West 28th Street Limited

[MrO666]

There isn't a creditor on planet earth that would offer 85% discounts on genuine debts that could be enforced in a court of law.

I appreciate there were different schemes at different times and the T&C's would have evolved over time, however, if you take the emotion out of it (Which is what they're playing on) and look at it logically, their claim is unsubstantiated, implausible and IMHO unenforceable!

I'm praying you all have the original paperwork and have previously disputed the alleged debt in writing ... their latest play is to reset the clock on statute barred limitation by acknowledging their mistake with regards to interest and citing the CCA 1974!

Desperation and one last roll of the dice!

The bit I'm really intrigued about is exactly how and why they suddenly think that CCA law now applies. I've been doing some real digging this past couple of days, and I can't find any logical explanation as to how they would or could claim this. Original "payments" were from an IoM Trust, which quite clearly was not governed by English CCA law. For them to now claim they are is very odd. They're going to have to produce some unbelievable paperwork to explain how a payment from an offshore trust has suddenly, 15 years later morphed into a loan governed by English CCA 1974 rules........and all with absolutely zero communication to the "alleged debtor"...........I'm going to get some popcorn.

[SouthKD]

There isn't a creditor on planet earth that would offer 85% discounts on genuine debts that could be enforced in a court of law.

I appreciate there were different schemes at different times and the T&C's would have evolved over time, however, if you take the emotion out of it (Which is what they're playing on) and look at it logically, their claim is unsubstantiated, implausible and IMHO unenforceable!

I'm praying you all have the original paperwork and have previously disputed the alleged debt in writing ... their latest play is to reset the clock on statute barred limitation by acknowledging their mistake with regards to interest and citing the CCA 1974!

Desperation and one last roll of the dice!

But surely just because they admit they got their paperwork wrong, it doesn't allow them to reset the clock?

I've not responded yet as there has been no demand, although I want to be ready for when they do. I received a demand for payment in feb 2020 and never had a response from Gladstones (but it was not an SD - not sure if that makes a difference?)
I'd like to think I fall into the Statue barred camp - but reading up it looks like even though they can't pursue the debt in court, it still exists - that doesn't make sense to me. Are they going to turn up at my funeral and put a claim in saying I still had some debt to settle!?

I try not to be emotive, but these animals are cruel beyond my belief

[UnhappyRed]

Anyone know a good letter writer? A template to send to the SRA would be useful

[shampoo]

Anyone know a good letter writer? A template to send to the SRA would be useful

AI is your friend when it comes to wordsmithing and letters/templates etc.

[cojak]

AI is your friend when it comes to wordsmithing and letters/templates etc.

Provided you know the right prompts.

[Validoom]

I am imitately involved in this case and many of the posts here have me very worried for some people.

I am not going to talk about the legal case itself but I warning anybody who has recieved a pack recently who does not currently have legal representation, you need to get some ASAP.

You will not be able to do this by yourself and West 28th will be issuing claims very shortly.

I say this as somebody who all the details of the ongoing case and what is coming down the pipeline, you can not defend yourself.

[Superfly]

Don’t you find it suspect that Greenwoods released a YouTube video on Friday to contact them about these letters, I smell a rat there too and will be ignoring my letter.

I thought that too. How did they know beforehand that Kenny was going to be sending out letters?

[Superfly]

The pile of paper sent by W28St contains a deed of assignment claiming to assign the rights to the loan from Felicitas Solutions to West 28th Street.
How can this be when Felicitas Solutions has dissolved years before the deed of assignment date 24th April 2026?

AI says it cant be done unless the dissolved company is resurrected through legal routes. Looks like Kenny has f*cked up even more.
This is quite important. The original deed of assignment was already a pile of sh*t, which Felicitas purportedly transferred the loan book prior to dissolving. Now they have seen that that transfer was a pile of sh*t, they have tried to do it again properly and somehow bring CCA compliance into it, but the big problem is Felicitas doesn't exist as an entity any more. This whole sack of sh*t has got more holes in it than swiss cheese. That's before we consider all the other issues people have identified.


>>> Can loans on a trust balance sheet be transferred to another company via deed of assignment if the company holding the loans has dissolved?

<<< Short answer: sometimes—but it’s not straightforward, and often not possible without formal restoration or another legal route.

>>> the company is IOM claiming to transfer to a UK company

<<< That changes things quite a bit—because an Isle of Man (IOM) company sits outside the UK’s Companies Act 2006 regime and has its own dissolution and property rules.
The core problem still stands


If the IOM company has been dissolved, it no longer has legal personality. That means:

• It cannot execute a deed of assignment to a UK company
• Any purported transfer signed after dissolution is very likely invalid

[cojak]

All I can say to this is please don’t rely on AI alone. You will need professional advice to be able to respond to this.

[shampoo]

I am imitately involved in this case and many of the posts here have me very worried for some people.

I am not going to talk about the legal case itself but I warning anybody who has recieved a pack recently who does not currently have legal representation, you need to get some ASAP.

You will not be able to do this by yourself and West 28th will be issuing claims very shortly.

I say this as somebody who all the details of the ongoing case and what is coming down the pipeline, you can not defend yourself.

Of course you can defend yourself … whether it gets a favourable outcome remains to be seen.

I for one will be defending myself.