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

[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.

[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.

[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.

[eek]

So we have another push, do we?

If yet another debt collector is involved, you might find that you have something called a Statutory Demand land on your doorstep.

Here is some info on it:



Take a look at the original thread for more information https://forums.contractoruk.com/hmrc...ml#post2844367

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

"the debt wasn't owed is from HMRC who instructed Felicitas and then Felicitas sold that debt to WB."

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.

[looperevil]

One other avenue to go down for help: if you have Legal Cover with your home insurance, you may ne able to use that. From what I can see Tax issues are covered. Whilst this is not explicitly a tax issue, it does kind of fall into that realm if you look on the HMRC websitr

[looperevil]

Prior to yesterday, I have totally ignored any correspondence from THL, Felicitas and W28. The more you look into the way these people have conducted their communication, it seems they have always been wanting you to acknowledge the debt. Even by enticing you to pay a small amount to write it off, you are essentially acknowledging there is a debt in the first place. Some of their communication for example was "please log into the portal and check the amount due etc".


I think the Statue Barred is an avenue that can potentially be pursued if you never ever responded to them or made a payment and it has been 6 years. There is a template you can download from the citizens advice bureau for this. But I want to run this by an expert first.

[looperevil]

As Felictas used Gladstone before to collect the debt, seems they have turned now to an equally morally upstanding agency, one view of their website will show you exactly the type they are. The problem is it's another level of nonsense the victims have to suffer another branching out of the original threats etc., Get help on this as soon as you can it's worth it

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

[GregRickshaw]

I’ve come home today to a letter from Town & Country requesting the money as outstanding debt with Felicitas. No mention of this new company at all.

I have requested all paperwork and contracts etc to be posted to me before I will speak with T&C any further.

As Felictas used Gladstone before to collect the debt, seems they have turned now to an equally morally upstanding agency, one view of their website will show you exactly the type they are. The problem is it's another level of nonsense the victims have to suffer another branching out of the original threats etc., Get help on this as soon as you can it's worth it