Hello CIF.

If it were me I'd call them tomorrow for an update.

I'm afraid I don't know if the person you mention is still there.

Hello again.
My TD was with RSM Tenon so with only five payments to go I dedided to send an email to the person who was dealing with my TD (at RSM). I have been reading all the posts regarding the change over to Apex and felt a bit worried that I hadn't heard from them either. No problem! Stacey replied straight away and confirmed that she is still dealing with my TD, even though they are now Apex.

That's good to hear herewego.

Hopefully everything at Apex is starting to settle down after all of the changes there.

That's good to hear and may be a little reassuring for other people who have a Trust Deed which is now with Apex.

You will be happy that you've only 5 payments to go. You'll soon be discharged.

How have you found the whole Trust Deed process herewego?

There will always be a settling period for these things, however I'm sure the administration of the Trust Deed has carried on as normal.

In Trust Deeds themselves, the majority of work is at the start and the end, the middle bit with the exception of the annual creditors reports is mainly dealing with ingathering the contributions to the Trust account. If this is continuing as normal, then I don't think there will be too many problems with the ongoing administration.

Mark

Hi All,

David, I have found the TD process not as bad as I thought it would be. I have had no problems at all and the few queries that I had were all answered promptly. I can't believe how fast the last 31 months have gone. Honestly, it just flies in! I'm not saying it has been easy but you learn to budget. You also learn to find the bargains! I definitely think twice before purchasing anything. Looking forward to treating the kids again....and saving![:)]

I have called but told that someone would call back and I've heard nothing. Don't have an up to date email address for anyone now either.

I emailed Nicola Boyd tonight and the email hasn't bounced back so hopefully it has been received by someone. Struggling to get time during the day to call.

Will report back once I hear.

Hello. Clients of Apex may be interested to read the following description of the recent events at RSM Tenon, Baker Tilly and Apex. It has been provided to us today by one of the Partners at Apex:

"ÔÇó Baker Tilly (BT) acquired the entire business of RSM Tenon (RSMT) in September 2013;
ÔÇó The 2 Insolvency Practitioners (IPs) with RSMT in Scotland left the business on 27 September along with a number of the senior staff;
ÔÇó As all insolvency appointments are personal to the insolvency practitioner, arrangements were put in place by the IPs to ensure ongoing administration of all our cases continued. This was carried out via Apex. All funds in the various Trust Deed estates remained in nominated accounts for each case and continued to be under the control of the IPs;
ÔÇó Negotiations to acquire the business progressed through October and into November with a sale from BT to Apex of the Trust Deed business concluding on 15 November;
ÔÇó Regrettably, the transfer of electronic data from BT to Apex took longer than was originally anticipated with the transfer completed last week. As a result of this it has been difficult to communicate with debtors;
ÔÇó Additionally, we carried out a restructuring of the business which resulted in the closure of the Glasgow Office. Further staff have now been recruited into the other offices, but the majority of the staff remain as before;
ÔÇó A letter is going to be issued to all debtors in the next few days advising them of the position as above and also who their case manager is. As noted above, in many cases this will be same person as before."

Hey all,

Right... I must be a bit out of date.

I was also with RMS in Glasgow set up via Kevin and his team. I spoke to Keven before xmas and he advised who my new administrator was at that point as my previous administrator had left the business. I emailed them but recived no comunication back. With it being xmas etc I was not focused on it and have let it slide. I had nothign urgent to discuss. I just wanted to inform them of some new expendatures for us (child care costs etc) which is putting some presure on the PTD but still managable for the time being and to forward on my wage slips which I have always done on a monthly basis.

Today , upon review of the site in the first time for a while, I am sure you can imagin my shock to find out from this post Kevin has also left (I have got that right)..?

While I appreciate that my PTD is secure and as I am only 1 year into my PTD I dont have to worry about a discharge cert being sent etc, I am very worried about the change of company managing the PTD for me. I chose RMS based on their excelent communication, clear preactice of managing PTD's and recommendations from others. I did not choose APEX yet I find I now have to deal with them. To be honest I would feel far more comfortable working with the likes of Mark or David and their teams simply becuase I know about his organisation and practices fromt his site.

So far Apex has failed to communicate with me at any level and I have no idea what to expect from them moving forward which has me deepy concerned.

It's not a great place to be...

Hi colski.

I can appreciate that this kind of change will not be welcome when you've made a considered choice about who to use.

The message I posted up from the Partner at Apex confirms that the senior and case management teams at Apex remain composed of staff that were largely formerly working with RSM Tenon. Because of that it seems unlikely that the way your case will be managed will change much.

The lack of communication received thus far has understandably been a source of concern for several posters here. Again the Apex Partner has confirmed in the above message that communication regarding the changes, your case manager details etc should be sent out to you within days. They also explain what has led to a delay in this happening.

I can fully understand the worry. Hopefully over the coming days and weeks the team at Apex will be able to reassure you that your case will continue to be well managed and that you can continue to expect a good level of service from them.

Thanks for that TDA...

For me the disappointment is loosing the relationship and trust I had built up with Kevin and the Administrator managing my case.

It will be interesting to see how APEX deal with things like early discharge and PPI checks. RMS had confirmed that towards the end of our PTD;s we could seek to pay these off early via a third party etc and when we reached the final balance / repayment point we would be discharged while they would remain in place checking for PPI.

Fingers crossed they manage it the same way.

Col

I think it's always difficult when you've dealt with one person throughout a period of time as it's always good when you can pick up the phone and at least the person knows your details and the history of the file. For us, it's myself and Maria in the office who are always first points of contact in all cases, hence the reason we don't get the same holidays ( although I tell her it's like the Royal Family thing where they don't all travel together!)

It's just unfortunate that things are outwith people's control and can change at some point down the line. As you say, as long as it continues to be run in the manner it was agreed, then it should be fine.

Mark

Hi colski,

Thanks for the vote of confidence with regards to handling your case.

It's been a really difficult period for everyone involved with regards to the goings on at RSM then Baker Tilly and finally Apex. Hopefully now it's all started to settle down and things should return to normal with Apex now able to send out a letter to all of their clients advising of the changes.

Your Trust Deed should run as you had agreed with RSM with regards to the early discharge and PPI checks. A lot of what I have learned over the years has been taught to me by our Insolvency Practitioners Gordon Chalmers and Donald McKinnon. The decisions that we make and how we decide to run a case really comes from both of them. Even although your relationship manager may have changed, the aspects of your case shouldn't have and also the way that it will be run i.e. the decision making.

In the unlikely event that I were to leave Wylie Bisset my clients cases would continue as normal just with a different administrator. Relationships and trust are important I think as really the client who signs a Trust Deed is choosing to proceed with the advisor more than anything and it's them they are putting their trust in.

I'm sure things will be fine going forward now that Apex are up and running but I can understand why it's been a worrying time for everyone involved.

Received a letter from Apex today exactly the same as TDA had previously posted. At least I now know the name and contact details of my new case manager. I was with the Glasgow office but now Apex has closed this office my case is now under the control of their Inverness office. Here's hoping the last 8 months of my TD are hassle free with Apex and they don't go changing things.