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[WorldOfScams]

Maybe they have increased the value to represent expected recoveries?...

[WorldOfScams]

looking at companies house it looks like something is.....

[WorldOfScams]

Reading on statute of limitations

They are not normal loans, my deed states it is a specialty loan (along with other limitation extending wording) which means 12 years limitation, not 6.

unless, they are converted to that CCA agreement, which is impossible without our agreement....

[WorldOfScams]

Been reading:
A creditor cannot simply convert an old loan into a new, fully compliant CCA agreement without your agreement.
- so if we never sign anything, it’ll never become a CCA agreement.






Just to put it out there this an email from...

[WorldOfScams]

I have also saved all emails, and it seems all contracts, deeds and letters. And useful scheme explanation emails from individuals from Darwin.
Maybe i have enough to dispute, just don’t know how complex this will get...

[WorldOfScams]

Trethowans have, and initially, they don’t need to take 100’s to court..

I’ve found the deed, and from what i have now read, i now understand and agree if they are turning these into CCA rather that the original specialty debts they might be doing us a favour?...

[WorldOfScams]

I think due to speed of required response if they go ahead with the claims (which they have clearly indicated they are preparing, including their strategy, which as you can guess is skewed in their favour).

My understanding is a claim would need to be responded to within 14 (or 21) days....

[WorldOfScams]

unfortunately i think we are about to find out.
unless this is one incredibly elaborate bluff....

[WorldOfScams]

Not sure how much i should say in this forum but in short: from my skimish reading as theres a lot to digest. Elysium we’re attempting to resolve all of this with them, given the arguments we all know, but recently West 28 have changed tactics (from ignoring/ stalling to legitimising)...

[WorldOfScams]

I didn’t explain myself properly.
Elysium have provided the months worth of letters between them and Trethowans. The correspondences explain a lot about how we got here....

[WorldOfScams]

I’m in the Elysium group and they have provided correspondences from Trethowans...

[WorldOfScams]

Agreed, but I’m probably going with Elysium for now as i do believe we’re about to be put in a position that will require defending. And i’m not quite ready to go solo.

I also hoping if this attempt to extort us doesn’t work, then this may be over. What else could they try?...

[WorldOfScams]

I joined Darwin ~2012. And their brochure says:



“As your employer, IQ agree to lend you money. These loans are employment related loans for tax purposes. Because you pay interest on the loans at the official rate, they are tax free. We will lend you enough so that, after...

[WorldOfScams]

On the statue barred issue, the first communication i can find relating to recall/settlement offer was from felicitas on 30th july 2020. But this does state Final Offer.

Which is nearly 6 years.


I have the original scheme brochures, i have emails clearly explaining the...

[WorldOfScams]

Exactly the same - what did WTT do
for us?
Will this next (larger) sum end this?...