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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...

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The issue is how can it be if the initial paperwork doesn't exist.......

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Nope because this is a private company trying to pull a fast one and it's got nothing to do with HMRC.

If you wish to annoy anyone work out the processes for raising a complaint with the SRA about Trethowan's as I suspect they will be the people with the most to lose here....

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Also thinking about things overnight and this is may not be a today thing but I wonder what the SRA (solicitors regulation authority) will think about a law firm sending letters on behalf of a firm that claims to be CCA authorised but isn't.

I suspect that lack of due diligence would be...

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Please don’t take an AI’s statement as gospel - it may be hallucinating what you want to hear and you won’t know enough to capture the hallucinations.

now I think you are correct that the CCA is a massive mistake on their part but I suspect the reason isn’t the terms it’s the...

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I'm going for stupid - remember back in 2020 one theory about the statutory demands (cheap but awkward) was to get them shifted into UK jurisdiction.

But equally I bet the one thing the mountains of paperwork doesn't reveal is that the loan originated from an IoM company, so is there a...

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Got to say I'm 100% sure they wouldn't have been a licenced and regulated lender and I'm sure we covered this back in 2020 or so......

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They aren't consumer loans which opens up the question of WhyTF are West 28 talking about the Consumer Credit Act.

On the second point I refer you to my comments back in 2020-2. They don't have the money to actually take people to court so they need to do anything except that......

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So let's break it down

West 28th Street are trying to resurrect the loans that you disputed with both Felicitas and 28th West street back in 2020-3. The big bundle of papers sent on Friday was designed to legitimise the "loans" so they can attempt to claim the money again. At...

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Except this is not a consumer loan so the CCA 1974 is completely irrelevant as you will find discussed in a previous period of this thread...

Once again given that this is over 100 pages long and has a lot of old irrelevant bits attached I would suggest keeping West 28th street's current...

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Let's repeat my post from October 2020


My concern would be that the actual matter that a court would care about is literally just the bit in Bold below

your work > xyz > trust > your bank account

And the bit in Red isn't important for West 28th...

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I would suggest you post that on https://forums.contractoruk.com/hmrc...t-limited.html so that we keep this latest attempt on a single thread,

But I suspect the reason it's now is because they are doing things on an absolute shoestring so they've left...

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It should always be based on the day the money reaches your account but there are some things like this where the umbrella will insist on doing things incorrectly because that's how they've always done it and they wish to add to their own liability (note please don't ask me to explain that last part,...