Review Time
I had an extremely distressing experience with Azzurro Associates and their in house law firm Solaris Law Commercial Ltd. I was repeatedly contacted regarding an alleged company debt that I strongly dispute and for which I was not provided with satisfactory supporting evidence.
Despite reaching out directly to the directors of Azzurro Associates, Solaris Law Commercial Ltd, Cap on Tap and New Wave Capital Ltd and the organisation MALG in an attempt to resolve matters constructively, the claim was still pursued relentlessly by Azzurro Associates and Solaris Law Ltd.
Even after making them aware that I was unwell at the time, the matter was escalated to court. I found the approach aggressive and lacking in understanding or reasonable engagement. I am pleased to say they lost on all points of their claim.
I would strongly advise others in a similar situation to keep thorough records and seek independent advice from Mel at Personalguarantee.co.uk
Solaris Law Ltd firm’s website promises a 'laser-sharp focus on the detail' and a commitment to 'Integrity and Empathy.' CEO Mel Chell publicly claims that Solaris Law is 'Bigger. Better. Braver.' and has 'embedded the FCA Consumer Duty at every level.' There is a staggering disconnect between these marketing promises and the reality of their department’s actions.As a matter of grave regulatory concern when Officers of the Court specifically senior members fail in their fundamental duty to ensure data integrity. As in my case this enforcement is based on fabricated data, data irregularity and red flag tactics picked up by UK Debtline and other regulated advisors. The coordinated "Tactical Litigation" being deployed by their your staff, spcifically Mr Wood from 2021 to 2025, constitutes severe professional misconduct and "Sharp Practice" Issues which I believe I have encountered and been a victim of at the hands of this debt collector which include: Strategic Forum Shopping & Venue ManipulationManipulation of Evidence & TimingReliance on "Ghost Data" & Identity Check FailureFinancial Inconsistency & Evidence DiscrepancyPredatory Breach of Consumer DutyI am a vunererable person currently incapictated due to longterm health issues, when in a better place I will be writting a full article and publishing as I am that shocked that such old school redflag debt collection is still happening in 2026 by a regulated UK firm claiming to be the law and aligned at the highest level with the FCA. In my experience they ignore everything and like a predator go for the kill no matter what, no matter what evidence you hold that contradicts and disproves their fake narrative built on their belief of your case when they admitted the claimant their client omitted the truth and data for a 16 year RBS Dash for Cash dispute. RBS GRG victim article being written from my bed something to do while I get well.
Company should be seriously investigated. I had a loan from Funding Circle (Another company to be investigated) years ago for my business. No problem paying my monthly instalments until lockdown.. My business that I've worked my heart & soul into hasn't been the same since. So in lockdown I couldn't afford my monthly payments & totally understandable I wasn't able to work.. This company then took over my loan to collect.. I called when I received the letter & never in my life have I been spoken too in such disrespect.. I couldn't talk or explain my situation she just talked over me. I emailed SolarisLaw to complain & asked to sort my payment plan. After my complaint I got an apology from Kerry Hands & to send my expenditure form. I sent my details & did what they advised through Stepchange. Sent all details over, & asked for a payment plane & sort direct debit. I then got a letter from high courts that Azzurro Associates had taken over my loan & its now with Hight Courts? Thanks for letting me know? & a dept agency??? Ive not actually had time to breath or take this in.. I even chased them up & asked if I could sort a direct debit.. Nothing? no reply? I chased this up & was given a number for a Mr Thomas through High Courts as he's now Sorting?? Not professional in the slightest if you ask me.. I called him as I was bloody scared I don't want bailiffs coming to my home so I called & all I had was total base music in the background? 13th Aug 2025 & no care (I can't write what he said) Im coming to your house.. After months of stressing I got a letter from Solarislaw to say they are taking over my loan again 23rd Sep 2025 & I don't need to do anything at this stage? This evening I had a visit from Mr Thomas? 11/06/2025 (Bailiff) Im guessing they all use the same name.. certainly wasn't the guy I talked to back in Aug? Came into my pourch & demanded access to my rented home to take anything to the value? I have nothing? I was so lucky my son was with me, if he wasn't I don't know what I would of done after he left. its so hard to deal with theses things alone. This needs to stop.
Another review from me, I’m in a stressful mess after a bailiff arriving at my door this evening!!! I’ve tried everything to sort a payment plan.. no one from the company after many emails has ever replied. Mr Thomas I’m guessing a false name arrived at my door this evening & entered my porch. Lucky my son was here to help me, he wouldn’t leave & couldn’t get the help he required to enter my property to take anything that’s a value. I’m not working at the moment either so stressed as it is, they are coming back tomorrow with more of them & now my son is not wanting to leave. Never felt so intimidated or so scared in my life. How can companies do this or have the power to think it’s right.
IF YOU ARE LOOKING FOR LEGAL ADVICE AVOID THIS COMPANY OPERATE OUTSIDE THE REGULATIONS - THIS COMPANY OPERATE A VERY SOPHISTICATED SCAM PLEASE BEWARE!!!!Unfortunately, we have found to our detriment that this company colludes with several associates in order to create a linear income stream for one another. Solaris Law / Azzurro Associates / Shire Collections all operate under the same group umbrella and all operate outside FCA regulations. What is even more disturbing is that as the legal arm of the group Solaris Law seemingly are unaware of the laws and regulations that govern them, this is a legal entity!!!! Its unbelievableSolaris have spent their time providing incorrect information (when I can get through to them) and playing back and forth between all the other members of the collusion denying responsibility. Solaris Law present themselves as a legitimate legal company, however please beware, they are nothing more than front for unscrupulous Azzurro Associates and provide Azzurro and Shire Collections as well many others a degree of separation from their operations which take place outside the regulatory margins of the FCA. This company have consistently mislead, backtracked and denied culpability for anything whatsoever, seemingly with no one to hold them to account.I can only hope this review sheds light on their practice and others are spared the experience that we have had. Hopefully now that they have been reported, the way they operate has been exposed and they are finally brought to account.
Took 1300 out of a disabled lady’s account who as no debt and they have no recollection of her name but managed to have her bank details, this was apparently been looked into by there fraud team and investigated told money would be back in Wednesday afternoon then Thursday dinner time then Friday was told 3 business working days from then which it falls on a bank holiday weekend, we was told to contact the company which we did, how they can just take money thing is she won’t get it back now and was meant to be going away on Monday no explanation as to why this happened a debt company that’s done the totally opposite and took money of a disabled woman forcing her to cancel bills because she as no money left in her account they took the lot
I had an extremely distressing experience with Azzurro Associates and their in house law firm Solaris Law Commercial Ltd. I was repeatedly contacted regarding an alleged company debt that I strongly dispute and for which I was not provided with satisfactory supporting evidence.Despite reaching out directly to the directors of Azzurro Associates, Solaris Law Commercial Ltd, Cap on Tap and New Wave Capital Ltd and the organisation MALG in an attempt to resolve matters constructively, the claim was still pursued relentlessly by Azzurro Associates and Solaris Law Ltd.Even after making them aware that I was unwell at the time, the matter was escalated to court. I found the approach aggressive and lacking in understanding or reasonable engagement. I am pleased to say they lost on all points of their claim. I would strongly advise others in a similar situation to keep thorough records and seek independent advice from Mel at Personalguarantee.co.uk
I had a business credit card with Captain on Tap and no where on the letter of introduction to take out a credit card did it say that it was covered by a personal guarantee. The way you signed up for the card was through online document signing by clicking a tick box. I was completely unaware that it also meant I had entered into a personal guarantee which I have never done in my life as I have a limited company for the very reason that the company is the entity and not me. To cut a very long story I went through financial hardship having had cancer and fell behind in some payments. I was referred to shire recoveries and went through the process of setting up a payment each month. Although it wasn’t a lot I was paying towards the debt which I had disputed but they insisted that it was covered by a personal guarantee which I could not prove otherwise as it was all electronic and their evidence was a click on a non physical document. I was then moved to Azzuro and I’ve no idea why. It counted to make payment and then Azzuro made up some fictitious explanation that I wasn’t paying monthly and moved my account to Solaris Law to take me to court. Apparently this is all legal as they’re not covered by the legal ombudsman who they actually told me to contact!!!! I have all the evidence. They took me to court and the judge of course filed in their favour to make me pay more or get a default on my credit plus have ti pay it back. THEY ADDED £1750 FOR LEGAL FEES FOR A 1 REPRESENTATIVE TO GO TO COURT FOR THEM AND TRIED TO ADD a ridiculous amount of further interest. The whole thing was completely unfair and I had no recourse to defend my position. Do not take out an loans or credit cards with Capital on Tap or FUNDING CIRCLE ( there may be others!) which are all personal guarantees. They are all in it together to make money from anybody’s unfortunate circumstances even if you are paying them money each month.
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