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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....

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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...