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[MrO666]

I know of two people who received acknowledgment mails from Trethowans re SAR's...........however I don't know a single person who's had any response or acknowledgement from W28. I guess until the 30 day SAR deadline passes, then they're in no way obligated to respond though....

[MrO666]

i'm with eek on this one.

Don't voluntarily give something away that could potentially help W28 and Co in their efforts....

[MrO666]

Same same but different is what I think eek is saying.

I'm sure there's lots of commonality between it all, but it probably shouldn't be taken as a golden bullet, that's all....

[MrO666]

Just to state the obvious, whilst W28 could in thoery issue a statutory demand, if the alleged debt that it claimed to try and recover had previsouly been disputed, then it blows that argument out of the water, as you cannot use a SD to try to enforce a genuinaly disputed debt. In this scenario you...

[MrO666]

Agreed..........that info would only be available to someone actually involved in this, or who's a bloody good hacker............

[MrO666]

I would bet my last £ that any foreign people involved would be based in Malta, and would have a surname of Sacco....

[MrO666]

To the best of my knowledge, Trethowans have NOT asked anybody to pay anything as it stands.

I agree with others though, I wouldn't do anything right now, I'd wait and see what Dan's publication says, and what W28/Trethowans counter it with.....if anything....

[MrO666]

Just a polite reminder to everyone that forums have ears...............and eyes............

[MrO666]

Not directly relevant, but an interesting chain of events......

Basically, The Court of Appeal ruled that certain contractor loan debts were transferred improperly, so the transfers were legally invalid and the debt purchasers may never have owned the loans they tried to enforce........end...

[MrO666]

.......and if they're deemed FCA loans, then they will also be 100% bound by full FCA rules......which means many are statute barred.

I have seen demand letters going back to early 2020, so on that front, they would be out of luck.......can't have it both ways.

Remember, even...

[MrO666]

I have to agree with eek here........

Remove any emotion into how things ended up where they currently are, and focus on the facts, and how those facts will help you dispute any approach....

[MrO666]

A question to all.....

Has anyone had any reply or acknowledgement to any email sent to the EBT@trethowans.com email address ?

[MrO666]

Did the request for ID come from a Trethowans or Lawfront email address ?...

[MrO666]

Agree with the above.

Also, if someone disputed any claim back in 22/23 when W28 first tried it on, then that's perfact defense should you suddenly receive a SD, as i'm sure there's no legal basis for sending a SD for an alleged debt that's already in dispute....

[MrO666]

Does anyone "know" what form the next approach is going to take ?

Final Demand Letters ?

Statutory Demands ?

If anyone does know, it would be helpful for someone to at least give a heads up, so that impacted people can begin to prepare any resonse ahead...

[MrO666]

I'm also very suspicious of these laws firms, and have been from the start.

Yes we know W28/Trethowans are going to try something, but again, a dispute does not need to come from a solicitor.

If it were me, I'd ensure that all my paperwork was in order, and if I needed to,...

[MrO666]

Did you request via email or a letter, and did you receive any response from W28 to the SAR request ?...

[MrO666]

Make sure you send a separate SAR to Trethowans too..............

[MrO666]

Just to add something else (IMHO)......

I don't think they're made a mistake at all. I think they know exactly what they're doing, and they're just trying a different angle. If they're going to claim CCA, I don't think they would then go "oh, sorry we meant speciality". Neither...

[MrO666]

To start with, deciding to change an IoM governed EBT based specilaity debt into an English governed CCA 1974 regulated consumer loan is FAR from simple, and for that to be done without any consultation or contact with the alleged debter would, I believe, pose a serious problem for W28 if this went...