West 28th Street Limited

[Wtaf]

I received a letter today from Trethowans LLP on behalf of their client West 28th Street Ltd. They are stating I owe interest on a loan, which has never been proven and I'd ignored Felicitas previously. Has anyone else received one? Is this the latest shake down?

[jonnie]

I have posted in this forum - but not yet approved.

I received 200+ pages from West 28th this morning

Statements showing a rebate of interest because nobody had sent statements monthly

a covering letter saying they now had the loan book from Felicitas and many letters saying that the demand Felicitas had made in 2020 is now due

Honestly, half suicidal half willing myself to bankruptcy as those seem the only options right now

[jezzah123]

I received a letter today from Trethowans LLP on behalf of their client West 28th Street Ltd. They are stating I owe interest on a loan, which has never been proven and I'd ignored Felicitas previously. Has anyone else received one? Is this the latest shake down?

I also received one of these today, dated the 24th April and arrived today (25th April). It feels like this letter is positioning to start taking action against me.

Searching google I saw that there was some action taken by Elysium Law back in August 2024 against 28th West West 28th Street Demands: Why Contractors Should Wait - Elysium Law I have sent them an email asking to join their group action - it might be too late to join that specific one, but it seems that the scheming felicitas have sold this allged loan to another company and they are also chancing their arm on trying to recover something that is not legally owed. I made such a mistake believing the phony QC approved ways to reduce the tax burden. I settled with HMRC, now these sharks are trying to get more money from me.

It is depressing...

[Thunderpants]

I have had exactly the same.
It says it’s not a demand for payment but I think they are just putting their house in order paperwork wise before they start coming at us again.( last time 3 years ago via workcap)

[ChrisH]

Received the same this morning, dated yesterday. According to chatGPT

Proof of Non-Compliance: This letter is a formal admission that the lender breached the Consumer Credit Act 1974. Specifically, they admit they failed to provide required statements, which triggered a "period of non-compliance" where "no sum is payable".

The "Cure" Attempt: By sending this statement now, the lender is likely trying to "cure" that past breach. In simple terms, while they admit they couldn't charge you before, they are resetting the clock to try and make the loan enforceable again from now on.

Copied the letter to Elysium asking if they are still involved in this rubbish.

[cojak]

FFS, this again. WTFH , could you work your magic on this please (I’m just not as good a digger as you).

[cojak]

Right - we’ve seen this before so I’m giving out immediate advice:

SENDING YOU THIS ON FRIDAY/TODAY WAS A DELIBERATE TACTIC TO PANIC YOU INTO RESPONDING BEFORE YOU GET PROPER ADVICE - DO NOTHING UNTIL MONDAY.

Also, read this thread https://forums.contractoruk.com/hmrc...u-get-one.html as it may be helpful.

BUT I REPEAT - DO NOTHING UNTIL MONDAY.

Better posters than me will be here by then, so breathe, and read the Felicitas thread over the weekend.

[eek]

Received the same this morning, dated yesterday. According to chatGPT

Proof of Non-Compliance: This letter is a formal admission that the lender breached the Consumer Credit Act 1974. Specifically, they admit they failed to provide required statements, which triggered a "period of non-compliance" where "no sum is payable".

The "Cure" Attempt: By sending this statement now, the lender is likely trying to "cure" that past breach. In simple terms, while they admit they couldn't charge you before, they are resetting the clock to try and make the loan enforceable again from now on.

Copied the letter to Elysium asking if they are still involved in this rubbish.

Surely these are now completely time served - as over 6 years has passed

[cojak]

Surely these are now completely time served - as over 6 years has passed

A very good point.

[jonnie]

If my statement letters are anything to go by, they claim:

"On 14 October 2020, our predecessor Felicitas Solutions Limited sent you a written demand, meaning that the loan became payable in full on 14 November 2020." - I'm thinking this demand was the statutory demand that WTT replied to on behalf of many stating the debt was disputed and that a statutory demand was an unsuitable mechanism.

The accompanying letter to all the statements says:

"We hereby give you notice that Felicitas Solutions Limited (the Company) have entered into a Deed of Assignment with West 28th Street Limited of xxx under which we have legally and beneficially assigned to West 28th all actions, claims, rights, demands and set-offs, that we have against you, including but not limited to claims for the repayment of monies owed by you to the Company."

F**king parasites (excuse my language, even with the obfuscation.