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Previously on "Things about to get very serious and much more real? / Felicitas Letters"

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  • Fred Bloggs
    replied
    Originally posted by eek View Post

    I was keeping out as I really had nothing to say. All I saw is that Sporty has gone about rejecting the Statutory Demand in a more formal (so more expensive) way than others (and I would) have done so. I would however suspect and grant that he is now at the very bottom of Felicitas's list of people to chase further.

    The question really comes down will Felicitas

    1) actually take people to court (outside of Statutory Demands that were not objected to)
    or
    2) they just continue to send threatening emails (carefully misrepresenting any Statutory Demand / Bankruptcy court cases as something else) - in the hope that people will give up and give them money.
    Option one is unlikely to happen because of cost and the number of cases.

    I would hope that option two has very limited chances of getting very far. After all, you can only do this a very small number of times before it becomes intimidation. There's laws against such behaviour.

    Leave a comment:


  • eek
    replied
    Originally posted by DealorNoDeal View Post
    It would be interesting to know what eek makes of this.

    He's had a pretty good grasp of it all right from the beginning, and he's one of very few here whose credentials can be 100% vouched for and no hidden agenda/ulterior motives.
    I was keeping out as I really had nothing to say. All I saw is that Sporty has gone about rejecting the Statutory Demand in a more formal (so more expensive) way than others (and I would) have done so. I would however suspect and grant that he is now at the very bottom of Felicitas's list of people to chase further.

    The question really comes down will Felicitas

    1) actually take people to court (outside of Statutory Demands that were not objected to)
    or
    2) they just continue to send threatening emails (carefully misrepresenting any Statutory Demand / Bankruptcy court cases as something else) - in the hope that people will give up and give them money.

    Leave a comment:


  • Fred Bloggs
    replied
    I like that this thread exists in the public domain. Without CUK and this thread, the claimants may well have had significant success. The value of this and other similar threads is almost immeasurable against what might have been. I expect the people behind this are actually losing money on their "investment". And that's a very good thing. There's bound to be several more of these claims waiting and watching on the sidelines before going down the same route of calling loans in.

    Leave a comment:


  • DealorNoDeal
    replied
    It would be interesting to know what eek makes of this.

    He's had a pretty good grasp of it all right from the beginning, and he's one of very few here whose credentials can be 100% vouched for and no hidden agenda/ulterior motives.

    Leave a comment:


  • GregRickshaw
    replied
    [QUOTE=happychap;n4161331]
    Originally posted by GregRickshaw View Post


    We owe somebody something as we took out loans from somebody, just who that is right now is the unclear part.

    Wow! Greg - you seem eager to pay more money to someone else...
    Believe me I am not eager to pay money to anyone ever! As stated in my very first post I have settled 'for me this ends now'

    I just think this denial of loans has become futile.

    Now though just who has the legal right to collect then that is of course the question here and has been from the very start.

    Leave a comment:


  • happychap
    replied
    [QUOTE=GregRickshaw;n4161266]


    We owe somebody something as we took out loans from somebody, just who that is right now is the unclear part.

    Wow! Greg - you seem eager to pay more money to someone else...

    Leave a comment:


  • WJK
    replied
    Originally posted by GregRickshaw View Post

    I am not sure this is any different to having the SD set aside is it? Forgive me if I am wrong.

    I can't really see capitulation here, unless I am missing the legalise of this. Have they attempted to take you to court (aside from the SD)?

    They have agreed to give up chasing you by this action?


    If you initially disagreed/disputed FS claim then an SD cannot be issued, I suspect therefore your solicitor has managed to have the SD set aside so not so sure you in the clear?

    Leave a comment:


  • GregRickshaw
    replied
    Originally posted by Sporty View Post

    I am no legal expert but the way I am seeing this is when my solicitor set my SD aside they also put in an application for a court hearing.
    With the consent order signed by both parties Solicitors the SD will now be withdrawn by Felicitas, I will withdraw the court hearing date and no party will pay any costs to each other, this is case closed in my view as Felicitas have backed down by withdrawing the SD.

    Hopefully that means that this will be the end of it for me because if they try and do something like this in the future then I have all the legal letters and documents saying that they have agreed to withdraw the SD which says to me they definitely don't think they will win this case if it goes to court and it could cost them a lot of money.
    Felicitas are trying to scare and threaten people to pay up even if its 5% of what they supposedly owe, think about it if 100 people pay £3000 that's £300,000 and they have probably sent thousands of letters out.

    My solicitor has been speaking to a proper Solicitor from Felicitas regarding this not Gladstone's or Statutory Law who we received our SD from so that definitely tells me something.

    All I can say is don't give up and don't pay Felicitas a penny we owe them nothing, they are after a quick and easy payday. If they were so sure we all owe these loans they would be taking us all to court not offering us to pay a small percentage back.

    Be safe all and don't give up there is light at the end of the tunnel.
    I really hope you are correct, though I really suspect they have done nothing more than set aside the SD.

    I have an awful feeling you and your solicitor have done nothing more than stop the SD. Interesting to hear your solicitor is speaking with a proper solicitor at the other end, this is progress as I don't think anyone has got this far.

    We owe somebody something as we took out loans from somebody, just who that is right now is the unclear part.

    Leave a comment:


  • Sporty
    replied
    Originally posted by GregRickshaw View Post

    I am not sure this is any different to having the SD set aside is it? Forgive me if I am wrong.

    I can't really see capitulation here, unless I am missing the legalise of this. Have they attempted to take you to court (aside from the SD)?

    They have agreed to give up chasing you by this action?


    I am no legal expert but the way I am seeing this is when my solicitor set my SD aside they also put in an application for a court hearing.
    With the consent order signed by both parties Solicitors the SD will now be withdrawn by Felicitas, I will withdraw the court hearing date and no party will pay any costs to each other, this is case closed in my view as Felicitas have backed down by withdrawing the SD.

    Hopefully that means that this will be the end of it for me because if they try and do something like this in the future then I have all the legal letters and documents saying that they have agreed to withdraw the SD which says to me they definitely don't think they will win this case if it goes to court and it could cost them a lot of money.
    Felicitas are trying to scare and threaten people to pay up even if its 5% of what they supposedly owe, think about it if 100 people pay £3000 that's £300,000 and they have probably sent thousands of letters out.

    My solicitor has been speaking to a proper Solicitor from Felicitas regarding this not Gladstone's or Statutory Law who we received our SD from so that definitely tells me something.

    All I can say is don't give up and don't pay Felicitas a penny we owe them nothing, they are after a quick and easy payday. If they were so sure we all owe these loans they would be taking us all to court not offering us to pay a small percentage back.

    Be safe all and don't give up there is light at the end of the tunnel.

    Leave a comment:


  • GregRickshaw
    replied
    Originally posted by Sporty View Post

    We have put in a Consent Order which has been agreed by both parties and sent to the court.
    Just received the below which was signed by both parties solicitors and legal document.

    By Consent it is ordered that:
    1. Felicitas Limited withdraws its Statutory Demand
    2. The Application of myself is withdrawn and the court hearing listed xxxxxx 2021 is vacated.
    3. There is no Order for costs.

    Hope this helps.
    I am not sure this is any different to having the SD set aside is it? Forgive me if I am wrong.

    I can't really see capitulation here, unless I am missing the legalise of this. Have they attempted to take you to court (aside from the SD)?

    They have agreed to give up chasing you by this action?



    Leave a comment:


  • DealorNoDeal
    replied
    Originally posted by Sporty View Post

    We have put in a Consent Order which has been agreed by both parties and sent to the court.
    Just received the below which was signed by both parties solicitors and legal document.

    By Consent it is ordered that:
    1. Felicitas Limited withdraws its Statutory Demand
    2. The Application of myself is withdrawn and the court hearing listed xxxxxx 2021 is vacated.
    3. There is no Order for costs.

    Hope this helps.
    That is a pretty telling capitulation by Felicitas. Basically, when push comes to shove (actually going to court), they throw the towel in.

    Well done!

    Leave a comment:


  • Sporty
    replied
    Originally posted by GregRickshaw View Post


    Not really sure what your solicitor has done for you?

    There are parts of your post which are interesting 'a no order' can you explain please?

    It seems your solicitor has helped you set aside your SD (which is the correct thing) however most have done this by disputing.

    The part which will intrigue us all is 'they are not pursuing the debt' Can you enlighten us a little more please?

    As to 'your' loan company taking your clients to court for any loan. Your loan company would see court as the very last action and debt can rumble along for years and years before hitting a court.



    We have put in a Consent Order which has been agreed by both parties and sent to the court.
    Just received the below which was signed by both parties solicitors and legal document.

    By Consent it is ordered that:
    1. Felicitas Limited withdraws its Statutory Demand
    2. The Application of myself is withdrawn and the court hearing listed xxxxxx 2021 is vacated.
    3. There is no Order for costs.

    Hope this helps.

    Leave a comment:


  • GregRickshaw
    replied
    Originally posted by Sporty View Post

    I have been through this whole process and paid my solicitor a few thousand now but well worth it tbh. I would rather pay a solicitor than pay Felicitas anything as I owe them nothing!
    Don't get me wrong this has been a very stressful time.
    Felicitas solicitor have sent me several letters asking for a no order which means no party will pay for each others costs, we ignored the first letter and thought we will just go to court in June. They sent a second letter a month later with a few threats that someone has already had to pay there costs etc, the usual from Felicitas. These people really don't want to go to court so just keep on and ignore all there threats.
    Now If someone owed me a Loan of thousands of pounds then I would definitely be taking the person to court to pay up but they know they haven't got a leg to stand on if it did go to court so they are backing down as soon as there's a chance this could go to court and obviously they don't want all the costs legal fees that they could incur.
    Don't get me wrong I would love to go to court but was advised by my solicitor that Felicitas have agreed to put this statutory demand aside and the judge may award Felicitas costs as they have agreed to put it aside so not worth the risk at all I will just take the hit on my legal costs. Felicitas have agreed to go halves on the costs for the consent order we need to put in through the courts.
    My solicitor has also said this now puts me in a very strong position for the future should they sell on the debt or try something else like this as they have agreed to put the statutory demand aside and they are not pursuing the debt I apparently owe!
    Should this raise its ugly head again in the future the courts will have to act and deal with Felicitas or whom ever, but hopefully this will be the end of it for me.
    My advise is definitely get a solicitor to deal with Felicitas it may cost a bit but money well spent in my view.
    Good luck to you all there is light at the end of the tunnel.

    Not really sure what your solicitor has done for you?

    There are parts of your post which are interesting 'a no order' can you explain please?

    It seems your solicitor has helped you set aside your SD (which is the correct thing) however most have done this by disputing.

    The part which will intrigue us all is 'they are not pursuing the debt' Can you enlighten us a little more please?

    As to 'your' loan company taking your clients to court for any loan. Your loan company would see court as the very last action and debt can rumble along for years and years before hitting a court.




    Leave a comment:


  • Sporty
    replied
    Originally posted by eek View Post

    But they haven’t yet done the one thing that would ensure people pay up - which is taking someone to court, arguing that money is owed and the court agreeing with Felicitas.

    yes I know they claim to be doing that with their Statutory instrument cases but that isn’t true and we should have killed that risk off for everyone who reads this forum and did what we told people to do.
    I have been through this whole process and paid my solicitor a few thousand now but well worth it tbh. I would rather pay a solicitor than pay Felicitas anything as I owe them nothing!
    Don't get me wrong this has been a very stressful time.
    Felicitas solicitor have sent me several letters asking for a no order which means no party will pay for each others costs, we ignored the first letter and thought we will just go to court in June. They sent a second letter a month later with a few threats that someone has already had to pay there costs etc, the usual from Felicitas. These people really don't want to go to court so just keep on and ignore all there threats.
    Now If someone owed me a Loan of thousands of pounds then I would definitely be taking the person to court to pay up but they know they haven't got a leg to stand on if it did go to court so they are backing down as soon as there's a chance this could go to court and obviously they don't want all the costs legal fees that they could incur.
    Don't get me wrong I would love to go to court but was advised by my solicitor that Felicitas have agreed to put this statutory demand aside and the judge may award Felicitas costs as they have agreed to put it aside so not worth the risk at all I will just take the hit on my legal costs. Felicitas have agreed to go halves on the costs for the consent order we need to put in through the courts.
    My solicitor has also said this now puts me in a very strong position for the future should they sell on the debt or try something else like this as they have agreed to put the statutory demand aside and they are not pursuing the debt I apparently owe!
    Should this raise its ugly head again in the future the courts will have to act and deal with Felicitas or whom ever, but hopefully this will be the end of it for me.
    My advise is definitely get a solicitor to deal with Felicitas it may cost a bit but money well spent in my view.
    Good luck to you all there is light at the end of the tunnel.

    Leave a comment:


  • Superfly
    replied
    Originally posted by eek View Post

    Yep the loan charge judicial review group are real but I'm not sure how much help they will be here

    Reality is if yoh received and disputed the statutory demand it's up to Felicitas to make their next move (which probably won't be more than letters and emails as anything else costs REAL money)
    It's not just cost, it also depends on whether Felicitas believe they have a valid case or claim. Because of the dubious nature of these schemes, taking someone to court is a double-edged sword for Felicitas and they themselves could end up being in the firing line when many of the unsavoury details of the whole saga could come out in a court of law, where things do not stack up (eg. chronology shows that payment could not have been made from the alleged trust) and correspondence is produced which goes against Felicitas's testimony of the alleged loan being repayable. That's even before the alleged transfer of the alleged trusts is scrutinised.

    I have said this from the start and I stand by it. This will never get to a court of law. They could take someone to court for other reasons and misrepresent it like they are doing already.
    Last edited by Contractor UK; 6 May 2021, 12:58.

    Leave a comment:

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