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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Asset Recoveries UK hassling re mortgage shortfall from 2000- ** Statute barred ** :)


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ok PriorityOne, you really dont know how much stress you are taking off me, just to know that I have some very very good advise from you in here is just overwhelming. When all things sorted you can be assured of quite a substantial donation. your all gems.

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Phoenix Recoveries (UK) Limited Sarl. It is registered in Luxembourg, where Sarl is the equivalent of 'limited'.

 

So what is a debt collection company in Luxembourg doing, using a name clearly designed to give the impression it is British? And should it not be properly registered at Companies House?

 

Phoenix has told me that its only place of business is in Luxembourg, so it need not register in the UK. However, it did give a British address to the Office of Fair Trading, which issued its debt collector's licence.

 

And it did give a British address to the Information Commissioner, which registered it for data protection purposes.

 

That address, in Cobham, Surrey, belongs to Cargill plc, which describes itself as 'an international producer and marketer of food, agricultural, financial and industrial products and services'.

 

Cargill and Phoenix are certainly connected. The OFT's contact at Phoenix is an in-house lawyer at Cargill. Perhaps Companies House should take a close look at Phoenix and see whether, since it wishes to appear British, it should be registered in Britain, too.

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Phoenix has told me that its only place of business is in Luxembourg, so it need not register in the UK. However, it did give a British address to the Office of Fair Trading, which issued its debt collector's licence.

 

And it did give a British address to the Information Commissioner, which registered it for data protection purposes.

 

That address, in Cobham, Surrey, belongs to Cargill plc, which describes itself as 'an international producer and marketer of food, agricultural, financial and industrial products and services'.

 

Cargill and Phoenix are certainly connected. The OFT's contact at Phoenix is an in-house lawyer at Cargill. Perhaps Companies House should take a close look at Phoenix and see whether, since it wishes to appear British, it should be registered in Britain, too.

 

Inland Revenue may be interested as well AC.... :cool:

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Phoenix Recoveries (UK) Limited Sarl. It is registered in Luxembourg, where Sarl is the equivalent of 'limited'.

 

So what is a debt collection company in Luxembourg doing, using a name clearly designed to give the impression it is British? And should it not be properly registered at Companies House?

 

Phoenix has told me that its only place of business is in Luxembourg, so it need not register in the UK. However, it did give a British address to the Office of Fair Trading, which issued its debt collector's licence.

 

And it did give a British address to the Information Commissioner, which registered it for data protection purposes.

 

That address, in Cobham, Surrey, belongs to Cargill plc, which describes itself as 'an international producer and marketer of food, agricultural, financial and industrial products and services'.

 

Cargill and Phoenix are certainly connected. The OFT's contact at Phoenix is an in-house lawyer at Cargill. Perhaps Companies House should take a close look at Phoenix and see whether, since it wishes to appear British, it should be registered in Britain, too.

 

CarVal Investors is a subsidiary of Cargill, CarVal is a leader in debt sale and purchase:

Carval Home

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been following this thread with much interest and posted a reply in the early days of the thread.ANGRY CAT it would appear from your reply today that you have had direct contact with Phoenix Recoveries,is this the case???Am in the same situation as Irate wife......ARUK say they represent Phoenix,I have SARd, ARUK,and have also asked them for a copy of the letter from Phoenix that authorises them to act on their behalf and a copy of the letter from Phoenix to me confirming ARUK will be acting for them.NOTHING has been received from either,companies,ARUK have tried to phone me but have told them ONLY IN WRITING.................PHOENIX purchased a debt (Mortgage Shortfall) from Mortgage Trust,Paragon Group and I feel Like ACat there is a link between the companies,but to date cant find the link.IRATE WIFE..you have received lots of really good advice,I still maintain the first thing that needs to happen is a letter from Phoenix confirming ARUK are authorised to act for them,without this ARUK cant go anywhere and remember Phoenix also need to write to you,as well,and this does not appear to happen.I have written to ICO and OFT complaining about both companies,as usual it takes Eons to get a reply,,,,,,,,,,,,,,FS

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I still maintain the first thing that needs to happen is a letter from Phoenix confirming ARUK are authorised to act for them,without this ARUK cant go anywhere and remember Phoenix also need to write to you,as well,and this does not appear to happen.I have written to ICO and OFT complaining about both companies,as usual it takes Eons to get a reply,,,,,,,,,,,,,,FS

 

Lots of things are supposed to happen.... but rarely do. Aruk are simply hoping that people know no better and will pay up on the mention of "clients" and "legal proceedings" :rolleyes:

 

Aruk are not interested in doing things properly; only in making a fast buck. Once they realise that IW is not going to cave in, they will hopefully just b*gger off..... but time will tell.

 

:-)

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CarVal Investors is a subsidiary of Cargill, CarVal is a leader in debt sale and purchase:

Carval Home

 

The address for CarVal in Luxembourg is:

 

CarVal Investors, Luxembourg

11-13, Boulevard de la Foire

5th Floor

L-1528 Luxembourg

Tel: +352 269757 1

Fax: +352 269757 97

 

The same address as Phoenix Recoveries (UK) Limited sarl.

 

You won't get much out of ARUK, they are just acting as the collector.

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The address for CarVal in Luxembourg is:

 

CarVal Investors, Luxembourg

11-13, Boulevard de la Foire

5th Floor

L-1528 Luxembourg

Tel: +352 269757 1

Fax: +352 269757 97

 

The same address as Phoenix Recoveries (UK) Limited sarl.

 

You won't get much out of ARUK, they are just acting as the collector.

 

Yep ac I think you've got it :)

 

Yes it's been securitized and all the company links are in previous posts on here.

 

The link that you're missing is CVI CVG Luxembourg S.a.r.l. who are wholly owned by CarVal and themselves wholly own Phoenix and about 100 other Lux based SVs (Securitization Vehicles)

 

It's big business - $billion big

 

For consumer debts it would seem they've got separate companies for each country - all with localised names.

 

The interesting bit is who chooses which accounts to chase and why - and they seem to use all the lowlifes in the UK to chase them ARUK & Bryan Carter et al.

 

The other interesting bit is what happens when an account goes to court and they lose - cos if it goes back to the OC then IMHO the original Assignment was not absolute.

 

Interesting times ......

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The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

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angrycat, I sent subject access request to phoenix via tracking as i couldnt send it reg or rec, I have tracked it and apparantley it couldnt be delivered for some reason, it had on tracking ref tried to deliver but couldnt, card been left with recipient. I also sent subject access request to ARUK 30th jan, got no joy only letter off them basically stating i had 7 days to comer to some arrangement or they would send someone to my house.

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got no joy only letter off them basically stating i had 7 days to comer to some arrangement or they would send someone to my house.

 

If they do attend your house (very unlikely), then ask them to leave, they have no more rights than the ice cream man and can take nothing whatsoever from you, if they do anything other than leave immediately, phone the police.

 

On the matter of arranging a repayment plan, why would you even consider doing this with a company who has flat refused to establish their ownership, or legal right to enforce the debt and who claims to represent a company who apparently aren't correctly registered in this country.

 

Don't worry about the tone of their letters, they are designed to intimidate you and panic you into acknowledging the debt, or to even make a payment.

 

Nothing has changed from the original postings, they have yet to prove anything and until they do, they should get nothing.

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angrycat, I sent subject access request to phoenix via tracking as i couldnt send it reg or rec, I have tracked it and apparantley it couldnt be delivered for some reason, it had on tracking ref tried to deliver but couldnt, card been left with recipient. I also sent subject access request to ARUK 30th jan, got no joy only letter off them basically stating i had 7 days to comer to some arrangement or they would send someone to my house.

 

Re: your ARUK SAR, 40 days have not yet passed;

you have made a request for information under the DPA;

if ARUK do not comply;

log a complaint with the ICO.

 

As far as Phoenix are concerned, send your SAR to their registered London address.

 

I think it would be wise to also SAR Mortagage Trust Limited (now Paragon).

 

As others have stated, ARUK are simply trying to frighten you into acknowledging the debt, which is something you must not do.

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As far as Phoenix are concerned, send your SAR to their registered London address.

 

Phoenix Recoveries (UK) ltd - the London Company - are NOTHING (legally) to do with Phoenix Recoveries (UK) Limited S.a.r.L.

 

Phoenix (London) are NOT registered with the ICO and do NOT hold a credit licence.

Phoenix (Lux) are/have both

 

I-W - you have done the right thing sending the SAR to the address registered with the ICO as the address of the Data Controller for the Company

If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

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