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

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  • eek
    replied
    Originally posted by Brendan Clarke View Post
    As soon as Felicitas contacted me way back when (February 2020), I have challenged them to provide 'evidence' that I owed them money and that the loans were in my name and I had signed up to them. After many months of to-ing and fro-ing they sent me 'evidence' which was a PDF of a 'loan agreement' with my name and address on it and a 'time stamp', calling out this was the time I approved the 'loan'. I challenged them that this was not 'evidence' as anyone can produce a PDF with a timestamp put on it. I* asked specifically for evidence of me, or anyone linked to me, signing a loan agreement. They continually advised that the PDF was evidence. I therefore contacted the IoM Ombudsman in June 2020 to raise a formal complaint against Felicitas harassing me for monies I do not owe. The Ombudsman asked me to provide bank statements from the specific time (I refused) and also asked me to contact my bank so they could provide bank statements (I again refused - I have changed bank since 2012). It appears as though the only 'evidence' Felicitas have are PDFs of 'loan agreements' with a random timestamp on them.

    The Ombudsman has said they will go back to Felicitas to see what evidence they have (which is none iun my opinion). My complaint is still ongoing with the Ombudsman. I will keep you all informed as to how it goes. PLEASE NOTE: I engaged with Felicitas straight away and denied owing them money consistently and frequently.
    The Ombudsman is correct here - receiving money could be enough for it to be a loan...

    Whether Felicitas can prove is enough to the satisfaction of a court and demonstrate that the loan is now owned by Felicitas is Felicitas's problem - so they are doing everything they can to avoid having to do so.

    But as you note and as I've continually pointed out, you do need to tell Felicitas that you don't think you owe them any money.
    Last edited by eek; 11 February 2021, 11:10.

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  • Brendan Clarke
    replied
    Felicitas and stuff

    As soon as Felicitas contacted me way back when (February 2020), I have challenged them to provide 'evidence' that I owed them money and that the loans were in my name and I had signed up to them. After many months of to-ing and fro-ing they sent me 'evidence' which was a PDF of a 'loan agreement' with my name and address on it and a 'time stamp', calling out this was the time I approved the 'loan'. I challenged them that this was not 'evidence' as anyone can produce a PDF with a timestamp put on it. I* asked specifically for evidence of me, or anyone linked to me, signing a loan agreement. They continually advised that the PDF was evidence. I therefore contacted the IoM Ombudsman in June 2020 to raise a formal complaint against Felicitas harassing me for monies I do not owe. The Ombudsman asked me to provide bank statements from the specific time (I refused) and also asked me to contact my bank so they could provide bank statements (I again refused - I have changed bank since 2012). It appears as though the only 'evidence' Felicitas have are PDFs of 'loan agreements' with a random timestamp on them.

    The Ombudsman has said they will go back to Felicitas to see what evidence they have (which is none iun my opinion). My complaint is still ongoing with the Ombudsman. I will keep you all informed as to how it goes. PLEASE NOTE: I engaged with Felicitas straight away and denied owing them money consistently and frequently.

    Leave a comment:


  • neveragain
    replied
    Originally posted by BrilloPad View Post
    If only you had checked CUK first...
    This IQ stuff was done around 9 years ago. Didn't contract for too long before I stopped. First and last contract.
    Didn't expect all this 9 years later.

    Also, didn't know CUK existed then.

    Leave a comment:


  • BrilloPad
    replied
    Originally posted by neveragain View Post
    I do, was my first and only time, now I have to suffer and stress coz of it.
    If only you had checked CUK first...

    Leave a comment:


  • neveragain
    replied
    Originally posted by NotAllThere View Post
    You know the handle you've chosen - neveragain?

    Mean it.
    I do, was my first and only time, now I have to suffer and stress coz of it.

    Leave a comment:


  • jxtractor
    replied
    Originally posted by Superfly View Post
    Keep your guard up around this jxtractor feller, he's not all he seems to be. Dont believe everything he says about receiving letters from Felicitas as he may be trying to get a certain reaction and steer people down a certain path.

    I remember him being very active during THLs lame attempt to extort money from people. Then he disappeared when THL disappeared.

    He did try and defend himself at the time from accusations that he was THL mole as some of his statements were rather dubious.
    You're a funny guy. Even after all these years you still have a bone to pick. I'm beginning to think you're the mole.

    A mole on my..

    edit: of course I disappeared. I settled with HMRC and ignored CHS / THL and whoever the hell else until this recent Felicitas stuff got hot.
    Last edited by jxtractor; 10 February 2021, 21:41.

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  • Superfly
    replied
    Keep your guard up around this jxtractor feller, he's not all he seems to be. Dont believe everything he says about receiving letters from Felicitas as he may be trying to get a certain reaction and steer people down a certain path.

    I remember him being very active during THLs lame attempt to extort money from people. Then he disappeared when THL disappeared.

    He did try and defend himself at the time from accusations that he was THL mole as some of his statements were rather dubious.

    Leave a comment:


  • NotAllThere
    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."
    You know the handle you've chosen - neveragain?

    Mean it.

    Leave a comment:


  • NotAllThere
    replied
    Some light relief
    Originally posted by GregRickshaw View Post
    Anyway get the second letter (check in your junk)
    *giggle*

    Now I see <modsnip> and my head automatically translates it as <modsnip>.

    Leave a comment:


  • eek
    replied
    A very quick google points me at

    bare-gift-loan-trust-loan-agreements.pdf (canadalife.co.uk)

    Which is strange because as neveragain posted earlier today no trusts are involved.

    So why are they using trust terminology?

    Leave a comment:

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