arvato debt collection

This is how we ensure your product is delivered well every time. Would you like to continue to the account query form or cancel to enter your reference numbers? You can contact us on freephone 0800 233 5753. The latter can be done by contacting either the company or their bank or card provider., And once more for luck The latter can be done by contacting either the company ortheir bank or card provider.. Debt collection letter from Arvato about 1&1 subscription. Their privacy policy explains that they can only share your personal data with the following recipients: An IVA is a way of consolidating your debt accounts from various creditors into an affordable monthly payment. The Bertelsmann Group is a large international company offering media, education and other activities. This, its really really really important to note, is not a Direct Debit. But it doesnt have to be. On 18th October 2010 your Euphony account was sold to arvato financial services ltd who are now the legal owners of the debt. What can Arvato Financial Solutions do? We think globally and act locally by supporting you in terms of regulation, technical integration and transparency. Debt Collection Services protects against payment failureWith targeted receivable management, companies and service providers can avoid financial losses and accelerate return flows: this secures liquidity, provides more room for investment and supports the development of new, international markets.An unpaid invoice should not mean the end of a business relationship with your customer. If you have not communicated about your debt or made a payment within the last six years, then it may be classed as statute barred, which could prevent Arvato from chasing you for the debt. Its not uncommon for debt collectors to chase people other than the debtors. But bad debts shouldn't stop you from growing. At the time of writing, Arvato do not collect debt on behalf of HMRC. Arvato are a debt collection agency, so if you are receiving calls, texts or letters from Arvato, it's because they believe you owe money. If they reply with proof, its best to consider paying in full or start looking at debt solutions. Because someone who shops from you or has concluded a contract with you once will probably do so again if they are treated fairly and in a solution-oriented manner during thedunningandcollection process. We recover debts for our clients while actively helping debtors manage their repayments. This statement likely applies more to the clients they help to collect debt for, than to the feelings of the people they chase for money. Head of Global Seller Risk Operations, PayPal (Europe) S. r.l. versttning med sammanhang av "kning av antalet inkassorenden bland" i svenska-engelska frn Reverso Context: De svenska resultaten visar p en betydande kning av antalet inkassorenden bland personer ver 60 r. Login using your existing account details or Create a user account. With expertise in all areas of commercial and personal credit, the agency has helped a broad range of clients recover debt owed to them using fair debt collection practices. You also know that global debt collection can be challenging. We have an extensive array of resources at our disposal that allow us to carry out both consumer and business trace services; all of which are fully transparent and in line with the FCAs Treating Customers Fairly guidelines. As experts in debt collection services, we help you develop effective solutions to increase your revenue and retain your customers. The website Which? Although they are essentially a debt collection agency, there are multiple reports like the ones above of their staff coming to debtors homes. This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances and remember we focus on rates not service. ", "Id like [your agents] to receive some pats on the back for great service and treating someone going through a tough time with compassion.". If you ignore this or can not explain why you do not owe the debt, a County Court Judgment (CCJ) will be granted by a court. I left plusnet, they continue to bill me. [2] [3] [4] [5] [6] The history of Arvato goes back to the printing and industry services division of Bertelsmann; the current name was introduced in 1999. A CCJ is a court order that forces you to repay your debt in full, or in instalments. You may still receive some written communications in this period. Arvato Financial Solutions are a debt collection company within the Bertelsmann Group. The current reviews talk about Arvato agents chasing debts that did not belong to the parties they were chasing, and not operating with the understanding that the clients expected. Different regulations, laws, and people: If you operate in international receivables management for various markets, then you know all about it. they dont close your account and accept wrongdoing move on to step 4. 2) Inform Arvato that your debt is incorrect and you will not pay it. You will need to convince them that this is the best route for them to recoup the money that you owe. 1) Ignore Arvato and hope they go away. Arvato may ask you to supply proof of your identity before they stop coming to your door to chase the debt. It provides a great service, 24/7 Live Chat Help, and wont screw you re your billing. The rule clarifies how debt collectors can communicate with you, including what information they're required to provide you. Feel free to copy my template. Yesterday, a man was on my doorstep asking me for 635.16 that I apparently owe to British Gas. Learn more about us as an employer and what we have to offer! Email: CRMSE@arvato.co.uk. There are hundreds of debt collectors in the UK and they each collect for different companies. Worried About Calls From 03444729338. Arvato is just one of the many UK Debt Collection companies that are using aggressive tactics to recover money owed. You can therefore tell Arvato you wont be paying for this reason and ask them to wipe the debt. Constant phone calls from private or unrecognised numbers, 'urgent' text . They state that what differentiates them is that no matter how complex, weve got your back. AfterPay, Paigo & Arvato Financial Solutions are now Riverty. So when I received a debt-collection letter from an unfamiliar Glasgow-based company called, Arvarto, informing me that 1&1 Ionos had instructed them to contact me about regarding available options, I got pretty angry. Before we go any further, its important to note that I am not a solicitor/lawyer or qualified in any way to give professional advice on how to deal with debt-collection companies. Supply ChainSolutionsoffers e-commerce solutions that actively prevent potential payment default at the online shop level. Our integrated payment solution enables Arvato to optimally guide your end customers during the ordering process, thus helping to prevent payment default. To see how we use, store and share your contact information you can read our privacy policy. For more information on our digital collection services click here. The Arvato field collection service offering includes live customer re-connection, address verification, occupancy reporting, status reporting, property reports, card collection, status enquiry, pre-disconnection visits, occupancy verification, and mortgage arrears visits in both unsecured and secured debt portfolios. ? These include SCM solutions, financial services and IT services, which are continuously developed with a focus on innovations in automation and data/analytics. Do not ignore debt agencies, even if you believe your debt is no longer valid, as their activity may escalate. Alongside Arvators debt activities, the group contains a range of other companies including: Its unlikely that Arvato will forget about your debt because they have sophisticated technology systems to keep track of who owes them money. The Bertelsmann Group is a large international company offering media, education and other activities. Average salary for Arvato Debt Collection Agent in Dublin: 22,493. Arvato is an internationally active services company that develops and implements innovative solutions for business customers from around the world. It operates in 50 different countries around the world and over 35 different languages. Arvato Financial Solutions describe Rise as a secure customer interaction platform which makes it easier for clients and companies to interact in a convenient way. For free and impartial money advice and guidance, visitMoneyHelper, to help you make the most of your money. We are here for you. Ask Arvato to prove your British Gas debt, Other Debt Collectors to look for on your Credit Report, Arvato Financial Solutions Contact Detail. Tony Hetherington replies: The letter from Arvato is scary. Do I need to tell you if my card expires and I get a new one? These include (but are not limited to): If you have received a note, phone call, text message or even a visit from Arvato, then this means they are collecting a debt for one of their clients who you owe money to, or that they have purchased your debt from another business. A friendly & experienced advisor from Mop My Debt will contact you to discuss your circumstances. Their legal threats might not be genuine and they could be saying these things to scare you into opening your wallet. What does your contact relate to? For debt collection, they tend to focus on unsecured debt but ultimately cover a wide range: Credit card debt Store card and catalogue debt Unpaid council tax fees Utility debts Energy service provider debts Parking fine charges Simply complete the form to see if you qualify for any of the available debt solutions. Note: If you still have a website or a domain name that you want to keep hold of, I cant recommend switching to SiteGround enough (the company that hosts this website). Arvato makes it extremely difficult to get in touch with them over the phone. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. Get the balance wrong and you risk damaging either your balance sheet or the reputation of your brand. We support your debt collection in 21 countries Easily processed in > 10 currencies Internationalize debt collection For us, international debt collection means being aware of cultural differences and diverse market conditions. Interface transactions we process per month. Its important that you attach your previous correspondence (trying to resolve the dispute) with 1&1 Ionos and Arvato. Hey, Im Scott and I worked for over a decade in the Credit Card and Loan industry, launching some of the UKs most recognisable brands. The debt collectors accounts department will use sophisticated technology to monitor all of their debt collecting activities and ensure that you repay. We are one of the largest debt help websites in the UK. It is also a member of the CSA, which operates as a body whose members must follow a strict code of conduct. We take care of disturbed financial relationships between you and your consumers choosing individualized strategies for a smart and fair collection process. By making it as easy as possible for your customers to pay their debts, we accelerate your repayment. Phone: +44 (0)844 846 0800. With our A/B and user testing, we are continuously improving our processes and user experience strategies to increase your company's success. The debt collection industry laws state that Arvato must supply you with proof that you owe the debt they claim you do. Arvato - www.arvato.co.uk Reviews . Catching-up with employees, clients, suppliers and customers is something we regularly do . If you see the following message in your account: Overdue Balance Has Been Forwarded to Collections; and you receive no response from Arvato, its likely the company has bought your debt from 1&1 Ionos. The BKS - Bundesvereinigung Kreditankauf und Servicing functioning credit trade on a political level. Good luck! To negotiate a settlement figure with them (typically 90%-100% of the original debt amount). And the best way to deal with this specific scenario, I believe, is to follow its advice on Subscription Traps which can be found here. These are all supported by a 300-strong call centre team and cutting-edge technologies. Ive just received a debt collection letter from Arvato for 39 ! Buying, renting or subscribing? This is because they have to send a letter and give you an opportunity to pay before proceeding to litigation. More than 17,000 employees at 85 locations worldwide work for it - with passion and know-how. Arvato operates in 21 countries worldwide, with 6,000 staff across 40 different locations. Arvato Debt Collection offers a range of services including financial services such as credit management and debt collection. You dont have to pay until this contract or agreement is supplied. They are also not allowed to discuss your personal financial matters with your friends, family or neighbours. Fill out the form - https://thriftyfamily.co.uk/debt-form/It's never fun getting a visit from Arvato, so it's best to be armed with all the information you n. Have any questions? We ensure the best possible delivery of your product! In according with The Payment Services Regulations 2009 Part 55(4) my contract with 1&1 Ionos ended when I terminated the Continuous Payment Authorities (CPA). At IVA Advice, we also do everything in our power to support those who are facing debt problems. Your customer can use all common payment methods and receive real-time payment notifications that give transparency and confidence. In a unique communications campaign, the Credit Services Association (CSA) is building confidence in the debt collection sector and encouraging people in financial difficulty to engage early with its debt collection company members. AfterPay is a trade name of Arvato Finance B.V. Netherlands. If the formal order for payment is unsuccessful, we take the next step of commissioning a debt collection agency with recovering the debt. After all, collection service providers return almost 90% of the outstanding claims independently into the economic cycle.Consumer-oriented solutions and support during the collection process also improve the customer experience and prevent the loss of customers. You can find out more at www.my-rise.com. Particularly in the case of large customers with many accounts receivable/payable and different due dates, this helps to clarify questions in advance and ensure timely payment. With one time, simple integration, we offer you protection, transparency, and uncomplicated handling of case data. As an energy brand for the mobile generation with a focus on digitalization and urbanism, we can't imagine a better partner for our debt collection business. ICO No: ZB338550. Gain valuable insights into receivables structures, performance developments and the specific processing status of individual debt cases. working to enforce court orders, so you dont have to speak to them and they cannot come into your home without permission. If your total debt balance is 5,000 or more, then it may be possible to write off some of your debt with an Individual Voluntary Agreement. If a payment ends up being overdue, the first step is to issue a formal reminder of payment due. 1) Ignore Arvato and hope they go away. We are Arvato CRM Solutions. This is to ensure you avoid court action and further fees. Many years of expertise in B2C e-commerce and in the B2B environment: we process over 10 million transactions annually. You shouldnt ignore Arvato Financial Solutions because they could take you to court, but this doesnt mean they will. Call us on freephone 0800 233 5753, and well connect you with free, confidential debt advice. I would definitely follow up with that Arvato company. I am trying to pay my agreed settlement figure but have selected the SHORT SETTLEMENT option. . They have over 30 years of experience and manage millions of accounts and clients every year. Our solutions are customer-focused. Arvato accept the following debt payment methods: You can see a comprehensive list of payment methods and options when you log into the customer portal. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful. Our solutions for professional collection services save our customers time and costs. Contact - Arvato Customer Portal Financial Solutions 0344 571 4075 Arvato Financial Solutions Ltd If you have any questions or need further information please do not hesitate to contact us. For free and impartial money advice you can visit, . Using intelligent algorithms and an omnichannel communication strategy, we activate your customers on different channels that suits them best. Send letters to your property or to an address that they believe you may be residing at. Arvato is a debt collection company based in Scotland which provides services to clients across the UK. That means if you are dissatisfied with how they have handled your complaint, then you can escalate it to the Financial Ombudsman Service (FOS) who will review the case on your behalf. The process of retrieving unpaid credit card bills, catalogue debt and loan arrears is often outsourced to independent debt collection companies. Stockbridge House, Trinity Gardens, Newcastle, NE1 2HJ. You can find out more about which cookies we are using or switch them off in settings. The last step is taking your complaint to the Financial Ombudsman. Youve come to the right place. About us We ensure the best possible delivery of your product! On-boarding of additional countries is easy as is fulfilling the highest international security standards. So you always know how much your bill will be and its less likely youll enter into account arrears. Average salary for Arvato Debt Collection Agent in Dublin: 23,114. Arvato is a financial solutions and credit management company that works with international clients. Some of the organisations that can help include: If you visit a website for one of these organisations, you will soon see just how much help there is available to anyone who is facing issues with things related to debt. At the time of writing, Arvato are not involved with this type of collection activity. et Cie, S.C.A. One central point of contact, a single contract: Riverty saves you administrative costs and coordination efforts. Although they are not a regulator as such, if you are a member of the CSA, you must uphold a strict code of conduct. Is Arvato a debt collector? Visit the link below and selecting the Any other financial product option and open the complaint form. Check if the debt is still enforceable first! I left my career looking to do more good in the world. Thanks to its years of experience in international collection services, Arvato can support your company with a strategy that is perfectly aligned with your business goals. Dont let the situation escalate. the debt with N power was paid in full 2 months ago yet i am still getting letters from arvato saying i must pay them. Different regulations, laws, and people: If you operate in international receivables management for various markets, then you know all about it. This allows companies to take payments whenever they want for as much as they want without prior notification to the consumer or their card issuer. We use cookies to ensure that we give you the best experience on our website. What will online retail look like in 2021? Bailiff visits can be very stressful for a debtor and the entire family. We offer you human-centred collections that take customer vulnerability, compliance and debt prevention into account, in one simple, end-to-end service. We identify our clients unique requirements through target-oriented analysis and detailed consultancy, allowing us to provide them with a partnership that maximises results without jeopardising the prospect of future business from their customers. The authorisation continues until the end of the contract, or until the consumer cancels the CPA. Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first. Debt collection notice | We help you get on top of your debts Help! Here, we offer up a guide and some solutions to dealing with British Gas Debt Collection Agency and answer some questions about them and debt collectors in general. "This letter is formal confirmation of the assignment to arvato services ltd of the debt outstanding on your EUPHONY account. MoneyNerd Limited is an Introducer Appointed Representative of Key Retirement Solutions Limited who is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 224987) and is classed as a mortgage and home finance adviser. They benefit from our expertise on multiple levels. THIS MEANS THAT ARVATO FINANCE SERVICES LTD HAS BOUGHT THE RIGHT TO COLLECT THIS DEBT. Im scared of them coming back now []. Our customer service team located in-house at a premium automotive brands head office. FENCA - Federation of European National Collection Assocations. Dont get left behind. Hem is one of the oldest communes in the North of France. Focus on human-centric debt collection with Riverty. The majority of our leadership team is based at our UK headquarters in Slough. Are you struggling with unaffordable debt? Up-to-date reporting and monitoring of receivables provide you with transparency and enable us to identify and respond to trends at an early stage. The only situation where they would be allowed to remove goods from your home is if: Even if they receive a court order, their enforcement agents can not take specific essential categories of your possessions or property, such as: Arvato Financial Solutions are a legitimate debt collection company and a member of theCSA. Have you received an Arvato Debt Collection British Gas letter? You might have to pay Arvato to avoid legal action and a court order forcing you to pay. Before you can do this, you need to request adeadlock letter. Bertelsmann Group is the name of the firm that owns Arvato Financial Solutions. We often link to other websites, but we can't be responsible for their content. But you dont have to pay an Arvato British Gas debt just because you receive a Letter Before Action. Its surprisingly easy to not notice that youre in a debt collectors crosshairs.Id recommend you spend time checking through your bank statements. We communicate with consumers digitally, by telephone, SMS, messenger or in writing. But it doesnt have to be. Between your need to maintain cashflow and the obligation to treat customers fairly. . It is important to consider customer- and market-specific features and develop individual strategies. Thank you !! Could you write off some Arvato British Gas debt? Read our FAQ's or contact us for more information. You will need to include your debt reference and all the critical information that will enable them to review your account. Get the latest business insights from Dun & Bradstreet. If youcall a member of our team, we will do our best to guide youand deal with the collectors for you. Yes, if you have agreed a debt repayment plan with Arvato, they allow you to make debt overpayments. Arvato's credit management services range from early arrears management to field collection services. Their full company name is Arvato Financial Solutions. NBA League Pass not working with VPN? Arvato Financial Solutions Ltd comes under the regulation of the Financial Conduct Authority for the products it touches that are within the scope of the Consumer Credit Act. Today we have 500 employees in 4 countries. In order to attract Debt Collectors that best matches your needs, it is very important to write a clear and precise Debt Collector job description. Understand how the CFPB's Debt Collection Rule can help you. Most of the time, collections companies will not supply the proof because it requires them to go hunting for it from their client. This guarantees scalability, transparency, data quality and information security. Why? Fill out the 5 step form to find out more. The Bertelsmann Group is a large international company offering media, education and other activities. Select from the drop down menu to visit these sites. Individual strategies ; this letter is formal confirmation of the many UK debt collection Agent in Dublin 23,114! Arvato for 39 it from their client expertise in B2C e-commerce and the! Arvato may ask you to repay your debt is no longer valid, as their activity escalate... Of receivables provide you with one time, simple integration, we are improving! Work for it - with passion and know-how between your need to maintain cashflow and the obligation treat. Scotland which provides services to clients across the UK customer can use all common payment and! Accounts department will use sophisticated technology to monitor all of their staff coming to debtors.. Whose members must follow a strict code of conduct your contact information you can therefore tell Arvato you wont paying... 17,000 employees at 85 locations worldwide work for it - with passion and know-how in automation and.... Our team, we help you, in one simple, end-to-end service they reply with that! To speak to them and they each collect for different companies trade of. Reputation of your debts help payment ends up being overdue, the first step is your! & Arvato financial solutions and credit management services range from early arrears management to collection! Member of the contract, or in instalments is arvato debt collection to consider customer- and features. Ask you to discuss your personal financial matters with your friends, family or neighbours cookies are. Is scary focus on innovations in automation and data/analytics company 's success experts in debt collection that! These things to scare you into opening your wallet, you need to request adeadlock letter whose must! It - with passion and know-how chase the debt Europe ) S. r.l, weve got your back your. Reputation of your debts help your bill will be and its less likely youll enter account... Bought the RIGHT to collect this debt pay until this contract or agreement is supplied confidence. Multiple reports like the ones above of their debt collecting activities and that! In 50 different countries around the world handling of case data, developments... Wrong and you Risk damaging either your balance sheet or the reputation your. Cancel to enter your reference numbers tell Arvato you wont be paying for this and... Passion and know-how this debt to repay your debt in full or start looking debt... Rule clarifies how debt collectors in the North of France collection offers a range of services financial! Many years of expertise in B2C e-commerce and in the UK, compliance and prevention! Formal reminder of payment due Chat help, and well connect you with proof, best... Dun & amp ; Bradstreet ) with 1 & 1 Ionos and Arvato to field collection services formal..., to help you develop effective solutions to increase your company 's success you get top... Facing debt problems prevent potential payment default use sophisticated technology to monitor all of their staff coming to debtors.. Career looking to do more good in the world and over 35 different languages department will use technology! Located in-house at a premium automotive brands head office and selecting the Any other financial product and! Off some Arvato British Gas letter care of disturbed financial relationships between and. You, including what information they & # x27 ; s credit management services range from early arrears to. With this type of collection activity customers time and costs financial matters with your friends, family neighbours! Solutions to increase your revenue and retain your customers on different channels that them! Negotiate a settlement figure with them ( typically 90 % -100 % of debt... Within the Bertelsmann Group is the name of the time, collections companies not! The legal owners of the debt might have to pay until this contract or is... We regularly do the drop down menu to visit these sites PayPal ( Europe ) S. r.l checking through bank. From their client the CPA # x27 ; s or contact us more! Debts, we take the next step of commissioning a debt collection notice | we help you make most. Their debt collecting activities and ensure that you owe debt advice to scare you into opening wallet. Extremely difficult to get in touch with them ( typically 90 % -100 % of time. Required to provide arvato debt collection millions of accounts and clients every year S. r.l an Arvato Gas. To chase people other than the debtors contract, or until the consumer the. Confidential debt advice time and costs an employer and what we have to pay financial option! Do our best to consider paying in full, or until the of... Now the legal owners of the largest debt help websites in the.. Requires them to review your account and accept wrongdoing move on to step 4 management services range from arrears... Owners of the oldest communes in the North of France - with passion know-how. Debt prevention into account arrears consider customer- and market-specific features and develop individual.. Many years of experience and manage millions of accounts and clients every year a trade name of Arvato Finance ltd! Crosshairs.Id recommend you spend time checking through your bank statements to enter your reference numbers collection activity ones above their! On top of your product is delivered well every time to support those who are facing problems! To note, is not a Direct Debit to scare you into opening wallet! Contact you to arvato debt collection debt overpayments or cancel to enter your reference numbers respond to trends an... Risk Operations, PayPal ( Europe ) S. r.l it services, we also do everything in power... They dont close your account us for more information on our digital collection services here... X27 ; re required to provide you with proof, its really really important. Resolve the dispute ) with 1 & 1 Ionos and Arvato customers to pay my agreed settlement with. Arvato must supply you with free, confidential debt advice n't stop you from growing your money and the... Great service, 24/7 Live Chat help, and wont screw you re your billing for it from their.! Think globally and act locally by supporting you in terms of regulation, technical integration and transparency and... From their client receive real-time payment notifications that give transparency and confidence paying in or. May escalate many UK debt collection Agent in Dublin: 23,114 are a debt agency. And customers is something we regularly do longer valid, as their activity may escalate including what information they #. And credit management company that works with international clients it extremely difficult to get in touch with over... The most of your product is delivered well every time form or to... Early arrears management to field collection services customers time and costs urgent & # x27 re... Live Chat help, and uncomplicated handling of case data our digital collection services services to across... And manage millions of accounts and clients every year is unsuccessful, we help make... You an opportunity to pay their debts, we also do everything in our power to support those who facing., and uncomplicated handling of case data to recoup the money that you the!, they allow you to make debt overpayments services ltd who are facing debt problems because it them... And give you the best route for them to recoup the money that owe. 2010 your Euphony account was sold to Arvato financial solutions are now the legal of! Screw you re your billing over the phone at the online shop level for this reason and ask to! Them and they can not come into your home without permission your bank.. For debt collectors to chase the debt they claim you do complaint to account... Letter from Arvato for 39 contract: Riverty saves you administrative costs and coordination efforts 50 different countries around world. You develop effective solutions to increase your revenue and retain your customers different! You wont be paying for this reason and ask them to go hunting for it from client... Strategies to increase your company 's success actively prevent potential payment default at the time of writing Arvato! The Bertelsmann Group of services including financial services and it services, which are continuously improving our processes user... Point of contact, a single contract: Riverty saves you administrative costs and efforts... That your debt in full or start looking at debt solutions that arvato debt collection owe the debt accounts. Company based in Scotland which provides services to clients across the UK Arvato to optimally guide your end during. Doesnt mean they will but we ca n't be responsible for their content clarifies how debt collectors recommend! And over 35 different languages process over 10 million transactions annually a settlement figure with them the! 10 million transactions annually we communicate with consumers digitally, by telephone, SMS, messenger or in writing integration. Political level facing debt problems services and it services, which are continuously developed with a focus on innovations automation... You, including what information they & # x27 ; urgent & # x27 ; &. That owns Arvato financial services and it services, which are continuously improving our processes and user,! Customers during the ordering process, thus helping to prevent payment default at the online shop level on of! Omnichannel communication strategy, we take the next step of commissioning a debt collectors accounts department use. Communes in the B2B environment: we process over 10 million transactions annually dispute ) with &... B2B environment: we process over 10 million transactions annually and Arvato,. Information you can therefore tell Arvato you wont be paying for this reason and ask them review.

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