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

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  • saptastic
    replied
    You do get the impression if there was substance to their case that they would not be offering 10% to pay back or negotiating on this debt or proving their case with the relevant loan agreements. Or the need to reference court cases in such an ambiguous way. Easier said then done maybe, but if you receive a letter it seems - don't panic as it only takes one case (or joint) to create the precedent and it definitely seems from the thread a drawn out way to "enforce" a "legitimate" (in speech marks as to be proven or not or published by Felicitas) loan collection.
    Last edited by saptastic; 10 February 2021, 15:13.

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  • JD1905
    replied
    Thank you to everyone for the advice given so far.

    I first heard of this company 10 minutes ago when I checked an old e-mail address that I never use anymore. I can see they sent a few e-mails and have claimed that I owe them a large sum of money. I've received nothing to my address and there is no evidence that has been given to say that I owe them a penny. It seems like a desperate attempt to try and get money.

    Will be watching this threat to see what happens, but personally am not too worried.

    Leave a comment:


  • jxtractor
    replied
    pants on fire

    I want to thank people on these forums posting their advice (people like Eek!)! I've been resorting to the posts here after the mini panics with each new letter that gets sent to my 10 year old barely active email address.

    I have been lucky in that my alleged loan amount is less than £5000 and the settlements have been rather attractive to get this monkey off my back - but I've been holding strong on principal to not give into these <mod snip>

    For the first time I've engaged Felicitas after reading Eeks advice and I made it absolutely clear that I dispute their claim and will challenge a statutory demand, they replied back with various reassurances, including the fact that they hadn't yet issued an SD.

    Pushing them for evidence, they redirected me to the portal. I refused to log-in and replied that this is no different from an elaborate online scam at this point without a signed loan agreement and repayment plan.

    They then sent me about 30 attachments, probably the same documents from their portal. One of them was a GDPR doc suggesting they hold my personal information; one of them was an activity log an IP address and log-in information (I was stupid enough to login to the first portal offered after Garraway dissolved, and annoyingly gave over one personally identifying doc). They also had a list of payments marked loans in the several other docs (there were about 20 emails, all with the same statement).

    Thus far they have not provided i) a loan agreement, ii) loans attributed to my bank account details, or iii) any other signed evidences or emails, or written proof that these are loans which are now owed to Felicitas.

    Reading some of the other threads, I can see that HMRC staff are surprised by these attempts, too. I was hoping if we could draft an email here to send to our MPs, potentially start a Gov petition and aim to get this matter heard in parliament. The NHS is under great strain and I read that many contracting staff in the health sector were also caught up in these schemes! That could serve the death-nail in de-legitimising claims made by these firms; after all the HMRC deemed this as income and taxed it as such, it would only be in the governments interest to straighten this out and completely shut off the tiniest door to thousands of people wasting court time and (if ever bankruptcy?
    Last edited by Contractor UK; 10 February 2021, 15:00.

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  • Fred Bloggs
    replied
    Originally posted by neveragain View Post
    This whole thing is stressing me out.
    Dunno if I should negotiate my way out of this for a better deal than 10%
    Spent enough on legal now, cant afford any more.

    Just found this on something. Does anyone know what the below means?

    "The IQ Solution does not rely on any trust and is not an Employee Trust Solution."
    It's weasel words, run a mile, don't get involved.

    Leave a comment:


  • neveragain
    replied
    Query

    This whole thing is stressing me out.
    Dunno if I should negotiate my way out of this for a better deal than 10%
    Spent enough on legal now, cant afford any more.

    Just found this on something. Does anyone know what the below means?

    "The IQ Solution does not rely on any trust and is not an Employee Trust Solution."
    Last edited by neveragain; 10 February 2021, 08:41.

    Leave a comment:


  • NotAllThere
    replied
    Originally posted by WJK View Post
    Since the first contact I have received 6 different settlement amounts!
    Well, that should really strengthen their case, when they don't even seem to know how much they think you owe!

    Leave a comment:


  • eek
    replied
    Originally posted by Fred Bloggs View Post
    Thanks and good luck. I don't quite follow the logic. It's OK to intimidate quite a few people. But not OK to intimidate one person. Weird. It is what it is, I guess.
    If you think about it, it's no different from a parking firm sending the x00 letters via multiple debt collection firms as they try to get you to pay for overstaying in the private carpark they "manage".

    Leave a comment:


  • happychap
    replied
    Response

    Originally posted by Fred Bloggs View Post
    Thanks and good luck. I don't quite follow the logic. It's OK to intimidate quite a few people. But not OK to intimidate one person. Weird. It is what it is, I guess.
    Essentially if Felicitas turned up at your door doing this it would be a Police matter, (Direct harassment) however, what Felicitas is doing is sending emails, texts, and letters to a large group of people about the same thing.

    But you can still engage with a lawyer to deal with this kind of harassment.

    Hope that helps, and good luck.

    Leave a comment:


  • Fred Bloggs
    replied
    Originally posted by happychap View Post
    Hello Fred,

    I went down this line last week.

    I reached out to the Police in relation to the harassment from Felicitas.

    They believe that this is a civil matter as Felicitas are targeting a number of people rather than one individual so they suggest speaking with a lawyer.

    I'm also waiting for a response from the IOM Financial ombudsman who previously mentioned that Felicitas was indeed a debt collector but is not happy to hear about all the harassment they are involved in.

    Perhaps more people could reach out to them - strength in numbers!
    Thanks and good luck. I don't quite follow the logic. It's OK to intimidate quite a few people. But not OK to intimidate one person. Weird. It is what it is, I guess.

    Leave a comment:


  • happychap
    replied
    Answer

    Originally posted by Fred Bloggs View Post
    Which itself, I imagine to be an offence? Attempting to intimidate people to pay money in respect of a disputed loan would be of interest to IoM police?
    Hello Fred,

    I went down this line last week.

    I reached out to the Police in relation to the harassment from Felicitas.

    They believe that this is a civil matter as Felicitas are targeting a number of people rather than one individual so they suggest speaking with a lawyer.

    I'm also waiting for a response from the IOM Financial ombudsman who previously mentioned that Felicitas was indeed a debt collector but is not happy to hear about all the harassment they are involved in.

    Perhaps more people could reach out to them - strength in numbers!
    Last edited by happychap; 9 February 2021, 19:16.

    Leave a comment:

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