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[shampoo]

Well said!...

[shampoo]

My understanding is once the clock starts ticking its doesn't stop unless you acknowledge the debt or pay something towards it....

[shampoo]

They're chancers!...

[shampoo]

The Gladstone demands were dated February 2020....

[shampoo]

I think you're missing the point ... a discretionary payment is NOT a loan and no ongoing liability is no on going liability!...

[shampoo]

From the original Darwin emails from 2010/2011:

Our solution offers ease of use and the peace-of-mind that you are using a secure and compliant solution. The mechanics behind how we operate are as follows; (Some mechanics redacted as not relevant)

Once you have joined, you...

[shampoo]

Exactly ... neither was the original scheme or any other party involved to date CCA regulated....

[shampoo]

As part of the Felicitas junkmail did anyone get a set of User Details artefacts? I think they're eluding to logging into some sort of portal!?

No URL or login credentials cited
Loads of Random IP addresses listed from multiple ISP's globally ... If you do a lookup on some IP's they're...

[shampoo]

All W28th did was regurgitate the falsified Flecitias documentation when I submitted my SAR....

[shampoo]

I wonder why none of the law firms haven't challenged the legitimacy of the deed of assignment? All the Felicitas artefacts I received were created en masse years after the event to fit a narrative. They are falsified documents littered with flaws and have been passed on to W28th as part of the deed...

[shampoo]

That’s annoying … they have changed the commentary between 2010/2011 and 2012....

[shampoo]

If you have your original 2010/2011 Darwin scheme correspondence, the claims from Gladstones, Felicitas, and W28th appear highly vulnerable.

I’d love to go over all the reasons why but I’m sure they keep a watching brief on this forum which is frustrating. If they make a demand I’m...

[shampoo]

Of course you can defend yourself … whether it gets a favourable outcome remains to be seen.

I for one will be defending myself....

[shampoo]

AI is your friend when it comes to wordsmithing and letters/templates etc....

[shampoo]

There isn't a creditor on planet earth that would offer 85% discounts on genuine debts that could be enforced in a court of law.

I appreciate there were different schemes at different times and the T&C's would have evolved over time, however, if you take the emotion out of it (Which...

[shampoo]

All they're doing is attempting to reset the clock whilst they workout their next move.

The advice is to do nothing until they actually demand something ... in the meantime have all your paperwork and ducks in a row so you're in a position to respond at pace with a denial of liability and...

[shampoo]

AI has gone back to the genesis of the schemes … the detailed info it has provided is very comprehensive. Whilst AI can hallucinate and should be fact checked it’s all about the prompting. I’ve recently used AI to hold the local police force and local council to account and its paid dividends...

[shampoo]

I’ve used two of the foremost AI platforms, both paid tiers, and they have both been consistent with the same red flags and challenges.

I’ll post my journey on here as it may assist others … especially anyone who used Darwin ~2010 - 2012.

[shampoo]

The fact they’re now standing behind the CCA 1974 in order for them to keep their hopes alive has actually given the upper hand to the people they’re pursuing. The alleged loan agreements don’t contain the correct prescribed terms and are in the view of AI unenforceable as they are not genuine...

[shampoo]

I’ve just put all my original paperwork from Darwin through AI alongside all the Felicitas/Gladstones and W28 correspondence and its pulled up a significant number of red flags which I’m going to send in writing in the next couple of days … their claim is basically Swiss cheese. The other thing...