West 28th Street Limited

[Wtaf]

By 12pm on 12 November 2026, the Firm must write to every Relevant Individual to whom a Letter of Claim or other pre-action communication seeking payment has been issued. This includes any Relevant Individual to whom the Firm, West 28 or any person acting in connection with the servicing or recovery of the Relevant Agreements has, since 2 July 2026, issued a communication which requested, encouraged or implied that payment should be made. For the avoidance of doubt, the Firm must submit the proposed communication to the Authority in advance of issue. The Firm must not issue, or cause or permit to be issued on its behalf, the communication unless and until the Authority has confirmed in writing that it does not object to its form and content. The communication issued must be in the same form and contain the same content as the version in respect of which the Authority has confirmed its non-objection.

Were we expected to receive this by today or them submitting to FCA "in advance of issue"?

I let the FCA know that they hadn't written to me yet.

 

[Wtaf]

In the interests of clarity, can someone who has complained to the FCA (and had communications with them), perhaps put a few lines together to explain to others exactly what the process is.

I don't know whether people are raising complaints against Ethica specifically (as they're FCA regulated), or a wider thing in general regarding the prospects of "someone" submitting Validation Orders.

Either way, I think it might be helpful for those who have done so to share the process ?

My complaint included all the players past and present.

 

[Superfly]

I let the FCA know that they hadn't written to me yet.

I think maybe being the cheapskates that they are, Ethica have only emailed people who they have email addresses of to save on a stamp. Would be interested to know if anyone received a snail-mail letter from Ethica for the 12th November deadline in paper.

 

[GroundHog]

Another Contractor UK article...

Show Me The Loan: why ‘chose in action’ gives contractors with loan recall demands grounds to push back

 

[DFYNTREBL]

I think maybe being the cheapskates that they are, Ethica have only emailed people who they have email addresses of to save on a stamp. Would be interested to know if anyone received a snail-mail letter from Ethica for the 12th November deadline in paper.

I have not a received letter "yet" but I have informed the FCA that I did not receive their letter as of 12-11-2026 as per the FCA's requirements.

I am hoping that the FCA will see what it has been like for us as dealing with all these companies and hopefully do the right thing and help us to end this absolute nonsense... once and for all!!!

None of these companies are co-operating or communicating as they should be... they all seem to be playing games and working in grey areas of the law hoping to trick, scare and harass people into paying...

I am absolutely gob-smacked at how this type of behaviour has been allowed to go on and get this far... but yet here we are 2026 still dealing with this rubbish!!

I don't know what cards West 28, Ethica and Trethowans have up their sleeves... but it better be a Royal Flush cos we are not going down without a fight!!!

 

[clause out]

About time our hosts, Wild West 28th Street, were catapulted into the Limelight.

David 1
Goliath 0

 

[clause out]

I'm wondering if anyone else has calculated what their old payroll company ended up owing them.

I had 3 digit sum per week deducted from my salary by the payroll processor to cover taxes.

Turned out the payroll processor took it. My accountant discovered that neither my NI or HMRC duties had been covered for the time i had been contracted.

I am owed a 4 figure sum from 10 years ago from the original payroll company. That's without interest.

 

[Monkeypower]

Another Contractor UK article...

Show Me The Loan: why ‘chose in action’ gives contractors with loan recall demands grounds to push back

Really good article and is exactly what we are all asking for !

 

[MrO666]

So I have this morning seen yet another boiler plate response to someone from Trethowans via email.

It's more or less the same email they had sent to the same person previously, and once again continues to ignore 95% of the issues, requests or questions, and just tells them to contact West 28th to obtain copies of documents.

There is absolutely no way that Trethowans behaviour would be seen in court as anything other than evasive, dismissive and quite frankly obstructive.

I don't know, but I am becoming more convinced that Trethowans are nothing more than a letterhead in this whole process, and that they're not actually doing anything at all. If this went to court and Trethowans were involved, they're going to have absolutely no option than to try and defend their behaviour, which is going to be very difficult to do based on the volume of damning communications and evidence people have with regards to how Trethowans have treated them.

The person involved that I've spoken to this morning has compiled all the letters, emails and subsequent disputes and has stated that they are going to ask a solicitor now to review and if appropriate raise a formal complaint to the SRA specifically in relation to "Taking unfair advantage or breaching SRA codes/principles".

I guess what's making me wonder here, is that Trethowans, who have historically been seen as a fairly decent middle of the road law firm (lets be honest, they're not Clifford Chance) are acting in such a poor manner in relation to this issue, that it just doesn't add up, there must be a reason for it.

 

[lillybean]

I

So I have this morning seen yet another boiler plate response to someone from Trethowans via email.

It's more or less the same email they had sent to the same person previously, and once again continues to ignore 95% of the issues, requests or questions, and just tells them to contact West 28th to obtain copies of documents.

There's is absolutely no way that Trethowans behaviour would be seen in court as anything other than evasive, dismissive and quite frankly obstructive.

I don't know, but I am becoming more convinced that Trethowans are nothing more than a letterhead in this whole process, and that they're not actually doing anything at all. If this went to court and Trethowans were involved, they're going to have absolutely no option than to try and defend their behaviour, which is going to be very difficult to do based on the volume of damning communications and evidence people have with regards to how Trethowans have treated them.

The person involved that I've spoken to this morning has compiled all the letters, emails and subsequent disputes and has stated that they are going to ask a solicitor now to review and if appropriate raise a formal complaint to the SRA specifically in relation to "Taking unfair advantage or breaching SRA codes/principles".

I guess what's making me wonder here, is that Trethowans, who have historically been seen as a fairly decent middle of the road law firm (lets be honest, they're not Clifford Chance) are acting in such a poor manner in relation to this issue, that it just doesn't add up, there must be a reason for it.

I agree, and I doubt very much that Trethowans are preparing and checking the statements, just adding their letterhead. So who is? That's alot of checking and photocopying.