West 28th Street Limited

[Wollz]

I think we need to remind ourselves what this is really about and stop getting distracted by the noise.

We worked, submitted timesheets or invoices and received money we had earned. The scheme operators structured those payments as so-called loans, and now, years later, companies are demanding repayment.

We know we did not take out genuine loans. We know this was our earned income, not money borrowed from a lender. Our position is clear: these alleged debts do not exist.

The best way to demonstrate this is to formally challenge the alleged debts and require these companies to prove otherwise.

The next steps are simple:

1. Formally deny the existence of the alleged loans and any liability.
2. Demand copies of all alleged signed credit agreements and evidence of the debts.
3. Submit Subject Access Requests (SARs).
4. Report suspected fraud to the police and raise concerns with the FCA.
5. Respond promptly to any formal court proceedings.

We know what happened. We earned the money, we were paid for our work, and we dispute that any genuine debt was ever created.

The burden is on those demanding repayment to establish that legally enforceable debts exist.

Let's stop chasing the noise and challenge the very foundation of these claims. No proven loan, no established debt, no basis for repayment.

 

[wtafhwga]

So this is what i received by email from Trethowans today and basically all the information i require off them has to be obtained via me going through an identity process and sending them a £1postal order for any of my requests to be valid. They have acknowledged my emails to them with the email below but have not acknowledged recorded letters i have sent to them I will be contacting the FCA tomorrow via telephone to log my complaints about this whole decades long harassment form various parties.

As stated in previous comments, i have received letters regarding this subject matter from various parties but in regards to Trethowans /ethica resolve/west28th street limited i have received four letters and two emails

24/04/2026 Not a demand for payment letter
01/09/2026 Repayment Demand Letter
07/10/2026 Default Notice Letter
28/10/2026 Letter of claim Letter

THIS IS THE LATEST FROM TRETHOWANS VIA EMAIL 02/11/2026

Thank you for your email and attached letters.

Our client has no concerns in respect of limitation.

You can gain access to the requested documentation on the client portal by contacting enquiries@west28th.co.uk . Upon verification of your identity, you will be provided with a link to the secure portal holding all of your relevant information. This includes the documents you have listed and requested in your email.

Beyond the documents within the portal, we are not obligated to provide any further information or documentation.

We can download the documents and send them to you electronically. In order for us to do this and comply with data protection regulations, please send over a form of photo identification (such as your passport or drivers’ licence) as well as proof of address (such as a redacted bank statement or utility bill). Once this has been verified, the documents will be sent over.

Our client takes confidentiality seriously and so copies of your documentation, which contain sensitive information pertaining to the debt, personal data, bank details etc., may only be provided upon verification of your ID.

In respect of West 28 and Ethic Resolve Limited’s compliance with FCA regulations, this can be found online via the FCA website.

We acknowledge your request under Section 77 of the Consumer Credit Act. Please note that pursuant to the Act you are required to provide a £1 postal order fee with your request, until such a time as this is provided, your request is not valid. £1 is sufficient for all of the references. Please address the postal order to Trethowans LLP, at our Southampton office: Trethowans EBT Claims, Grange Business Park, Botleigh, Hedge End, Southampton SO30 2AF.

You should seek independent legal advice on the contents of our correspondence.

All of our client’s rights to pursue the debt remain reserved.

Yours faithfully,

Trethowans LLP

If they need ID and POA proof to show all the documents - eg they do not know who you are - on what legal basis then they are demanding money off you/us in the first place?

 

[Fergie11]

1 Apr 2014
FCA assumes responsibility for consumer credit
regulation in the UK
↓
23 Jun 2014
Garraway Trust registration cancelled

Maybe just a coincidence of dates from cancellation and the start of the FCA. Interesting they cancelled the licence when it expires a month later, that's if the dates of Garraway are the same as Darwins expiration

 

[mikcyp20]

Agree fully here. But I think there is a mother to all solutions.

FCA never to grant Validation Orders.

And the matter should also become political, not just remain simply technical-legal.

Not saying there's isn't other angles to play this, but getting this barred from the FCA is the mother of all solutions.

 

[strawberry]

Agree fully here. But I think there is a mother to all solutions.

FCA never to grant Validation Orders.

And the matter should also become political, not just remain simply technical-legal.

Not saying there's isn't other angles to play this, but getting this barred from the FCA is the mother of all solutions.

sending you a DM

 

[shampoo]

Here’s a thought for anyone who holds paperwork. People are being asked to repay “loans” in the name of a company that — on the public record — had not yet been incorporated on the date of the very agreement that names it as the lender, by borrowers with no recollection of ever agreeing to borrow on the terms now asserted against them. You could not have taken a loan from Barclays before Barclays existed, and that simple logic does not bend for an Isle of Man trustee company. So check two things on your own agreement — the company named as the lender, and the date it is said to have been made — and ask yourself: how could the first have lent anything on the second?

 

[TROYGB]

Demands for disguised remuneration scheme loan repayments

We have seen demands being made for people to repay loans, or purported loans, provided as part of disguised remuneration schemes.

www.fca.org.uk

The FCA has issued a statement relevant to the repayment demand. In its 2 November statement on disguised remuneration loans, the FCA says that where a court validation order is required, the debt remains unenforceable unless the court grants the order. It advises recipients who are unsure whether they owe the money to consider carefully whether to pay and to consider taking legal advice. FCA statement

 

[Wollz]

Interestingly sent my email to Trethowans today the EBT@Trethowans, received an automatic and also :

Your email couldn't be forwarded from ebt@trethowans.com to another email address.


enquiries@west28th.co.uk

Your message wasn't delivered. Please try resending the message.

 

[Fergie11]

How could an agreement dated 4 April 2011 have been entered into with Professional Independent Trustees Limited (126044C) if that company was not incorporated until 15 June 2011?

 

[MrO666]

Interestingly sent my email to Trethowans today the EBT@Trethowans, received an automatic and also :

Your email couldn't be forwarded from ebt@trethowans.com to another email address.


enquiries@west28th.co.uk

Your message wasn't delivered. Please try resending the message.

So EBT@trethowans are forwarding (or trying to) all messages to enquiries@west28th interesting