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

[Fred Bloggs]

I doubt it's Statuary demands because if they are valid you would be going straight to court for enforcement.

So we are left with a new firm of debt collectors who appear to have bought the debts based on a set of lies from Felicitas because

is completely and utterly implausible. HMRC doesn't sell debt on, it passes it to collection firms for a percentage payment.

So I would be replying to them to provide evidence that any legal agreement with Felicitas exists and ask them to provide evidence to back up the claim because WB seem to have been conned by Felicitas.

And they're not the first. There's some truly despicable people around.

[looperevil]

I doubt it's Statuary demands because if they are valid you would be going straight to court for enforcement.

So we are left with a new firm of debt collectors who appear to have bought the debts based on a set of lies from Felicitas because

is completely and utterly implausible. HMRC doesn't sell debt on, it passes it to collection firms for a percentage payment.

So I would be replying to them to provide evidence that any legal agreement with Felicitas exists and ask them to provide evidence to back up the claim because WB seem to have been conned by Felicitas.

But also don't use things like claiming the debt is Statue Barred because that implies you think the debt existed at some point stick to simple things like please provide all evidence that the loan exists because I do not believe it does.

That is the flipside of using Statute Barred. However if it is indeed a debt and you haven't acknowledged it in 6 years or paid anything towards it, you will win if they take it to court. Going down this avenue, you need to be prepared to go to court. Hence they are trying Bully boy tactics and using debt collection agencies. The simple approach could work but needs to be worded carefully. I wouldn't even use the word Loan in any correspondence. Something along the lines of asking for a SAR or any documentation relating to the matter might be ok.

[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.

[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.

[rajguru]

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

[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.

[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

[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?

[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 ?

[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