Support for you
At Apex Credit Management we pride ourselves on the quality of our people and will try to assist you in resolving your financial difficulties.
When you have an outstanding balance with Apex you will have many options available to you;
- Clear the account in full
- Set up a Personal Payment Plan and pay monthly
- Make a one off payment
For even more options, or for questions about your account please call us.
We do, on some occasions, refer our accounts to third parties and our legal partners. The best way to avoid this is to contact us.
Credit Reference Agencies
There are three main Credit Reference Agencies in the UK – Experian, Equifax and CallCredit. The Credit Reference Agencies record details of credit accounts and the repayments people make towards them. Most people who have borrowed money from a lender will have information held by the Credit Reference Agencies – this is called your credit file.
Benefits of making payments
Where payments are made to an account they are reflected each month to the Credit Reference Agencies and all payments are shown by reducing the outstanding balance.
Where the full balance is paid the account is shown as “satisfied” with a nil outstanding balance.
If an agreed reduced amount or discount amount is received to clear the balance, the outstanding balance is shown as “nil” and marked partially settled (“P”) which indicates the account was cleared for a reduced balance.
Consequences of not making payments
All lenders from mortgage companies to mobile phone providers will use the Credit Reference Agencies and this information will be available to them to make decisions about whether to lend money to someone. They can see where no payments are being received and this is likely to have an impact on their assessment.
Free Financial Help
There are organisations that can offer you free financial advice or guidance; some of them are listed below.
- StepChange Debt Charity - can work closely with you and will give you advice on your debt situation. You can phone them on: 0800 138 1111.
- The Money Advice Service - Free and impartial money advice, set up by the government.
- National Debtline - Gives options to people with debt.
- Citizens Advice Bureau - Individual branches can help you with legal, financial and other problems.
If you appoint a debt management company all you need to do is give us your new reference number with them.
What our customers say
"Very helpful staff. Knowledgeable, informative and most importantly not pushy."
“I have found Apex to be very helpful over the last few years helping me pay my debts without pressure.”
“I found this a much better experience than I expected. The whole process of being unable to pay off debt is overwhelmingly stressful and the advisors treated me in a very understanding way.”
“I became a client of Apex credit management through an unwelcome turn of events, but they have been understanding and professional at all times.”
“Helpful, kind and compassionate people who really listened to me thanks to them I have now paid my debt off I have with them.”
“Brilliant team...understanding and reliable, taking ownership of the customer’s best interest...”
“Apex staff were very helpful in finding a solution to help me in a time of a financial headache and all credit to them as a team, without their guidance I could have been in more trouble.”
“Apex have always been helpful in finding a solution to my financial difficulties and have always tried their best to help me through a difficult period.”
“All companies of their nature should be like them.”
“A very helpful company, and very understanding.”
When things go wrong
We know we don't always get things right. Sometimes our customers’ feel that we haven't treated them fairly, or they have a problem which we haven't dealt with as well as we could have. No matter what the issue we want to hear from our customers so that we can look into their concerns and try and make it right.
We are dedicated to bringing our customers the best experience we can. We take on board all the feedback we receive and we try to fix issues that are identified. We have implemented many new practices from the feedback we've been given by our customers, and we're still ready to learn and develop. From listening to our customers we have improved our communications, offerings and products to suit our customers better.
If you need to make a complaint please contact us;
- By telephone - 0345 849 8966 from 08.00 - 17.00 (Monday to Friday)
- By letter - Complaints Manager, Apex Credit Management Limited, Buckingham Road, Brackley, Northamptonshire, NN13 7DN
- By email - firstname.lastname@example.org
The Financial Conduct Authority publishes collective complaints data covering all firms.
The Financial Ombudsman Service publishes separate complaints data on the number of complaints referred to it by individual firms.
See the complaint information for Apex and Cabot Credit Management (CCM) below.