I am glad it is helping you, the more people that pursue IFA the less IFA will do this sort of thing. I hope you get your money back

Thank you for this information. I am happy to email him and have done so. The more people we can make aware of the FSCS and WCFS ltd link the better.

The more that are after wcfs the better

Thank you. I have put in a claim with fSCS against Wellington court and I also complained to the Irish regulator last year. Fingers crossed we will finally have an end to this nightmare

Can you still put in N322a part 8 now that uk branch is closed?

Thank you @Andyorch I am understanding it better now. To onfirm I would not be able to issue another N322a form or N322b At £47 I would have to pay 5% of amount claiming via a tribunal I think.

@AndyorchIf I did 3.1 In the whole picture of things as in eventually... It means I have to go through everything with the evidence I have from day dot through the courts? If so what is the FOS decision for, I might of well done the courts in the first place? I need to have all the details of what will happen and the full process etc as I still don't understand. Their skeleton argument is what they will use for evidence etc and that WCFS are being framed as their defence and that they can challenge the Fos decision through th courts. Mine is FOS decision. Also I thought FOS could only be challenged via JR. Is that not correct? As far as I know it is correct.

Thank you. I think understand now. So 3.1 is disagreeing that the CCJ should not be set aside and why I believe that. If I do 3.2 then that is end of it and im back to FOS decision again. Can I do another CCJ at a later date?

Yes I know. I said "but I just need to know what doing 3.2 means in a whole." What I meant was where do I stand after I withdraw. I forgot you read the skelton argument.

Yes I get that. I mean. How do I stand afterwards. Have you read their Skelton argument? The solicitor I saw today said I can't argue that they would have to do a judicial review as it should of been done at set aside hearing. I did not know this. I was happy to proceed on the basis that FOS stands and need JR to object but not where I have to prove it all again.

So once I do this what does it mean. I know I probably sound stupid but I just need to know what doing 3.2 means in a whole.

All I get from my FOS (when they can actually be bothered to answer) is once claim decision is accepted that's FOS done and the rest (including enforcement) is upto me. I also get seek your own legal advice. As if I can afford it. They are 100% useless. I believe that WCFS have NO insurance and that as they are claiming fraud their insurance company would not cover them anyway. It is mega frustrating

@Jcb2007 no claim filed. Was told i couldn't as I have claimed here and won with FOS

@Andyorch if I withdraw I still have the FOS decision but can not enforce it. Correct? Seeing as she is not in UK now even if I won I would then have to go to Irish courts to enforce it. She clearly can not pay which is why she has Come up with her lies. I would end up with a court order and a lot of costs and mega stress to still be unable to enforce it. Then I believe when I finally get to the end of the road she will close her business and then as they are ltd company I would have no payment. It is a no win case as I will never get WCFS to pay. I just hope FSCS will eventually cover the loses that WCFS have made. This is why I want the FOS decision to stand as I will need it for the FSCS in the future. I hope. How do I withdraw? What do I put to make sure all is OK.

As far as I'm aware it is trading but it would be so uch easier if she would shut shop.