Argentumcapitalpartners Reviews 21

Fraud. James, the director promises a very good deal initially, then they pay nothing. Wasted of time, money and energy and plenty of stress if you start anything with this company.

Having previously used this company to good effect in the past to collect debts owed by customers who continuously ignored reminders & various forms of communication, I have been quite dismayed that they collected over £800 on 26-07-24 & I am still to receive this money.

On the one occasion I got through to them after leaving numerous voicemails , I was told that this would be dealt with , yet over 17 months since I carried out work, I am still yet to be paid what my customer originally owed .

They IGNORE all email replies
and every 3 or so months send out threatening emails saying you owe x amount and will be taken to court. No matter how many times you reply they disregard it and carry on harassing you
SCAM

I yet again had no contact with this company over my balance on bill . 3 email sent nothing and no portal to log in . It’s a disgrace that company’s are using them as debt collectors

They do not follow due process and are registered as dormant, do not give them any money.

Don't answer emails and other stuff

keep chasing me for a debt that i dont owe and have proved it multiple times. Go away 2 bit company

This company are a scam. They’re not FCA regulated had a threat warning to be struck off in June this year. I stupidly read the reviews agreed to a payment plan. Made first payment and this morning received an email with threats of legal action or settle in full. Will no long be paying and will report to FCA and trading standards. Do not give these wankers a penny.

Seeing previous reviews, in particular Marcus B's, I can confirm with my own experience of their practices that they are a completely illegal outfit and will be reported by myself also.

1. Claims to Offer Corporate Finance Services

Their site markets services including:

Corporate Finance
Asset Acquisition
Debt Recovery
Turnaround and Restructuring
M&A advisory
Business Sales

Issue: These are all services that fall under FCA-regulated activity (particularly corporate finance and debt advisory), which requires FCA authorisation or exemption. Yet:

They are not on the FCA register

No authorisation number is listed anywhere on the site

There is no regulatory disclaimer, which is a legal requirement for firms offering regulated services
This makes their positioning potentially unlawful or misleading.

2. Debt Recovery Claims – With No Accreditation

They explicitly say they engage in debt recovery, but:

There’s no mention of FCA oversight

They are not members of the Credit Services Association (CSA) or other professional body
There’s no explanation of dispute resolution processes, no mention of complaints procedures, or
ADR mechanisms

Issue: Any legitimate debt recovery business should demonstrate transparency, legal compliance, and professional accountability. Their omission suggests either:

Ignorance of proper regulation, or

An attempt to avoid scrutiny

3. False Impression of Longevity

On their website and LinkedIn:

“Established in 2008…”

“Over 17 years of experience…”

Issue: The company was only incorporated in March 2023

Per Companies House:

No trace of any prior incorporated partnership or LLP
The registered entity is not the same as any pre-2023 entity

They’ve had dormant accounts and a strike-off warning — far from a continuous trading history
This could constitute misrepresentation and undermine trust.

4. No Legal Disclaimers or Compliance Statements

A professional site in this sector would usually include:

Registered company address and number (which they do)

FCA registration number or exemption declaration

GDPR privacy policy with Data Controller info
Complaints procedure

Terms of engagement

Issue: These are missing or insufficient, which suggests they may not even be meeting the basic expectations of financial and legal compliance in the UK.

5. Lack of Transparency

There’s no named team, no leadership bios, and no client references

The tone is corporate, but there is a lack of substance behind the claims

No contact telephone number is visible, only an email

Issue: This undermines credibility and may suggest a low-effort website created to lend legitimacy to enforcement threats

Final Verdict: Deeply Problematic

Argentum’s website raises multiple red flags:

They appear to offer regulated financial services without authorisation

They misrepresent their trading history

They omit critical legal disclosures and protections

Their debt recovery model lacks transparency, accreditation, and recourse

This is not how a legitimate, professional financial services or collections firm operates in the UK.

My advice: AVOID. Do not pay. Bin their threats. If they contact you, know your rights, and report them to Trading Standards, the FCA, or the ICO.

@ Marcus B

Please could you advise what your next steps are?

My anxiety has shot through the roof with this company. I sought legal advise because they have petrified me with CCJ and courts etc

I had gym membership. I paid, I have proof I paid from my bank statements. I cancelled as per the Manager of the gym told me how to.

1 year later Argentina telling me I owed Energy Fitness for unpaid fees.
This manager subsequently got fired for pocketing 2 years worth of rent… so, I think I know where my gym fees went…

I have emailed this firm 6 times now, asking for help, telling them that I don’t understand. I have proof. I’m trying to get IVF this year and if they take CCJ on me it could ruin my life, all for £100 which I have proof I paid them!!! This firm never ever ever respond to emails, cease chasing payment until they complete an investigation into my claims….

Their last email was 2 days ago. They said they will take me to court in 7 days. I’m seriously petrified.

I was just about to complain to the FCA but they’re not even credited with them!? So now I’m even more worried… are we left alone to be Harassed by this company, causing adverse psychological impacts…

Your review was great! But I would like to know what your next step is, if possible? I hope you need my review!

Argentum Capital Partners Ltd (Company No. 14750937) contacted me claiming to act as a debt collection agency for a small disputed balance relating to a gym membership.

After extensive investigation and legal advice, I strongly urge any individuals or businesses to avoid engaging with this company for the following serious reasons:

- The company was only incorporated in March 2023, yet claims to have been operating since 2008 — a clear misrepresentation on LinkedIn and their website.

- Companies House records show it is registered as a dormant management consultancy, not a licensed debt collection agency.

- It is not authorised by the Financial Conduct Authority (FCA) and therefore has no legal standing to collect regulated consumer debts under UK law.

- In June 2025, the company was issued a First Gazette notice for compulsory strike-off, suggesting it had failed to meet basic legal filing requirements. This was only withdrawn days later.

Despite clear and reasonable communication from me, including evidence and dispute documentation , they continued to send threatening emails implying legal consequences without providing any of the required documentation to support their claim.

This organisation operates with a lack of transparency, makes aggressive threats, and appears to rely on the assumption that individuals won’t check their legal obligations.

I will report this case to Trading Standards, and reserve the right to escalate to the FCA, ICO, and the courts if necessary.

Avoid. Completely.

@Jessica - I'd love to help. Please search up Vantastic Removals, based in 7 Bell Yard and email office :)

**** REPLY TO ARGENTUM'S NONSENSE REPLY BELOW ****

(BTW - You stupidly replied to Jessica here, not myself. Can't you get even that right?)

Unfortunately, your response does not adequately address the concerns I raised, and in some cases, it reinforces them. Allow me to respond point by point:

1. Trading History

You state the business operated as a partnership prior to incorporation. However, this cannot be verified through public records and any claim to pre-2023 experience should be clearly distinguished from the incorporated entity, especially when pursuing debt under that entity’s name. Claiming “17 years of experience” under a limited company registered in 2023 is misleading at best, and lacks legal continuity.

2. Company Status

You say the dormant filing was an “accounting classification,” but you filed dormant accounts up to March 2024 and faced compulsory strike-off in June 2025, both matters of record. These are not minor technicalities: a company that can’t file basic compliance documents on time has no business threatening legal enforcement over £113.

3. Regulatory Status

Your interpretation of FCA exemption is convenient, but problematic. Many gym contracts do qualify as regulated consumer credit agreements, especially when payments are split over time with a minimum term (as allegedly in my case). This grey area is exactly why most debt collection firms doing this work are FCA-authorised. The fact that you’re not puts you at the very margins of legitimacy.

If you are truly confident that FCA authorisation is not required, then publish a legal opinion or cite formal guidance, rather than making vague assertions.

Otherwise, you’re collecting debt in a regulatory vacuum.

4. Conduct and Communication

Your emails were worded in a way that implied impending legal action and CCJs, even while a clear dispute was already active and unresolved. That does fall into the category of aggressive behaviour, especially for a company without regulatory oversight. You also contacted a third partying my case despite my explicit instructions not to, that’s not just poor practice, it’s a GDPR concern.

5. Transparency

Your continued refusal to provide a signed contract, cancellation history, or written T&Cs to support your claim is unacceptable and undermines your posture of professionalism. The burden of proof lies with the claimant, not the customer.

To be clear:

You’ve failed to show FCA clearance, legal authority, or clarity around the nature of the contract you’re trying to enforce.

Your operational history and company filings paint a picture of a firm in administrative disarray, with a tendency to use pressure rather than transparency.

And most importantly, your client, CityFit, has explicitly refused to resolve the matter and has pushed everything onto you. That is not how responsible enforcement works.

I stand by my review. If necessary, I will escalate this to Trading Standards, the ICO, and the courts. You may consider this my final word.

I paid in full back in September 2024, yet I've since received FIVE threatening emails about CJJs demanding more money. I've sent repeated proof of payment. No response.

They've ignored all of my emails and failed to pick up the phone (20+ attempts). But somehow, still have time to post AI-written slop on their blog. Priorities?

If "James Mann" is running this operation, perhaps it's time to consider that entrepreneurship might not be for him. Running a business requires communication, accountability, and BASIC professionalism - none of which seem to be on offer.

I look forward to the usual copy-paste reply denying all wrongdoing.

Another Energie Fitness / Argentum debacle. Spoke with the gym who confirmed that I did not have a membership and had no default on my account. I have been chased for another £100.99 from ACP. I have previously settled when chased within the time period given. Sent several emails to ACP and never had a response. If ACP have been formally instructed by Energie Fitness then that’s ultimately not their fault but the fact that you never get a response to any correspondence is very poor. Ultimately the gym has confirmed there is no debt or membership so the last 3 payments to ACP should be refunded….

I've had emails over and over again I've tried emailing back to sent up payment plans then the never get back but will email.me again about the debt. And ccjs

It baffles me that the UK is allowing scams like this to legally register as a business, especially in DEBT COLLECTION. They will have you transfer money to their account and then tell you that you have sent less than what is owed and keep pushing for more money. They have been trying to swindle me for money for 6 months now. This is a shitstorm scam UK needs to sort itself out. after visiting the Argentum Capital Partners website and observing their "about" page I saw the image of "James Robert George Mann". I screenshotted the image and ran it through an Ai image detection software. The image in question came out as 99% ai generated. The company owner is legitimately not even a real person. do not fall for this shit. Legal action needs to be taken against this scam.

Genuine or not? I’ve asked them to send documentation to prove legitimacy but so far to no avail? They are chasing a gym membership debt that is over 4 years old? And the fact they want me to repay the debt into a revolut account screams scam?!

Does anyone know whether or not I should be paying the money owed to this “company” no qualms in sending threatening emails on a Sunday afternoon?

James Mann is a one man band working out of his back bedroom and note he never provides an address. The company and Mr Mann are not FCA approved and thinks the Law does not apply to him. He has no qualms at issuing threats of legal action on Sunday Evenings even on Mothering Sunday in a deliberate attempt to pressure people to pay his false claims which is harassment and if he does it twice it is a criminal offence. Please be aware that with the Brooklands claim Brooklands were in breach of contract when the each lockdown occurred as they could not provide the service they had contacted to provide, they may even owe you money. See the lockdown dates if that effects you.

Wildly unprofessional - harassing people with emails about money already paid months ago, and then do not respond to any emails or acknowledge payments

I have no idea if this company is even legitimate

Extremely quick to threaten CCJs, they are extremely rude and if you argue back with them they just take you to court, for a gym membership that was hiddious. horrible company and FCA should shut this place down.

Trying to contact them is like trying to get blood out of a stone they only reply to emails which you will be lucky to get replies from them.

They contacted me to recover a debt with a Judgement in place. They sent an initial email and then completely disappeared. James Mann is the MD who was really charming at the start then failed to return my calls. Be very careful, the service they provided was appalling