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I'm quite used to dealing with debts and have had around £15000 written off this year. However read another post re Welscum this morning and it has made me think.

 

We ran into difficulties paying Welcome and were advised by them to voluntary terminate. I think (but have no paperwork at all as was burying head) they actually did a voluntary surrender as we are now being pursued by Raven Recoveries (I'm not aware of this company - I don't think they're part of Welcomes in house collections) for the balance.

 

After a myriad of phone calls over the last few weeks they've finally wrritten to me. My approach is always to ignore the first letter, then fire off a Prove It letter on receipt of a 2nd letter, then respond as necessary.

 

However, given the situation at Welcome at the moment, does anyone here have any advice on what I should do. Welcome are clearly in a mess and are not pursuing me through what I understand to be their normal channels. There has been no payment or acknowledgement for around 3 years and now this comes out of the blue.

 

What do you all think?

 

Thanks in advance!

 

Tingy

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Postggi is the best person to help you on this, look for any other Welcome thread and he'll be on there, although with the title of this thread, I'm sure he will pcik it up soon enough.

Raven Recoveries eh??

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Have no idea, but there is some talk that they might be welscum in disguise or MKRR, I think Postggi was trying to pin them down, is there a registered no. at all to check against companies house?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Raven Recoveries Company Number 04746414; CCL Licence Number 632091 based in Milton Keynes.

 

The letter refers to MKRR as their instructing clients. And the really scary bit....

 

"Failure to make contact with us within 7 days of this letter being issued (Dec 1st - 6 days ago leaving me 1 day!) will leave us no further option than to take alternative action to recover this balance."

 

I think that means if this letter doesn't scare you we'll try to think of something else!

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Goggled Compello - this is what I found based in same place as Raven Recoveries! All part of TradePro Operations Ltd

 

 

Companies House Details

 

Companies House Number: 04746414

Incorporation Date: 28 Apr 2003

Latest set of accounts: Filed on: 27 Oct 10

Made up to: 31 Dec 09

Purchase a copy of these accounts for only £4.99

Sample accounts

 

Last company return showing the directors and ownership details: Filed on: 03 Jun 10

Made up to: 19 Apr 10

Purchase a copy of this company return for only £4.99

Sample return

 

63 documents available View other documents available on this company

Financial Year End31-12

 

 

Previous Company Names

 

TRADEPRO OPERATIONS LIMITEDChanged 26 Nov 2010

CAMEL OPERATIONS LIMITEDChanged 26 Jun 2003

PINCO 1937 LIMITEDChanged 08 May 2003

 

 

People connected with the Company

 

CHRISTOPHER SALESAppointment terminated as director on 05 Feb 2010 (Document)

CRAIG ALLANAppointment terminated as director on 27 Dec 2009 (Document)

CRAIG ALLANAppointment terminated as secretary on 27 Dec 2009 (Document)

MR JAMES ROY CLARKParticulars Changed as director on 11 Oct 2009 (Document)

CRAIG MCLEOD ALLANParticulars Changed as director on 11 Oct 2009 (Document)

MR JAMES ROY CLARKParticulars Changed as director on 09 Oct 2009 (Document)

CRAIG MCLEOD ALLANParticulars Changed as director on 09 Oct 2009 (Document)

CRAIG MCLEOD ALLANParticulars Changed as secretary on 09 Oct 2009 (Document)

CRAIG MCLEOD ALLANParticulars Changed as secretary on 09 Oct 2009 (Document)

CRAIG MCLEOD ALLANParticulars Changed as secretary on 09 Oct 2009 (Document)

CRAIG MCLEOD ALLANAppointed as director and secretary on 01 Feb 2009 (Document)

 

 

Charges / mortgages against this Company

 

CENTRIC SPV 1 LIMITEDCOMPOSITE GUARANTEE AND DEBENTURE - OUTSTANDING on 13 May 2010

BARCLAYS BANK PLCAN AMENDMENT AND RESTATEMENT AGREEMENT - OUTSTANDING on 11 Dec 2007

CS CAPITAL PARTNERS II, LPCOMPOSITE GUARANTEE AND DEBENTURE - OUTSTANDING on 08 Jul 2004

BARCLAYS BANK PLCCOMPOSITE GUARANTEE AND DEBENTURE - OUTSTANDING on 19 Dec 2003

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Do you still have a copy of the agreement? Welcome's paperwork in previous years was usually flawed. Might be worth sending an SAR to see what they've got.

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Thanks Ell - would you do that before sending a Prove It letter to Raven Recoveries. It woud seem they're one and the same anyway, so surely a Prove It letter should elicit an agreement or some form of concrete proof. If not then SAR them? Good thinking or not?

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Tingy was it a HP agreement you had?

 

If so was it arranged via a broker or did you arrange it with Welcome yourself?

 

You could do a CCA request on to raven recoveries but the information that Post has is i believe that Raven and MKRR are the same.

 

Have Raven written to you as people i have spoke to recentley had only been contacted by phone.

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Tingy was it a HP agreement you had?

 

If so was it arranged via a broker or did you arrange it with Welcome yourself?

 

You could do a CCA request on to raven recoveries but the information that Post has is i believe that Raven and MKRR are the same.

 

Have Raven written to you as people i have spoke to recentley had only been contacted by phone.

 

I think you're right that Raven is a branch of MKRR or Capello Ltd -ie- Welcome. It's strange that the company number and name don't come up in a Companies Hose search though - I think they can trade legally using Capello or TradePro's CCL though? What does the C of N mean on the info I posted?

 

They have written to me this morning. I always ignore the first letter then send a Prove It as MY first letter to them. Often this letter alone stops them in their tracks. I was just tempted, like the person who posted after you, with Welcome being in such a mess to totally ignore everything (I know that's wrong) and see what happens, hence my asking my original question.

 

Thanks for your help

Tingy

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Hmm, I can see why you are asking the question Tingy. On the one hand the prove it letter may turn up something concrete and you may have to negotiate some sort of payment, or else they back off for lack of proper paperwork.

 

On the other hand - if you ignore and wait, they may go away anyhow.

 

What are they chasing for - is it a shortfall after volountary surrender?

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Just doing a little digging, as I recognised TradePro.

So it seems that TradePro 'group' are also, 'Compello' and MKDP (Milton Keynes Debt Purchase) and yes they do have the same company number as Raven 04746414 ?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Just doing a little digging, as I recognised TradePro.

So it seems that TradePro 'group' are also, 'Compello' and MKDP (Milton Keynes Debt Purchase) and yes they do have the same company number as Raven 04746414 ?

 

I thought as much - thanks! BB do you know what the C of N means? I haven't a clue.

Also, if Raven are claiming that as their company number, should they legally be listed as a trading partner under Raven Recoveries if they're to do collection activities. I assume they're using the same CCL number as well. I know it's legal for subsidiaries to trade under one CCL, but should they actually be named as existing at companies house in order to do so? As far as I can see they're not listed.

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  • 1 month later...

Ah well, if Muck Hall have got it you can bet it's unenforceable - to my knowledge they've never taken anyone to court. Prove it letter to them usually sees them off

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Ah well, if Muck Hall have got it you can bet it's unenforceable - to my knowledge they've never taken anyone to court. Prove it letter to them usually sees them off

 

 

Oh its deffo unenforceable, have known this for years, plus its got gap insurance which was never ever required so a bit of missselling too!

Today's post brought another letter from them with a reduced settlement offer, hahahaha

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  • 3 weeks later...

Has anyone ever received an NoA from MKDP?

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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