The scenario with the alleged liability to Felicitas is a difficult one but by waiting until close to the deadline you have already limited your options.
The claimed deadline is only relevant if you believe that those behind the demands are serious about enforcing them and have the required proof that you owe them money.
If you think the answer to either of those questions is "no", then do nothing because they will not or cannot touch you.
If you think the answer to either of those questions is "yes", by leaving it late, you either need to get some fast answers or take a chance.
No adviser who has clients already engaged and a strategy, is going to come on here and explain it. That said you do not need to be a genius to understand the options.
1. Ignore everything and hope it goes away.
2. Engage with Felicitas without admitting liability and establish what evidence they may (or may not) have: evaluate that evidence: perhaps get advice: make a decision to:
3. Resist all claims backed by a sound analysis and knowing what you may face in a Court in terms of papers etc*
4. settle all claims either on what is being offered now, or make a counter offer.
Option 1 is not a strategy. Doubling down on that by making public or private derogatory comments is also unlikely to help. (I will be clear here that threats of a personal nature directed at individuals are unacceptable).
Option 2 is sensible but it's now too late.
Option 3 can still happen if your analysis is lacking. If you do not wish to use option 4, then you need to contact Felicitas and tell them that you do not acknowledge a debt. Then you need to educate yourself or appoint an agent.
Option 4 is entirely possible but is your choice.
So really your options are to do something - preferably today - around 3 or 4 above.
The claimed deadline is only relevant if you believe that those behind the demands are serious about enforcing them and have the required proof that you owe them money.
If you think the answer to either of those questions is "no", then do nothing because they will not or cannot touch you.
If you think the answer to either of those questions is "yes", by leaving it late, you either need to get some fast answers or take a chance.
No adviser who has clients already engaged and a strategy, is going to come on here and explain it. That said you do not need to be a genius to understand the options.
1. Ignore everything and hope it goes away.
2. Engage with Felicitas without admitting liability and establish what evidence they may (or may not) have: evaluate that evidence: perhaps get advice: make a decision to:
3. Resist all claims backed by a sound analysis and knowing what you may face in a Court in terms of papers etc*
4. settle all claims either on what is being offered now, or make a counter offer.
Option 1 is not a strategy. Doubling down on that by making public or private derogatory comments is also unlikely to help. (I will be clear here that threats of a personal nature directed at individuals are unacceptable).
Option 2 is sensible but it's now too late.
Option 3 can still happen if your analysis is lacking. If you do not wish to use option 4, then you need to contact Felicitas and tell them that you do not acknowledge a debt. Then you need to educate yourself or appoint an agent.
Option 4 is entirely possible but is your choice.
So really your options are to do something - preferably today - around 3 or 4 above.
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