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[looperevil]

I wouldn't even contribute 99p towards buying the loan book. They paid £15k or £30k for it - can't remember the exact figure but it is one of those two numbers. The total amount of this loan book is on paper worth over a billion. And there is at least 600 people caught up in this. The loan book is...

[looperevil]

The longer these cases run for, the more the "lawyers" make. The only real winners here will be the lawyers...

[looperevil]

This just sounds like you are touting for business. How can you show you are different from Elysium who have hardly covered themselves in much glory?...

[looperevil]

Here is an intesting point fom HM Gov regarding litigation on debt claims:

CPR 16.5 specifically provides that, in a money claim, the claimant must prove an allegation relating to the amount claimed unless the defendant expressly admits it.

They can't prove anything in most...

[looperevil]

So for this person, they said they were sent the so called loan documents after they had started to use the scheme. They had already been paid money and then were sent these documents several weeks in and then asked to sign and send them back. They never signed and sent them back though. Essentially...

[looperevil]

Going through some of the documentation I have seen, I noticed something with some of these scheme providers. They said the loans would need to be repaid many years into the future - it was several decades after the so called "loans" were made. I won't mention on here the exact length but...

[looperevil]

3 issues I see with this:

1. Trethowans say they fall under the CCA. CCA = regulated.
2. Neither of these clowns West 28th, Felicitas and the original providers were ever authorised to lend money if they are CCA
3. If they are not regulated, they need to provide the evidence...

[looperevil]

You don't need to be objective over Statute Barred though - it is pretty much black and white. You can't even be taken to court if the time limits passed which is why engaging with a solicitor is probably a waste of money. This doesn't apply to just FCA regulated loans either. The conditions below have...

[looperevil]

By that logic, any advice you get for any issue from a solicitor is a "view" until a judge confirms it. Why engage with solicitors then in the first place? Go straight to the judge...

Legistlation exists for a very good reason. You apply it to your "case" if the legislation...

[looperevil]

Statute barred can be used. A few on here including myself have sought the advice from the FCA and the Citizens Advice Bureau. They even provided the templates to send them....

[looperevil]

You are correct. There was never an agreement number. Hence it is vital you keep hold of all letters they send. All this will go against them.

As you have said, this is falsifying documentation....

[looperevil]

This is hilarious. This is a breach of ICO regs. Also it shows how little involvement Trethowans have in this - they are just the front for this. West 28th are still doing the dog work. I would complain to the ICO about this....

[looperevil]

This sounds very suspicious and much like the nonsense Felicitas was pulling with regards to logging into some portal - I think that was back in 2018? See if you can seek guidance from the ICO. Also, don't send any ID until they can confirm what ID they want to see or rather validate your ID against....

[looperevil]

It's very important to know what information they have on you as depending on what they do or don't have, it will either help you or potentially go against you. If for example they say you owe X amount, these are the terms, this is when the money is due etc, you need to establish whether that was agreed...

[looperevil]

Good. Have they accepted this?...

[looperevil]

These people have been caught previously falsifying documents. I wouldn't give them the ammunition they need to try and pull these stunts again....

[looperevil]

I believe it is a mistake as these people have very little information on anybody. You should be asking what information specifically they require to validate your identity and then you need to question whether you ever provided that information when you onboarded onto these scam umbrella schemes. You...

[looperevil]

This misses my point. They need to check what they have on you against whatever proof you give them. If you give them proof. Why send them ID with your DOB if they don't have it on file? This is taken directly from the ICO website:

Step two: Know who you’re dealing with If you’re not...

[looperevil]

That may have been correct but a lot of this paperwork disappeared which is why these people were trying to get people to log into these fake Trust Helpline portals - tmyoy had to provide various bits of ID to get in. I saw that back in 2018 and knew straight away it was information grabbing exercise....

[looperevil]

This is likely incorrect. I will go as far as saying I am 99% certain they don't have anyone's correct date of birth. They certainly don't have mine. And you also have your driving license number on there and potentially your new address which is quite crucial as these people have been falsifying agreements...