West 28th Street Limited

[luca0136]

Digging a little into West 13th that own half of West 28th.

There is a single active director: WEST 13TH LIMITED people - Find and update company information - GOV.UK

Googling that person could lead you to litigation funders Heirloom Fair Legal: Heirloom Fair Legal - Delivering Access to Justice

Going to TrustPilot for Heirloom Fair Legal (they must have changed names as the URL is odd): https://uk.trustpilot.com/review/www.hayesconnor.co.uk
Note the sheer number of reviews alleging fraudulent use of signatures/forging of documents.

Just saying, nothing implied. E&OE etc etc

surely they wouldn't go as far as forging a signature would they? My dispute letter doesn't contain my signature but the page where you can dispute the debt check box I did print my name, just didn't sign it.

 

[MrO666]

As much as I dislike Ttethowans, I don't for one second think they would be involved in that kind of activity. I wouldn't put it past "the others", although even that turns trying to get money from someone into a criminal offence, which would both blow their entire case out of the water, as well as potentially get them charged with fraud.

Fabricating missing documents I can believe, forging signatures though.........I'm not sure on that.

 

[chasedbyloansharks]

I have responded to Treth's 'letter of claim' -

Dear sirs,

Thank you for your letters dated 1st September 2026 (repayment demand) and 28th October 2026 (letter of claim, that arrived together in the same envelope. The letters refer to the above references relate to separate alleged master credit agreements.

I reiterate what I stated in my letter dated 8th October 2026 which is that all the alleged master credit agreements, and any associated debt, are formally disputed and I do not admit any liability.

I dispute that there are any enforceable credit agreements under which I am liable.

To date, I have not received any acknowledgement nor response to my previous letter. Neither have I received the documents I requested in that previous letter. To remind you, I require you to:-

• Produce copies of the executed credit agreements upon which you rely,
• Produce copies of the documents incorporated into/referred to, by those agreements,
• Produce, for each, a complete statement of account/loan account showing how the claimed principal was calculated,
• Produce, for each agreement, evidence showing when and how the alleged loans were advanced to me.

Kindly note that as it is your firm that has sent me these letters, it is your firm’s name written on the letters, and your firm’s email address mentioned on those letters. I am now expecting Trethowan to be supplying the above requested copies. I request that all the copies mentioned above are to be sent to me via post.

I dispute all the alleged amounts, and I require you to explain, for each of the above, the contractual/legal basis upon which the amounts became repayable.

In the meantime, I require you to place recovery/enforcement activity on hold while the dispute is under investigation.

It’s interesting that you point out the letters came from T, as they’ve told me “correspondence in relation to the litigation aspects of this matter is via the litigation team who are contactable using the T ebt email address” but I need to provide further id to obtain the loan copies directly from W (because I refuse to use the portal) as what I provided to T is not satisfactory to them (west). This came from T who claim W are responsible for my SAR. Why the hell are they writing to me then and not W. Absolute shambles.

 

[MrO666]

They are intentionally making the whole things as complicated and frustrating as possible, all for their own ends.

Ultimately, if push comes and shove and they want to take people to court, then they will have absolutely no option other than to produce the documents, otherwise they have no case. At that point, it would also be clear to any judge that they have been playing games and intentionally putting obstacles in the way to either dissuade or flatly prevent people from getting what they are legally entitled to.

Either way, if this goes to court, it's not going to look favourable for Trethowans based on their behaviour. Remember, even if they won the case, a judge can still award against them in relation to costs etc based on their conduct throughout.

I'm still keen to understand how people will know whether they're applied for validation orders to the FCA or not.

 

[PJSMITH1980]

It's also interesting that my recent communication in the last week came directly from Ethica and not Trethowans. First time it's not been sent from Trethowans themselves

 

[MrO666]

I'd like to think they're trying to untangle themselves from this, but it's far too early to determine that.

The telling point will be who actually applies for any validation orders, Trethowans or West 28.

 

[strawberry]

It's also interesting that my recent communication in the last week came directly from Ethica and not Trethowans. First time it's not been sent from Trethowans themselves

probably had enough of their Trustpilot reviews going doooooooooooooooooooooooooooown

 

[MrO666]

Am I correct in thinking that the FCA instructed Ethica to send communications to every single person they're been chasing for money explaining that there is no legal obligation to pay, by 12pm November 12th (tomorrow) ?

Wonder if that's via email or snail mail.

 

[shampoo]

I've still not received my apology from Ethica ... lets see what tomorrow brings. 😂

On a more positive note the FCA have responded to my latest round of emails ... reassuring a human is dealing with it and directing my/our concerns to appropriate teams!

 

[kanwaldsingh]

Hi, need some help and advice. I received the same demands from Trethowans dated 28th Oct and prior to that in September. I had responded to the September letter with a terse response that the claim was not valid. I found it interesting that both demands went to separate addresses.

Appreciate its not legal speak i am seeking here but I have seen a range of responses from the audience here. My plan is to write back disputing the claim again and I will be requesting details of their claims. Has anyone responded in the proforma Trethowans had included in the pack they sent?

Thanks for any guidance and insight.