I accept accustomed a letter from a accumulation alleged Phoenix. They are attractive for me to accelerate them my claimed details. I accept never heard of them and the letter itself was beatific to me by the Department of Amusing Protection, not this Phoenix group. It refers to policyholders but I accept never had a action with any aggregation of this name. Should I bother acknowledging to them at all?
- Mr D.B, by email
Your attention is barefaced and admirable. In a apple of abstracts hacks and phishing scams, accouterment claimed admonition to bodies you don’t apperceive is awful risky.
This Phoenix aggregation gives you no faculty of who or what they are, and why they crave the capacity they are allurement you for. The alone atom of abundance is that it has appear to you via the Department of Amusing Protection, giving it a vaguely official imprimatur, although that is no guarantee.
And both the aggregation and the Department appetite you not to accord with the Department but alone with the aggregation itself. It does accommodate chump affliction numbers but that would be no impediment to adult betray artists.
As it happens, this Phoenix army do abide – in actuality they are listed on the London Stock Exchange.
But they could absolutely do with cutting their bold in agreement of chump communications. You accept never heard of them, nor had any acquaintance with them before, and there is no acumen that you should have.
On the base that they were absolutely alien to an Irish audience, they should accept ensured they provided abundant added admonition about themselves in their access letter – abnormally as they are allurement you for your claimed details.
Phoenix accept acquired the allowance books of a cardinal of companies that operated in the Irish bazaar bottomward the years, including Abbey Life and Standard Life. In your case, they now administer the Abbey Life action you bought abounding years ago.
Abbey Life has been through several iterations back they awash you the policy. It was at one time a listed aggregation in its own appropriate – absolutely it was listed on the baddest FTSE100 at one point.
In 1996, it was bought by Lloyds TSB Bank, after actuality subsumed in that bank’s Hill Samuel Life Assurance business. In the year 2000, it bankrupt its doors to new business but, of course, still managed the behavior that bodies like you had already active up to.
Lloyds awash the business on to Germany’s Deutsche Bank in 2007 and it was after purchased, in 2016, by Phoenix. So they are adequate if, in this case, somewhat inept.
It is hardly abating that the aggregation says it has gone through amusing abundance to trace you – it abominably calls it by a now bombastic name, the Department of Amusing and Family Affairs – saying: “We accept approved to acquaintance you at your aftermost accepted abode but accept been clumsy to do so.”
You acquaint me you accept been active at this abode for over 40 years, including the aeon back you aboriginal bought this policy, and you accept never accustomed any letter from Phoenix. How then, if the aggregation approved to acquaintance you, could it accept failed?
And clearly, if you bolt addition cogent what attending like porkies, it does little to animate you to assurance them with your claimed details.
All told, Phoenix needs to up its game.
Please accelerate your queries to Dominic Coyle, Q&A, The Irish Times, 24-28 Tara Street, Dublin 2, or email dcoyle@irishtimes.com. This cavalcade is a clairvoyant account and is not advised to alter able advice.
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