debt Collectors Contact Information
Here are the numbers they use to call you:
If you need to get in touch with Apex Credit Management, you can contact them through the following:
|Address||Apex House, 27 Arden Street,
Stratford-upon-Avon, Warwickshire, CV37 6NW
|Phone Numbers||0345 849 8889 or 02476 757 299|
How to Deal With Apex Credit Management Debt Collectors on Your Own
As discussed earlier, Apex Credit Management Debt Collectors usually make profits by reclaiming debts they purchased from creditors. Therefore, they will try their very best to coerce you into paying the money you owe. From calling you frequently to demand payments to even going as far as visiting you at your home—you may feel frustrated and even harassed.
But it is important to note that you are not required to settle the debt right away. In fact, you should do the following before making any payments:
- Ensure you are the debt owner - Nowadays, scammers are everywhere, and it is important to be cautious when someone calls you saying that they are an agent of Apex Credit Management Debt Collectors.
- Ask for a debt validation letter - You shouldn't make any payments before receiving a debt validation letter, which shows proof that you are actually owed the debt. If you have not received the letter, you should request for one. Otherwise, Apex Credit Management is not legally allowed to demand payment.
- Confirm if the debt is statute-barred - In the UK, debts become statute-barred after a period of 6 years. You should confirm if your debt is older than 6 years, in which case it is considered as written off by the law. It is advisable to wait until your debt is written off if it is close to being statute-barred.
- Check whether the debt belongs to another person - Some letters from debt collectors may be sent to the wrong addresses especially if the occupant of the house has moved out. Should this happen to you, you should call Apex Credit Management debt collectors and make them aware.
Get Assistance From DoNotPay
DoNotPay understands the pressure such debt collectors may put on you, and that's why we are dedicated to helping you. We will assist you to choose the best course of action to take when Apex Credit Management contacts you. Moreover, we will file a complaint for you to the FCA if you feel the company is harassing you.
Here's how to get started:
- Search "debt collection" on DoNotPay.
- Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.
- Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.
And that's it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We'll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the relevant trade association or ombudsman.
What Else Can DoNotPay do?
DoNotPay can help you deal with other creditors and debt collectors, such as:
- Amigo Loans
- Provident Loans
- Moorcroft Debt Recovery
- Lowell Financial
- Advantis Debt Collection
- Marston Group Holdings
- Department for Work and Pensions (DWP) Debt Management
DoNotPay can also help you:
You shouldn't worry when Apex Credit Management Debt collectors demand payment. Simply contact us today, and we will help you deal with the company.