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[MrO666]

In my opinion (which arguably counts for little), at this stage I would be pushing this myself. As has been said many times now, formally request all paperwork from West 28 / Trethowans etc which they are relying upon to bring this claim, until they produce that, there isn't any way of them or anyone...

[MrO666]

When they're formally asked by solicitors and then also advised this is a £100m+ question, their focus will sharpen, trust me.

[MrO666]

OK, blows that tracked theory out of the water then

[MrO666]

An Observation from me............

I've spoken to three more people who have received letters now, and one thing that I have noticed, is that the people who received 48 Hour Tracked letters are people who previously disputed the claim with West 28 / Trethowans back in April/May. Those...

[MrO666]

Purely an advisory here, but people..........please be very careful about the terms you're throwing around on here regarding the word loans etc.

Please remember this is a public forum and it's known that West 28th and Trethowans will be reading it.

If you think you've said...

[MrO666]

Interesting that the FCA are stating they're not interested in an FCA Registered company trying to enforce payment of a debt that is incorrectly being claimed as CCA Regulated....

[MrO666]

Remember, West 28th and Trethowans are claiming that alleged loans ARE covered by CCA Regulations, so in this scenario, it could be argued that Ethica have the right to collect, as they can collect on regulated loans.

The issue here, is that everyone knows that these alleged payments were...

[MrO666]

Nothing to indicate any of that at this stage from what I've seen....

[MrO666]

I know of multiple people who settled for 1p in the £ when this was all with Felicitas.

As you say though, this comes down to how greedy they are vs how strong they genuinely feel their case is. Clearly only a fool would pay full asking unless a court told them to, so unless they honestly...

[MrO666]

Good info shampoo

I agree entirely with what you're saying. People should not just assume litigation will never happen.

There are so many schemes and I would guess that some might be seen as potentially stronger litigation cases than others, so agree that it's worth being sure...

[MrO666]

Sorry, not sure what you mean ?...

[MrO666]

I'm with you on this one, I can't see them going for a NWNF approach, but regardless what approach it is, Trethowans are doing everything they can to avoid providing information to people that they're legally entitled to.

.......and again, if this goes to court, then all of this will come...

[MrO666]

1) An FCA registered business can engage in the collection of CCA regulated debt only if t explicitly holds the "regulatory permission for debt" permission.

2) An FCA registered business can engage in the collection other debts providing that the debts are explicitly not CCA regulated....

[MrO666]

Totally different tack here, but I wonder what the FCA would think about an FCA Registered Company (Ethica) trying to enforce repayment of an alleged loan that is being falsely claimed to be under CCA Regulations, and where the alleged loan owner refusing to provide any evidence to substantiate that...

[MrO666]

And also, you want a genuine copy of the deed, not the branded letters that Felicitas etc sent out, but an actual copy of the legally binding Deed of Assignments in full......every one of them from the original trust to West 28th....

[MrO666]

OK, so I've now has sight of the letters and have a few points:

1) The letters appear to be confusing with regards to who you're supposed to deal with. I suspect this is intentional.

2) No details of how to actually make any form of payment. Personally I believe this is by...

[MrO666]

I am now aware of two people receiving these letters, and interestingly one was sent Tracked 48 Hour, the other via normal Royal Mail post.

I'm waiting for copies of the actual letters to be sent to me, but one thing I have been told is that for both people, whilst the letter is a "Payment...

[MrO666]

Who knows where this will all go, but one thing is for sure, if they genuinely try to make demands, this is going to take many years and lots of money, as this would all head to the big boy courts, not some local magistrate.

Poor Adrian though, he must be crying himself to sleep.