West 28th Street Limited

[eek]

Hi All,
Ive sent all parties my SAR.
Ive also asked Under Sections 77, 78, and 79 of the Consumer Credit Act 1974, my statutory right to request a true copy of the executed credit agreement along with a statement of the accounts.
My next step is to raise a complaint with the Financial Obmudsman, but i noted that many threads previous someone advised to raise a SRA against Trethowans, does anybody have a template or written the complaint already to the Ombudsman and the SRA that i could use please?
TIA

I wouldn't have done that - you've just said there is a loan (now granted you are asking to see it but you are implying that a loan may exist).

[wtafhwga]

It also applies for non-CCA loans.

I dind't read your previous post. Which lawyers avoided answering the question? Elysium avoided the question when I asked them regarding the loans being statute barred. They are disingenuous and are over complicating things in order to generate more money.

Yeah them. The idea was to keep the pool of people engaged as big as possible, emphasized many times. Many of those would have had this saga from already time-barred period, so not answering or keeping it muddy would still keep them engaged.

[shampoo]

It also applies for non-CCA loans.

I dind't read your previous post. Which lawyers avoided answering the question? Elysium avoided the question when I asked them regarding the loans being statute barred. They are disingenuous and are over complicating things in order to generate more money.

The best way to manage Elysium is to ask what is the strategy, what are the milestones, and what is the cost ... simple.

[looperevil]

How the statute barred applies in the non-CCA scenario? And if doesn't - why? I have posted previously that lawyers were avoiding to answer. Many of us here have this saga going back to 2012/3/4 - the time that has passed does not play any role?

It also applies for non-CCA loans.

I dind't read your previous post. Which lawyers avoided answering the question? Elysium avoided the question when I asked them regarding the loans being statute barred. They are disingenuous and are over complicating things in order to generate more money.

[grizzly704]

Hi All,
Ive sent all parties my SAR.
Ive also asked Under Sections 77, 78, and 79 of the Consumer Credit Act 1974, my statutory right to request a true copy of the executed credit agreement along with a statement of the accounts.
My next step is to raise a complaint with the Financial Obmudsman, but i noted that many threads previous someone advised to raise a SRA against Trethowans, does anybody have a template or written the complaint already to the Ombudsman and the SRA that i could use please?
TIA

[wtafhwga]

If they fall under CCA regs (which they don't), then they are statute barred if you haven't made a payment 6 years or ackowldged the debt.

How the statute barred applies in the non-CCA scenario? And if doesn't - why? I have posted previously that lawyers were avoiding to answer. Many of us here have this saga going back to 2012/3/4 - the time that has passed does not play any role?

[Wtaf]

Exactly, it's all smoke and mirrors. If they had all the relevant paperwork they would have produced it by now. It's all about making you fearful enough that you pay any or all monies suggested. This doesn't have to be expensive you just have to be proactive and fight back. Don't forget citizens advice is free and are interested in any letters you have been sent.

[eek]

Key item here, reminded to me by a post from lillybean from content now removed:

These alleged loans were funded by the fruit of the borrower's labor.

Borrower labor produced timesheets.
Timesheets produced Invoices.
Invoices were paid to an umbrella company.
The umbrella company paid a small salary to the borrower (employee), retained a fee, and released the rest of the funds as a alleged loan.
But the "lender" did not take any risk on issuing those debt instruments because they were the borrower's money being sent to the borrower, not the Lender's.

That’s utterly irrelevant unless the courts are generous and look at the entire picture.

hnrc looked at the full picture from

worker -> employer -> trust -> your bank account

the trust is talking about the bit in bold only

you should note that when I say find your paperwork it’s the deeds and loan agreements that are all important here because I don’t think West 28th has them (because they only existed on computer and even Felicitas never produced them).

[shampoo]

I looked thru the stack of waffle from April. There is a “notice of assignment” that my 10 year old could have typed up. But no actual “deed”

Exactly, a notice but no deed … couple that with in or around 22 September and the without prejudice statement regarding the notice, it’s not exactly a sign of a claimant who is confident with their sold as seen (alleged) loan book.

[LandmarkTower]

This matter is a source of sleepless nights, sustained anxiety, and distress for me. And a source of unplanned expenditure in legal fees, and of hours or research.

Let me pool whether that sentiment was more general. Please give a like if your felt the same way.