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Take it you have the paperwork from 2023. Fraud by misrepresentation would be an interesting route if you have it......

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That isn’t long enough ago - dig up the original paperwork from 2014 but check that you didn’t say anything in 2020 that was sorry but what loan are you talking about?

but as Wtaf says below the six years is from the last payment you received from them or repaid them.

for the...

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I’m tempted to make an SRA complaint about Elysium and whatever the other firm is asking how

1) why they knew about it before the letters were sent
2) why Trethowans letter mentioned them...

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Got to say before given Elysium a penny I would be asking for evidence that West 28 has rich backers because there is nothing in the public record that says as much.

so what is their evidence that that is the case...

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Btw regarding the timing of the next letter - the obvious date will be sent May 22nd to arrive on the 23rd as 25th is whitsun bank holiday

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Only lawfront - not saying which firm it is - make them work for it and make the other firms start to hate the sister firm that generated the queries - as it’s really hard to know that a zero results is accurate unless your systems are built well . And I bet most of these firms don’t have 2020 fully...

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Equally I would be sending it to LawFront with the statement one of your firms sent me a letter dated April 24th.

that will increase the work required AND alert them to an awkward problem coming down the line and I see no problem alerting the HQ - they may decide to drop it very quickl...

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I wouldn’t personally be given tg the reference number / just say you received a letter from them dated 24th April...

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The bill is going to be £1.5m or so you need to have a rich organisation fighting your corner.

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See my suggestion of a SAR being sent to Lawfront, make it painful for them to deal with and watch as the details revealed are minimal (I suspect that at best for you (and worst for Trethowan's / lawfront)) you name is 1 of 1000 on a speadsheet sent to them....

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And imagine the SRA's (Solicitors Regulation Authority's) reaction when they are presented with a lot of complaints about threats regarding the CCA act that were made by Trethowan's when they (Trethowan's) have also confirmed that they hold no details about the individual but were happy to threaten...

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I’m sat on holiday and just had a strange idea, I wonder what a subject access request from Trethowans would generate.

and that request should have no reference to West 28, just a seemingly innocent request of what details do you hold about me.

it’s the sort of question...

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The other thing to do would be to get the name and email address of the partner at Thethowan (pick up the phone) and ask him personally about all the CCA stuff as that is it should be to hand as part of their due diligence before sending the email out....

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On 2 - you also need to ask for proof that every company involved in the chain (the initial company and all subsequent companies) were/are CCA 1974 registered....

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he says in the second sentence of his post that you quoted However, inside the wad of papers there was a single sheet of unheaded paper that stated the following...

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combining posts before of the weirdness of both bits.


The question is he has 3 posts on here - all about this (not a problem) but 2 of which seem to show foreknowledge of things that haven't occurred yet.




That Greenwood's video is dated the Wednesday...

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I think it's very easy to say the wrong thing and accidentally crystalise the debt - so I wouldn't be rushing to do anything myself.

Now it's different if all that is being sent out next is yet another Statutory Demand but if it's something else - advice is probably required

...

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The purpose of the letter has to be as you say the warm up to demanding the capital sum being repaid.

I would be throwing it at the SRA to deal with simply because it may discourage Trethowans from continuing the case as the next stage from West 28th is so obvious you can see it from the...

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Very seriously which is why I suggested reporting this yesterday - 10 or 20 people making complaints would result in someone at the SRA rapidly having an awkward conversation with the managing partner at Trethowans...

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The only way that Trethowans sent those letters out is because they didn’t do the appropriate amount of due diligence, because if they had done any it’s obvious that it doesn’t add up.

heck the CCA is very clear that loans from employers aren’t covered AND the email address is EBT...