West 28th Street Limited

[eek]

Can you please clarify as looking at the FCA's statement, it says: Consumers should not ignore any formal court documents they receive on this issue. They should consider seeking independent legal or debt advice before deciding what to do. It does not mention not to ignore repayment demands. Have I missed something?

FCA acts to protect consumers facing demands for disguised remuneration scheme loan repayments

We've intervened and Ethica Resolve Limited (Ethica), an FCA authorised firm that services and collects debt on behalf of creditors, has agreed to restrictions. These follow demands it made for people to repay loans, or purported loans, provided as part of disguised remuneration schemes.

www.fca.org.uk

The concern here - is that some people are ignoring letters and not responding. Which is fine up to the point things get awkward (statutory demands last time round, possibly court cases this time around).

Now I’ve been telling people to continually write and say they deny any money is owed but if court cases start appearing you are likely to need slightly more than that and will need arguments as to why no money is owed. That would be

1. The loan wasn’t a real referencing fulmar Contracting Ltd v Williams
2. the history of the debt is incomplete and there are gaps here, here and here that mean West 28th don’t own the debt
3. The loan is time served witnessed by the desperate attempt to kick things off next week.

And I’m sure we will have other arguments by the time letters start arriving

 

[redredwine]

The FCA register also shows :
"Requirements relating to vulnerable customers
05 NOV 2026
CLOSE
Print Page
3. The Firm must use its best endeavours to ensure that the 23 individuals whom it has identified as falling within its “red” vulnerability category are not named as defendants in any proceedings concerning the recovery of sums claimed by West 28 under the Relevant Agreements.

4. Where proceedings have already been commenced against any of those 23 individuals, the Firm must use its best endeavours to take all reasonable steps available to it to procure that proceedings against that individual are discontinued and that the individual is removed as a defendant, as appropriate."

How does one end up in the "red" category? Seems the FCA really are putting Un-ETHICA under the spotlight

Read the FCA regulations around vulnerable customers and categories and register a letter with West 28 and the others around why you are v. Legally they need to mark your file showing you are vulnerable. Vulnerable customers have to be treated under a set of clear FCA guidelines and if not observed and you have notified them then it can back fire on them

 

[Superfly]

FCA Acts on Disguised Remuneration Loan Repayment Demands

The FCA acts against disguised remuneration loan repayment demands, securing restrictions to protect consumers from potentially unenforceable debt claims.

solicitornews.co.uk

 

[MrO666]

Pisses me off that nobody is mentioning Trethowans at all, yet it is their name and their name alone that's been on the letterhead of every correspondence since April.

 

[PJSMITH1980]

Oh I have for sure and personally mentioned the solicitor involved to the police, FCA and MP

 

[PJSMITH1980]

Just checked out the Trethowans review page on TrustPilot. I'd say their business is going to go down the toilet fast especially when this hits the main press.

 

[MrO666]

....but if no press article is mentioning Trethowans, then they're escaping the backlash.

 

[tonymontana]

The concern here - is that some people are ignoring letters and not responding. Which is fine up to the point things get awkward (statutory demands last time round, possibly court cases this time around).

Now I’ve been telling people to continually write and say they deny any money is owed but if court cases start appearing you are likely to need slightly more than that and will need arguments as to why no money is owed. That would be

1. The loan wasn’t a real referencing fulmar Contracting Ltd v Williams
2. the history of the debt is incomplete and there are gaps here, here and here that mean West 28th don’t own the debt
3. The loan is time served witnessed by the desperate attempt to kick things off next week.

And I’m sure we will have other arguments by the time letters start arriving

I didn't respond last time around and am inclined to not respond this time unless its official. Queries back from AI shows me this:

• DO NOT write back on your own to "defend" yourself, make informal admissions, or offer token payments without legal advice (doing so risks resetting limitation periods or conceding debt validity).
• DO NOT ignore an official court document (e.g., a formal County Court Claim Form / CCJ). If formal court papers arrive, strict legal response deadlines apply.
• DO NOT pay third-party debt collectors out of fear. Paying them generally does not extinguish your tax liability with HMRC.

 

[JD1905]

The concern here - is that some people are ignoring letters and not responding. Which is fine up to the point things get awkward (statutory demands last time round, possibly court cases this time around).

Now I’ve been telling people to continually write and say they deny any money is owed but if court cases start appearing you are likely to need slightly more than that and will need arguments as to why no money is owed. That would be

1. The loan wasn’t a real referencing fulmar Contracting Ltd v Williams
2. the history of the debt is incomplete and there are gaps here, here and here that mean West 28th don’t own the debt
3. The loan is time served witnessed by the desperate attempt to kick things off next week.

And I’m sure we will have other arguments by the time letters start arriving

I'm sorry, but I don't see the benefit in doing that and wasting my time on it. When the court papers land is when it justifies my time and a response, until then - I do not see the point. What has been achieved for anyone that has responded so far?

 

[shampoo]

If a letter of claim has landed I would recommend you use it to your advantage ... it’s an opportunity to formally dispute the debt and more importantly ask them for additional documentation.

That clock is already running for many of us.