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Scottish Trust Deed Forum
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Topic starter
07/04/2014 3:12 pm
anyone from apex on this forum? haven't paid my td for months now
as I didn't know what was happening,got a letter in jan with a david binnie as my contact,emailed him a few times no reply.including today.
want to come out of my td and go to another company or go bankrupt?
don't know what to do? can anyone help me? was considering a debt plan
with step change(CCCS)as all monies go to creditors.
bankies till i die!
07/04/2014 3:46 pm
Hi bankiedonnie.
There are quite a few Apex clients on the forum. There was some disruption when cases transferred to them last year, but people have written more recently that they've been catching up and that things have returned to normal. We've visited them earlier this year and that was obviously the case.
Payments to insolvency practitioners are subject to many safeguards, even when there is a business transfer as has happened here. I appreciate that you may not have been aware of this, but it would have been safe to continue making the payments.
I suggest calling them to (hopefully) take things forward with your existing trust deed and resolve any issues connected to your non-payment. While you remain in it (not discharged) you are still subject to the agreed terms, so bankruptcy would not be possible and you should not start a debt management plan.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
