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Ever letter both you and I have suggested be sent has had 2 things in it

1) we deny that we owe any money
2) alongside said denial this is an SAR request (so we can work out wtf you are talk about)

so I can see why a law firm trying to do absolutely the bear minimum would...

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Or they see it as a relatively easy payday following some successful work elsewhere - having explained the shortfalls in their plan but failed to estimate the seriousness of said shortfalls...

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Just dispute the debt - I wouldn’t pay a pound in case they use it to argue that you accept the loan is a CCA one.

If you don’t have a lawyer able to dispute things perfectly I would keep everything as simple as possible. At the moment I wouldn’t even be querying the CCA stuff until...

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Send another dispute letter referencing the first...

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The CCA stuff is easy to deal with please show the entire history of the loan and the CCA authorization of every firm in that history from the Monet you claim they lent me money.

Later on you ask for the other items such as affordability checks that CCA loans require (note you would need...

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Judge could equally say) utterly irrelevant under the bits of law relevant to this case

this is the thing you need remember - you have to cover a lot of possible attack points and have a relevant reason as to why West 28th are not owed a penny...

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Our tax isn’t exactly difficult and FreeAgent does the calculations and the form submissions...

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No accountant, a mettle or Natwest bank account to get FreeAgent and do it yourself it really isn’t difficult...

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You are making the same mistake others have made here - you have referenced decisions from different branches of the court / law as one and the same.

West 28th Street Ltd v Halstead Associates [2024] EWHC 1698 - is from the BUSINESS AND PROPERTY COURTS OF ENGLAND AND WALES
TECHNOLOGY...

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there is zero chance anything gets to a court this side of Summer 2027.

what you need to watch out for is the Felicitas example where someone attached their Felicitas bill to an ongoing bankruptcy petition and Felicitas pretending it was their doing...

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Not if you can convince some victims to pay you more than the debt cost you to buy...

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Because it depends on when the loans become due......

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The AI does point at a very plausible point where the chain falls apart, a human being needs to check if that is the case....

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Dan's last comment in today's thread about the tax avoidance of stamp duty by adding 5 other properties to the transaction implies it's coming soon....

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1) you provide them with exactly the same information they have on you - a redacted driving licence has your name and address - and you could hide the number, your date of birth and issue date.
2) west 28th won't do anything and are so small that excuse may be seen as valid. That's not the case...

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They have enough details to send you a letter - that is all you need to send back to them...

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Did you get a second letter last week or not though?

Just checking to see if the SAR request may have shifted you into a different group?...

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They need to confirm that the person who is asking is legally entitled to the information - just send them a copy of your driving licence as that confirms who you are and where you live.

Yes they are creating hoops you need to jump through but this one has legal requirements so you do need...

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So nothing in April?

I would just go and make a Subject Access Request across all the firms involved, you want the data they have on you - because it won't will be missing the fundamental bits required for their attempt to stand up.....