West 28th Street Limited

[mikcyp20]

Excellent, thanks coveredname.

On that last point I am now intrigued for 2 things.

A. How long does it take for FCA to indeed decide.
B. How we all find out when a claim is made to the FCA to validate orders.

 

[MrO666]

I doubt the FCA would do anything like that quickly, as it would potentially cover many different schemes with many complexities. It won't be a 5 minute thing that's for sure.

I would be putting in writing that you want Trethowans to notify you including the case number when they submit the application in relation to the schemes that impact you.

 

[shampoo]

Does anyone actually read the posts … its ~12 months for the FCA to run the validation process.

Can all the newbies please stop posting meaningless drivel!

 

[strawberry]

Does anyone actually read the posts … its ~12 months for the FCA to run the validation process.

Can all the newbies please stop posting meaningless drivel!

there is no need for this. People are anxious, panicked etc. There are 185 pages of information and it is easy to miss something. If you don't want to say it again, don't, but you don't need to say this either. It is not meaningless drivel at all, people have genuine questions. thank you

 

[strawberry]

I've had the same letters - not looked at them, and have absolutely no intention of checking them unless I see a court summons from these disgusting piece of sh17 cowboys. They will try to intimidate people in the hope some low hanging fruit can be got at, i.e. some people pay them - don't do it !

We will also get some noddy debt collector letters etc, it all means nothing. They'll do nothing!

In order for them to beat me in Court and get the Judge to uphold the claim, they better have their ducks in a row, all of the paperwork, signed, dated with proof of payment to me (not a flippin spreadsheet), all the FCA nonsense about loans better be water tight - I doubt this will happen. They will need to take each one of us on individually, the first one of us to go to Court and win, means the game is over for them! The first person to get a Court date (doubt it'll happen) we all throw our weight behind him/her. They have to pay to take us to Court - they'll only pay Court fees if they think they can win - oh and the person can actually afford to pay them if they win. Can't wait to let them know I got squat and they can chase my ex wife if they want some money, but i'll save that nugget til last minute.

They're paying some minimum wage kid to sit with a laptop and printer, and send out letters, they can't even get that simple job right.

Total disgrace to do this to people... I say F em!

This made me wonder. If you don't have bank statements from over 10 years ago and they just have a spreadsheet saying they paid it, and they haven't got proof of electronic transfer, where is the proof? And who in their right mind would sign up for their wages to be repayable loans, with amounts such as 1,527.03 (after basic NI and tax deductions). Which CCA loan operates like this?! the whole thing beggars belief and I hope these criminals are finally exposed for what they are.

 

[mikcyp20]

I actually take it on the chin here.
I'll try to be more consolidated.

And as I have a full head of hair,
well I need Shampoo!

Both with and without intend the pun.
Haha.

 

[grizzly704]

Glad I spent my time over the weekend in submitting a thorough complaint to the FCA. I specifically brought to their attention the two recent letters (sent by Trethowans) stating CCA and the Validation Order content.
I received positive feedback this morning, and going by their update today they are taking this seriously. I will be helping the FCA from this point on.

So well done all, good advice here as always. We are not alone. Thank you FCA.

Good job, have you

 

[grizzly704]

hey all, so i have been digging around and investigating more. Further to the above, there are expemtions above with regards to registering as a money lender in the IOM according to the IOMOFT and IOMFCA. They do not have to be registered as a money lender if they are loaning money to an "employee". I know most of us were considered "employees" thus means that Darwin / Professional Independent TrusteeLimited (Company Number 126044C) need not register. However, having looked at all my documents i have in Black and white my contractual services stating myself as an Self-employed contractor. This means they Must have been incorporated when they started the loans, in my case they were not.
I urge you to check all your files, i have recieved a massive load of files from the solicitors and files in there are clearly false and files ive never seen before as they didnt have my address and they have some random email ive never used.
Ive contacted the FCA the IOMFCA and IOMOFT.
They are crooks and should not get away with this. fight this but you can only do that by starting to collect all your files, emails anything and everything you have. The more i have started looking into this the more i see the light getting brighter.

 

[corsair]

I wrote to Treathowns last month. Some details in that letter have now cropped up in a letter from Ethica direct to my address. I’ve never written to Ethica. So my details and content of my letter were clearly passed on and Ethica have acted on this. I received the same letter twice today.

Unexpected.

 

[eek]

hey all, so i have been digging around and investigating more. Further to the above, there are expemtions above with regards to registering as a money lender in the IOM according to the IOMOFT and IOMFCA. They do not have to be registered as a money lender if they are loaning money to an "employee". I know most of us were considered "employees" thus means that Darwin / Professional Independent TrusteeLimited (Company Number 126044C) need not register. However, having looked at all my documents i have in Black and white my contractual services stating myself as an Self-employed contractor. This means they Must have been incorporated when they started the loans, in my case they were not.
I urge you to check all your files, i have recieved a massive load of files from the solicitors and files in there are clearly false and files ive never seen before as they didnt have my address and they have some random email ive never used.
Ive contacted the FCA the IOMFCA and IOMOFT.
They are crooks and should not get away with this. fight this but you can only do that by starting to collect all your files, emails anything and everything you have. The more i have started looking into this the more i see the light getting brighter.

Loans to employees are explicitly outside the remit of the CCA.

That may not however be the get out clause you want it just means the CCA approach is invalid (and that may be their intent, get you to agree it’s a loan, pull the CCA bit and proceed to recover the loan as before).