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I actually wonder if there is a reverse loop here - try to regularise the loans via the CCA knowing that it's going to fail but that failure may legitimise the loan.....

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She sold the company and was leaving as soon as the earn out period finished....

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The fact you willing let your money go into a trust is very much a you were tricked but willingly entered into the scheme problem - but it still won't help you here because the only thing that matters here is a particular subplot in the story - which is - in what way did the money that was in the trust...

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If they are using the CCA then they need to issue a default notice before they issue a Statutory Demand.

and there is no way they can issue a default notice yet, they haven’t even asked for payment. So far all they’ve done is tidied up (and in all likelihood, faked) paperwork...

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Personal Data that is part of day to day transactions can be shared - so yes it was perfectly within their rights to do so.....

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The “If you do not respond to the claim” and let it go to court is doing a lot of very heavy lifting here

w28 would need to write you a letter - to which you could tell them to f off
then need to offer arbitration again an opportunity to tell them to f off
and then take...

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How about an SAR request to those law firms as well - it’s very possible that in their previous generic discussions other details may have been revealed...

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Take it someone at Elysium has said that...

But it doesn't surprise me that someones bright idea wasn't as bright as they thought it was.....

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We covered this earlier and also back in 2020. The reality is the money followed the following route

your work > xyz > trust > your bank account


HMRC look at steps 1 and 4
Scumbags are looking at steps 3 and 4.

Trouble is (for anyone who used...

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A letter of claim is just the starting point - it's a required step before court begins that's it. It's also the point at which you need your paperwork in order, which is why we've been saying get it ready now.

After 14 days there won't be a CCJ, you don't even need to send everything then,...

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Not sure what you are talking about there - for a CCJ to be issued they need to go to a court where you can dispute the debt.

If they use Statutory Demands you've got 21 days to tell them that the demand is invalid at which point it's then a matter of going to a court and arguing that the...

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The important bit is the bit in bold above.

You can't take an IOM loan and transform it into something that is subject to English law let alone English Consumer Law. if you have the original contracts where were the companies paying you based?...

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Firstly - do they keep any of the employer NI savings as I discovered another umbrella doing that yesterday (Paystream I'm looking at you)

if not then the calculation is how many 15.5% go into £40 so if you want to put an extra £260 or more a month into your pension you will be better...

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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....