West 28th Street Limited

[looperevil]

Some great ground work done by you guys. Just to revisit previous discussions. West 28th have written in their latest iteration that they are in compliance with CCA1974. Which will for many people mean the supposed loans are time barred. Can they then, once they realise their mistake backtrack and call it a speciality loan or have they made an irreversible error. What starts the clock ticking on a speciality loan.
once again we'll done to you guys

If you are going to instruct a solicitor, set aside at least £5k for the initial back and forth. If it goes to court, then I guess it will be upwards of an additional £10k?

I would definitely try your home insurance first if you have legal cover. They will do an initial analysis based on your circumstances. If the odds of you winning are greater than 51%, they will cover the legal costs (assuming this type of dispute is covered under the policy).

 

[cojak]

I instructed a very good solicitor who I can highly recommend. As is well documented in the Felicitas version of this I settled however the solicitor was keen on disputing/fighting - Spoiler alert it's not the lawyers currently trying the class action.

I will wait for cojak to allow. Though I am sure I have been allowed on the Felicitas verions of this. I don't do DMs (I would advise the same to many of you)

Yes, it’s allowed Greg.

 

[GregRickshaw]

I would love any suggestions on solicitors. I've reached out to a few but not getting much traction, and one said they will only consider if a group is put together. I'm keen for an independent view. Feel free to DM me. Thanks -

Karen Eckstein at Haddletons. They have the skill to fight or settle, that decision is yours.

 

[strawberry]

Karen Eckstein at Haddletons. They have the skill to fight or settle, that decision is yours.

settle what? your wages? why would you do that!

 

[strawberry]

I have posted in this forum - but not yet approved.

I received 200+ pages from West 28th this morning

Statements showing a rebate of interest because nobody had sent statements monthly

a covering letter saying they now had the loan book from Felicitas and many letters saying that the demand Felicitas had made in 2020 is now due

Honestly, half suicidal half willing myself to bankruptcy as those seem the only options right now

sending you DM

 

[looperevil]

Karen Eckstein at Haddletons. They have the skill to fight or settle, that decision is yours.

She doesn't work there any more and the when I spoke to them a few months ago, they said they didn't have much of a clue on this subject as Karen worked on it.

 

[Superfly]

Karen is currently with Bexley Beaumont, she may also do freelance work directly with the client.

Email karen@kareneckstein.co.uk or telephone 07973627039.

 

[clause out]

Let's take a step back.


The CCA Act was brought in to protect money lenders from defaults by not allowing consumers to borrow more than they could repay. It was also presented as a protective guard for consumers not borrowing more than they could repay.

W28 have supplied a bunch of historical payslips.

Most of which evidence a contractor's salary being divided under two titles. Mine looked like this:

Day rate from end client - £220.

Payslip converted that £220 day rate into two.

NMW - £50

Loan - £170.

Edited to add: first time I saw the L word was in IQ payslip.

 

[GregRickshaw]

settle what? your wages? why would you do that!

We all must tread our own path my brother... (or sister.. thank you Reg)

 

[clause out]

Focus on facts