West 28th Street Limited

[chasedbyloansharks]

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.

Agree with this, send a reply to the LOC formally disputing the debt and remind them they need to provide proof.
Then try and put it out of your mind. If these so called debts were enforceable, Felicitas would have been quids in years ago.

 

[cojak]

I'm not here to tell you what to do, all I can do is to put forward the information from the likes of the FCA. The important point for me is that the information is available to you, what you do with that information is up to you.

 

[GroundHog]

I put a review of Trethowans on Trustpilot a few day ago and now Trethowans have asked Trustpilot for more information. But the only way to do that seems to be to fill in a form and give personal details like full name, email address, phone number, and reference number. I don't really want to do that. Is there a way to respond without Trethowans knowing my identity?

 

[MrO666]

I put a review of Trethowans on Trustpilot a few day ago and now Trethowans have asked Trustpilot for more information. But the only way to do that seems to be to fill in a form and give personal details like full name, email address, phone number, and reference number. I don't really want to do that. Is there a way to respond without Trethowans knowing my identity?

Why not ?

You've not giving them your signature and I wouldn't give them a phone number, but I don't see why providing your name, email and whatever reference number Trethowans have been using on contact letters would be an issue.

They also have your name, email and reference info anyway, so all you're doing is saying "yes it was me that left this factual review". I'd have no issue in them knowing it was me who put the review up.

Providing your review was factual, there's very little they can do.

 

[Superfly]

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.

My view is that if this ever ended up in court, one of the first things a judge is likely to look at is how it got there in the first place.

If West 28 and/or Trethowans can show they contacted you about the alleged debt, followed the Pre-Action Protocol and didn't get a response, then it's easy to see why they would have decided to issue a claim.

On the other hand, if you can show that you disputed the debt every step of the way, repeatedly asked for proof that you were liable and evidence that West 28th Street had the right to collect it, and those requests weren't properly answered, that puts you in a much stronger position. The same goes for any Subject Access Requests that weren't complied with, or any other failures to engage with the issues you raised.

At the end of the day, it's a bit like a game of chess. You're trying to put yourself in the best possible position by showing that you've acted reasonably throughout and made genuine attempts to resolve matters without court action.

That's really the whole point of the Pre-Action Protocol: to give both sides the opportunity to exchange information and try to avoid court if possible.

Ultimately, though, everyone has to decide for themselves how they want to deal with the situation.

 

[GroundHog]

Why not ?

You've not giving them your signature and I wouldn't give them a phone number, but I don't see why providing your name, email and whatever reference number Trethowans have been using on contact letters would be an issue.

They also have your name, email and reference info anyway, so all you're doing is saying "yes it was me that left this factual review". I'd have no issue in them knowing it was me who put the review up.

Providing your review was factual, there's very little they can do.

Fair point - they already have my name, address and email, so I guess no harm but as you say phone number not necessary. I've got a few days to decide anyway

 

[eek]

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?

Which part of when court documents arrive did you miss.

Personally I would have objected at every stage because they unwillingness to reply earlier would work to your advantage as you throw multiple reasons why the loan wasn’t a loan at them in your defense

 

[PJSMITH1980]

Seems they are trying to mix in some good fake reviews to protect their rating now

 

[lillybean]

Maybe a dumb question... but who will be reveiwing and organising all the disputing correspondance back to Trethowan? Trethowan or will they hand over to Ethica? Are Trethowans just providing counsel and a letter head?

 

[coveredname]

Seems they are trying to mix in some good fake reviews to protect their rating now

This one is odd. It's 5 stars feel like sarcasm.