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

[GregRickshaw]

I haven’t heard anything further from W28 or the debt collection agency.

I have however been contacted from HMRC saying I owe them over £50k for 2018/2019 tax year when I was permanently employed and had nothing to do with the loan schemes… been on hold for an hour trying to talk to someone to dispute it as they’ve given me 20 days to pay…

You may not have been involved during those years, however the loan charge and the DR can reach back further to when you were involved in some kind of DR, and I am assuming here, if you have had a loan recall from the loan providers, this suggests you did have a loan at some point and should have declared it on your SAR for 2019.

HMRC had until today April 5th 2023 to issue enquires on schemes declared or not on the 2019 SAR, hence the flurry of recent activity from HMRC.

I imagine also the deadline is for HMRC to issue rather than send the demands, so it could be months until the demands stop coming.

Get professional help as soon as you can.

[MrsPatricia]

I haven’t heard anything further from W28 or the debt collection agency.

I have however been contacted from HMRC saying I owe them over £50k for 2018/2019 tax year when I was permanently employed and had nothing to do with the loan schemes… been on hold for an hour trying to talk to someone to dispute it as they’ve given me 20 days to pay…

[looperevil]

All your points are correct. Once a debt is disputed, they have to prove it exists which they can't. Felicitas know it which is why they have failed miserably

[MrO666]

As mentioned above, W28 have instructed a debt collection agency who have contacted a few people. W28 have also had some pressure put on them by these action groups.

My understanding is that providing an individual disputed any debt exists when contacted by W28, then they cannot just instruct a debt collection agency without first proving that the alleged debt is both genuine and enforceable.

W28 apparently instructing some debt collection agency in no way dissolves them from the legal responsibility to respond to SAR's.

The fact that "apparently" W28 have literally just ignored these requests raises some serious question about their credibility, and the months that pass without a any credible action just reinforces that.

[looperevil]

It's all gone quiet on here with regard to W28 etc.

I presume nobody has had any more comms?

I put them on the back foot and they have stopped responding.

As mentioned above, W28 have instructed a debt collection agency who have contacted a few people. W28 have also had some pressure put on them by these action groups.

[MrO666]

Whilst I'm not in line to be contacted, I know others who have been, and other than the kind offer to pay 50% of a totally unproven debt, they have heard nothing, despite both people apparently making SAR's too. The fact that W28 appear to be ignoring SAR's doesn't really say much for their credibility does it.

5 months and counting for ANY form of response does seem rather a long time though. Maybe they've realised it's not quite the gravy train that Felicitas no doubt told them it was.

[shampoo]

It's all gone quiet on here with regard to W28 etc.

I presume nobody has had any more comms?

I put them on the back foot and they have stopped responding.

[looperevil]

would you mind sharing the firm you are receiving advice from? I haven't yet received any letter but really would try get some advice and get ahead of this thing

I have gone with Elysium Law. If I hadn't got a letter from Town and Counrty, I would have just continued to ignore these crooks. But I would rather let the solicitors deal with these lot

[bylren001]

Fair to say you are referring to me. Not sure I have explicity provided advice and any pointers I have provided, have all been from websites such as the Citizens advice bureau etc. I don't need to prove my validity as a geniune poster or not. The irony is that some people who have posted here way longer than me have made some very dubious points whilst admitting they were not even caught up in these schemes. What is the motive here then from them? I won't sit here and pin point posts etc as it is not important.

Anyway back to the real issue....i too recieved the same letter but only got to it yesterday as I have been away from my house. The letter is a total joke. I have spoken to one of the groups today and are feeling a bit less stressed/anxious. The individual/expert I spoke to actually stated things with regards to my case which will work for me (even though a poster said it may not). The important thing here is to get some help if you are not entirely sure what to do. The named groups are all still active.

I was hoping more people would come forward and report they have been contacted. It could be that they have picked only a handful of people to chase. There seems to be a real correlation between my case and the case of the other person who has reported it on here.

would you mind sharing the firm you are receiving advice from? I haven't yet received any letter but really would try get some advice and get ahead of this thing

[MrsPatricia]

Thank you everyone for all the advise and links. This post has been a lifesaver.
I love the idea of upping their franking costs, may have to start doing that.