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

[MrO666]

Rightly or wrongly, there are some out there who are finding this all extremely stressful and worrying. If you allegedly owe £20k, well bollocks to them, how bad can it be, however, if someone is being chased for numbers running into hundreds of thousands, then I can completely understand why they would worry.

We're all more or less in agreement here that this is nothing more than a shakedown, however, lets just play devils advocate for a minute.......what if they did go and court ? Likelihood is they never will, as that costs money and their claim is flawed in so many areas. They also know that "IF" they did win, then it would be appealed straight away by the likes of WTT one would assume, so on it goes.

However, courts make some very strange decisions at times.

Remember, for the people chasing for money, this is nothing more than a simple debt dispute. They don't care less about trusts or any of that, they just claim that they "paid" a sum (which for very suspicious reasons is redacted) for an alleged loan book.......that's the end of their argument. Arguing the validity of whether or not they legally own this mythical "loan" book or not is only one half of the argument, as they will claim they have a legal deed of transfer (take that as you will).

Lets assume they do actually have the right, then it moves onto whether or not the paperwork they hold in relation to an individual is strong and robust enough to actually prove that any debt exists. That to me is probably more difficult a case than the ownership issue, as there's so many holes in docs I've seen it's a joke. I've seen Women referred to as Men, I've seen dates that don't add up, I've seen incorrect numbers, and more often than not I've seen no documentation at all, just an extremely loose claim, without anything to back it up at all, which is farcical.

In a nutshell, I can see both sides of the worry or don't worry argument, it all comes down to someone's personal situation. If you've got a chunk in the bank and they're after 20k, then why worry, worse case in the world you're 20k down. If you've not got that money and someone is asking for 100k, then it's natural to be a bit concerned I'd say.

All personal opinion of course.

[GregRickshaw]

It's accurate, however, there is little point paying any money if Felicitas don't have the authority and right to pay off the loan...

It may be accurate and from what I hear and believe, EL and WTT are basing their entire cases on the legality of the owning of the debts. Something we've all said many times.

However it does not stop people being physically ill and suffering terrible times (me included) this is why the post is flippant.

I have been in the 'don't pay debt companies anything until you assess the validity of the claim', brigade in debt disputes, won't stop me or anyone involved in this debt or any debt at all being worried.

It was flippant.

[eek]

It's far from an excellent post, it's extremely flippant given the stress and worry this has caused many of us. And possibly, easy to say from someone not affected.

It's accurate, however, there is little point paying any money if Felicitas don't have the authority and right to pay off the loan...

[GregRickshaw]

Excellent post Superfly.

It's far from an excellent post, it's extremely flippant given the stress and worry this has caused many of us. And possibly, easy to say from someone not affected.

[creativity]

Why don't you just pay the money to me and I will write off the loan? I'm a company director also and I can give you a signed letter confirming that the debt has been written off.

Have Felicitas proven the validity of the debt? Have they proven that they own the debt? I don't think they have provided any such evidence to convince WTT or ETC Tax.

Remember, these demands are from a company you have never dealt with and they are asking you to log onto an anonymous portal and enter data. Why don't they send the demands by post? Why don't they send the proof by post. Why cant anybody read the names of the signatures on the trust transfer documents that Felicitas provided? Why are sections of the documents they provided redacted? Why do the figures not match up? Where there were the most basic agreements, why have they doctored the addresses and terms?

Can you trust these people? Or will they take your money and a new outfit will turn up at a later date saying they have no idea who Felicitas is and they are the real owners of the debt, rinse and repeat ad infinitum.

Excellent post Superfly.

[Superfly]

I got an email on the 13th Demanding that I pay over 45k to them before the 20th August.

They kindly supplied a sort code and account number for me to transfer the funds. ?

This will get ignored, as has all other correspondence from them. All very bizarre.

Obviously upto everyone else how they wish to approach it but i’m not bothered about this at all. I’m more worried about what i’m having for dinner tomorrow night.

Did you manage to sort out what you are having for tea tonight JD? Dominos do a two-for-one deal on a Tuesday night.

[Superfly]

This is the wording in my letter:

However, it is our preference not to demand full repayment now. We do not think you could or would pay.
Instead, we offer to write off the debt, in exchange for an administration fee. This offer is made without
prejudice to our right to enforce collection of the outstanding balance, should you decline the offer. If you
pay an administration fee of £ 775, we will write off the entire debt, including any interest. To accept this
offer, please make payment to our agent as follows. You will automatically receive a letter, signed by a
company director, confirming that the debt has been written off and that you will never have anything
further to pay. The offer expires 31 August 2021.

Why don't you just pay the money to me and I will write off the loan? I'm a company director also and I can give you a signed letter confirming that the debt has been written off.

Have Felicitas proven the validity of the debt? Have they proven that they own the debt? I don't think they have provided any such evidence to convince WTT or ETC Tax.

Remember, these demands are from a company you have never dealt with and they are asking you to log onto an anonymous portal and enter data. Why don't they send the demands by post? Why don't they send the proof by post. Why cant anybody read the names of the signatures on the trust transfer documents that Felicitas provided? Why are sections of the documents they provided redacted? Why do the figures not match up? Where there were the most basic agreements, why have they doctored the addresses and terms?

Can you trust these people? Or will they take your money and a new outfit will turn up at a later date saying they have no idea who Felicitas is and they are the real owners of the debt, rinse and repeat ad infinitum.

[Monkeypower]

I got an email on the 13th Demanding that I pay over 45k to them before the 20th August.

They kindly supplied a sort code and account number for me to transfer the funds. ?

This will get ignored, as has all other correspondence from them. All very bizarre.

Obviously upto everyone else how they wish to approach it but i’m not bothered about this at all. I’m more worried about what i’m having for dinner tomorrow night.

JD1905 ..... I hope you can stop worrying now that dinner should be sorted out for this evening!

Your comment did make me laugh

[WJK]

It is not Fiscus!

[Wtaf]

Accounting company based in UK not IOM
All the financial/ personal data and correspondence held and produced by them? Surely if they have supplied personal data to F..... they should be held accountable?

If the accountancy company you're talking about is Fiscus, then that was started by Andrew Thompson who is also the guy that started IQ. They are all in it together.