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Which is what the SRA complaint should be about.

On April xxth Trethowans sent me a letter that references the CCA 1974 regarding a long disputed debt on behalf of a company that is not FCA regulated.

Basic due diligence requires that Trethowans should have checked that their...

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https://find-and-update.company-info...filing-history

The 2025 accounts clearly show something going on with 2 million of debts due in 1 year added to the balance sheet....

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Another take on MrO666 's comment.

The liquidators / administrators of Felicitas should have sought the maximum money for their assets - and you would have that Elysium with it's members would have been very happy to allow their members to purchase the debt for say twice what West 28th...

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Before a demand is issued West 28th need to get into a position where the paperwork is correct so they can then make their demand.

As I said over the weekend the timing of the previous paperwork and the way they send things to arrive when you can’t contact people tells me that those demands...

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The issue you have is that the work involved is the same whether it's £10,000 being disputed or £1million.. So a figure that seems massive for you is tiny for someone who was well paid and used the scheme for years....

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This is all going to end up with proving that West 28th have fraudulently written and backdated paperwork - the question is how do West 28th get caught in the act.

SAR is one example but the ideal is for someone who has email records similar to mine to do an SAR request and find where fabrications...

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The excuse they will use is that the emails were lost in the mist of time as companies disappeared and people left.

Which is one thing many people on the other side of the fence will have - my gmail account has mails going back to June 2004 - which means everything important is easily accessible....

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I think it's one elaborate try-on - where they are going to do everything to scare people into paying without actually going to court.

Problem is going to court is equally going to take a long time and that's going to cost a stupidly large amount of money to fight....

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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...