Things about to get very serious and much more real? / Felicitas Letters

[eek]

I was pretty worried for the last few years as I didn't read into this much. My only source of info was lurking on here. But as I look more and more into the legislation set out and things like constute barred etc the more confidence I have. Even simple things like on the financial ombudsman site it says agreements need to be signed etc for things to be enforceable, further reinforce my confidence despite people saying "If you have recieved money it counts as an agreement" - not sure that will stand up in court. These clowns know the chasing will fail if it goes to court. In my case they have no agreements signed and nor have I interacted or paid anything to them. I have potentially multiple avenues to go down to get them off my back BUT I will be contacting the groups first before I start sending out the template letters requesting them for proof . I will send the SAR request for sure. I also think I have legal assistance I can get through work

Be careful - don’t assume the consumer credit act or similar applies in cases where the money was lent to you within an employer employee relationship.

and remember that just accepting the money may have been enough to create the loan so you do need to tread very carefully here.

Ask for the SAR they have on you but remember not to sign any letter yourself in case they decide to “recreate the paperwork”.

[looperevil]

I was pretty worried for the last few years as I didn't read into this much. My only source of info was lurking on here. But as I look more and more into the legislation set out and things like constute barred etc the more confidence I have. Even simple things like on the financial ombudsman site it says agreements need to be signed etc for things to be enforceable, further reinforce my confidence despite people saying "If you have recieved money it counts as an agreement" - not sure that will stand up in court. These clowns know the chasing will fail if it goes to court. In my case they have no agreements signed and nor have I interacted or paid anything to them. I have potentially multiple avenues to go down to get them off my back BUT I will be contacting the groups first before I start sending out the template letters requesting them for proof . I will send the SAR request for sure. I also think I have legal assistance I can get through work

[GregRickshaw]

What did they say when you asked for that?

what was their response when you asked for all the information from them ?

I find the call details posted by MrsPatricia a little fishy, not on the posters behalf I'm sure they are correct.

There is no way an end debt collection agency would know the length of the chain like that, they would only know who they are collecting on behalf of. If you can get past the pictures on the web page of a bunch of thugs/bullies then they are debt collectors not a debt management company, they have not bought the debt so they would have zero idea of the chain of debt.

Who is WB in the chain anyway?

I know it's no comfort if you are caught up in this but this latest move seems more like again sabre rattling and how better to scare folk than have a company who have a web page of aggressive animals as symbols (this is against consumer debt rules anyway) and large groups of uniformed burly men.

Worrying times for you all

[PJSMITH1980]

I’ve had the same call from Town & Country. They’ve been told by WB that the payment owed is from HMRC who instructed Felicitas and then Felicitas sold that debt to WB.
I informed them this was wrong and I require my original contract and all documentation to be posted to me. Looks like I’ll need to instruct a solicitor.

what was their response when you asked for all the information from them ?

[PJSMITH1980]

I’ve had the same call from Town & Country. They’ve been told by WB that the payment owed is from HMRC who instructed Felicitas and then Felicitas sold that debt to WB.
I informed them this was wrong and I require my original contract and all documentation to be posted to me. Looks like I’ll need to instruct a solicitor.

What did they say when you asked for that?

[looperevil]

https://www.scottishtrustdeed.co.uk/...egal-services/

Some really good templates on there. The SAR template is good too:

https://ico.org.uk/for-the-public/yo...ccess-request/

These letters from Town and Country could potentially be ignored. I would normally do this but I have had enough: I am going to go on the offensive

[eek]

https://www.scottishtrustdeed.co.uk/...egal-services/

Important point here

• Don’t sign the letter! Print your name only. The company is required to provide the original copy of your signed credit agreement and, if you provide your signature, you give the company an opportunity to use it to reconstitute the document.

[rajguru]

https://www.scottishtrustdeed.co.uk/...egal-services/

[looperevil]

There are numerous opinions about all of those you mention. WTT and Webberg are the same though Webberg works for WTT, they are tax advisors/lawyers/specialists rather than debt collection lawyers.

EL have a project ongoing to try to stop these from keep cascading on forever, search the forum for the opinion on them and then call them to decide for yourself.

One thing to be wary of though with any of the bodies you mention here, is they tend to go at HMRC disputes, this dispute has almost nothing to do with HMRC so whether they are best placed to help you not sure.

CAB for sure, a law firm who specialise in false debt claims for sure. If you are not up to the task of challenging yourself then a lawyer is what you need.

Not sure this time around if there is a % settlement from Town and Country or if Felicitas have sent them a % value of your original 'loan' to collect, I don't think you mention it.

So at some point you may decide the % settlement is better value than a bunch of lawyers... up to you.

Or as many have said ignore or at the very least copy and paste the challenge response and wait to see what happens.

They haven't offered a % settlement and I am now sure that is a keep con to reset the time limit /limitation period of 6 years. This is clearly an avenue they will look to exploit in the future. You would need some solicitors overseeing that process that put in clauses that prevent them from coming back if you decide to settle.

[GregRickshaw]

Who would you suggest help is sought from? The citizens advice bureau? WTT? EL? Webberg?

There are numerous opinions about all of those you mention. WTT and Webberg are the same though Webberg works for WTT, they are tax advisors/lawyers/specialists rather than debt collection lawyers.

EL have a project ongoing to try to stop these from keep cascading on forever, search the forum for the opinion on them and then call them to decide for yourself.

One thing to be wary of though with any of the bodies you mention here, is they tend to go at HMRC disputes, this dispute has almost nothing to do with HMRC so whether they are best placed to help you not sure.

CAB for sure, a law firm who specialise in false debt claims for sure. If you are not up to the task of challenging yourself then a lawyer is what you need.

Not sure this time around if there is a % settlement from Town and Country or if Felicitas have sent them a % value of your original 'loan' to collect, I don't think you mention it.

So at some point you may decide the % settlement is better value than a bunch of lawyers... up to you.

Or as many have said ignore or at the very least copy and paste the challenge response and wait to see what happens.