IQ Consultants, Felicitas Solutions, ECS Trustees - loan repayment demands IQ Consultants, Felicitas Solutions, ECS Trustees - loan repayment demands - Page 120
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  1. #1191

    Nervous Newbie


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    I have been watching this forum since receiving the first letter and want to thank you all for the contributions. This forum is keeping me, believe it or not, marginally sane at the moment.

    I was with Darwin in 2011 and briefly in 2012 (loan was under 100K but now with interests together is slightly above 100k), and have not received a write off email or a 5% offer, so I am not sure if they have gone by type of the scheme. I don't have a copy of the loan agreements unfortunately ( that is pretty daft, I know!), but understand they were 4% annually.

  2. #1192

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    Default In response to standup

    Quote Originally Posted by standup View Post
    I have been watching this forum since receiving the first letter and want to thank you all for the contributions. This forum is keeping me, believe it or not, marginally sane at the moment.

    I was with Darwin in 2011 and briefly in 2012 (loan was under 100K but now with interests together is slightly above 100k), and have not received a write off email or a 5% offer, so I am not sure if they have gone by type of the scheme. I don't have a copy of the loan agreements unfortunately ( that is pretty daft, I know!), but understand they were 4% annually.
    I am in a very similar position to you and along with a great many others I have joined the WTT group. WTT have an enormous amount of knowledge and data relating to this matter.

    There is strength in numbers. Continue to stay sane.

  3. #1193

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    Quote Originally Posted by SavUK2020s View Post
    Dear All,

    Thank You all so much for sharing all ur experience with all these different firms regards so called Loans

    My story is very close to ur stories
    Its felicitas In malta

    Send me an offer settlement to py only 5% to pay it all off

    See email below ,

    <sniped>
    Thank you all
    If I were you I'd edit your post and delete the Felicitas link, when you click on it, the URL changes to include a gmail address, yours I guess.

  4. #1194

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    Quote Originally Posted by MrO666 View Post
    I'm assuming you supplied all the bank statements in question when you reached the original settlement with HMRC though, or did they not request them ? I know when I settled (via my tax adviser) they asked for copies of my bank statements before agreeing the numbers. If they started asking questions again now, I'd tell them where to go. They had everything they requested in order to reach a settlement in the first place and before issuing determination notices under Section 54 of the TMA.

    Out of interest, which scheme were you using throughout the period in question ?
    Sanzar and AML .. yes all original bank statements were provided as hmrc required these to agree on settlement finalised figure ... The issue is far too many offices we’re dealing individually with my sanzar and aml open enquiries they got themselves in a pickle evidently ! As you notice the letters you receive from hmrc are not even addressed personally to you .. just an automatic generated letter without checking the fat facts before they are sent out ..
    I was really piss&d off as I played ball at the very beginning with hmrc ... never realised how ruthless they can be ..

  5. #1195

    More time posting than coding

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    Quote Originally Posted by Golddustz1 View Post
    Sanzar and AML .. yes all original bank statements were provided as hmrc required these to agree on settlement finalised figure ... The issue is far too many offices we’re dealing individually with my sanzar and aml open enquiries they got themselves in a pickle evidently ! As you notice the letters you receive from hmrc are not even addressed personally to you .. just an automatic generated letter without checking the fat facts before they are sent out ..
    I was really piss&d off as I played ball ������ at the very beginning with hmrc ... never realised how ruthless they can be ..
    Not sure what you mean about letters not being addressed personally. Every correspondence I ever received from HMRC regarding scheme usage was very much addressed to me personally and referenced the scheme (sanzar) I had used. Of course there were the generic parts in it, but it was tailored directly at me.

    I spoke with my tax adviser yesterday about a different issue and bought this up. His view was that in order for HMRC to come back for another bite after issuing either a closure notice or a determination, would only ever happen if they have very strong evidence that the numbers agreed were entirely wrong. Even then, his view was that they would need to officially reopen the enquiry/determination/assessment etc before they could request any information from the taxpapyer. Basically, they can't just send letters asking for information relating to a tax enquiry that's closed.

    His view was that he would push HMRC to explain exactly why they are requesting this information which has already been supplied to them once, years after the issue was resolved, and if they have reason to now question the settlement, then they need to share that information openly.

    For what it's worth, I would NEVER....and i mean NEVER engage directly with HMRC regarding anything. I've always used a registered tax adviser to deal with them. In my opinion HMRC case workers are far less likely to try it on with a tax specialist then with the individual tax payer. HMRC know that the veiled threats which they outline in their letters carry zero weight with an adviser, and they know that the advisers understand tax laws and process as well as HMRC do, and in some cases even better. Equally, they know that any evidence that is given to HMRC has also been reviewed by the tax adviser too.

  6. #1196

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    Default Fiscus Bank Account as the recipient of Felicitas settlements

    Quote Originally Posted by Wtaf View Post
    The bank details that the scum wanted us to send our cash to is Fiscus Management Ltd. If you check on companies House it shows it as previously being DOR and Infinity Contracts. Infinity was IQ contracts. Andrews address is shown as being in Corby (I looked at streetview, the extortion business can't be doing that well). So if fiscus is where you have to send money for said loan, should they be FCA authorised since they are based in England?
    Could you share how you know that bank account for payment is Fiscus Management (Andrew Thompson)

  7. #1197

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    Quote Originally Posted by Old Chap View Post
    Could you share how you know that bank account for payment is Fiscus Management (Andrew Thompson)
    It states Fiscus Management on the settlement email and then when you check who Fiscus Management are on Companies House it states the creator and only person of this account is Andrew William Thompson. It also shows that Fiscus was previously known as DOR resolution Ltd to which he was up to these same tactics. DOR was being questioned as the new THL at the time.

  8. #1198

    Contractor Among Contractors

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    Quote Originally Posted by MrO666 View Post
    Not sure what you mean about letters not being addressed personally. Every correspondence I ever received from HMRC regarding scheme usage was very much addressed to me personally and referenced the scheme (sanzar) I had used. Of course there were the generic parts in it, but it was tailored directly at me.

    I spoke with my tax adviser yesterday about a different issue and bought this up. His view was that in order for HMRC to come back for another bite after issuing either a closure notice or a determination, would only ever happen if they have very strong evidence that the numbers agreed were entirely wrong. Even then, his view was that they would need to officially reopen the enquiry/determination/assessment etc before they could request any information from the taxpapyer. Basically, they can't just send letters asking for information relating to a tax enquiry that's closed.

    His view was that he would push HMRC to explain exactly why they are requesting this information which has already been supplied to them once, years after the issue was resolved, and if they have reason to now question the settlement, then they need to share that information openly.

    For what it's worth, I would NEVER....and i mean NEVER engage directly with HMRC regarding anything. I've always used a registered tax adviser to deal with them. In my opinion HMRC case workers are far less likely to try it on with a tax specialist then with the individual tax payer. HMRC know that the veiled threats which they outline in their letters carry zero weight with an adviser, and they know that the advisers understand tax laws and process as well as HMRC do, and in some cases even better. Equally, they know that any evidence that is given to HMRC has also been reviewed by the tax adviser too.
    I've seen numerous cases, over the years, of HMRC trying it on with individual scheme users.

    An alternative to using a tax advisor, or accountant, is to complain to your Member of Parliament. Even the threat, of complaining to your MP, is often enough to get HMRC to back off.
    Scoots still says that Apr 2020 didn't mark the start of a new stock bull market.

  9. #1199

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    Quote Originally Posted by Wtaf View Post
    It states Fiscus Management on the settlement email and then when you check who Fiscus Management are on Companies House it states the creator and only person of this account is Andrew William Thompson. It also shows that Fiscus was previously known as DOR resolution Ltd to which he was up to these same tactics. DOR was being questioned as the new THL at the time.
    It seems these numerous attempts to con hard working contractors to part with their money (including the original so-called umbrella companies that received a percentage of our earnings to deliver nothing other than years of HMRC hassle and avoidable interest) may all be driven by Andrew Thompson. As Mr Thompson is also a director of Winchester (who were connected to Darwin), IQ and DOR and now we see that any money paid in response to the Felicitas demands actually goes into his Fiscus bank account.

  10. #1200

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    Quote Originally Posted by Sick of it View Post
    It seems these numerous attempts to con hard working contractors to part with their money (including the original so-called umbrella companies that received a percentage of our earnings to deliver nothing other than years of HMRC hassle and avoidable interest) may all be driven by Andrew Thompson. As Mr Thompson is also a director of Winchester (who were connected to Darwin), IQ and DOR and now we see that any money paid in response to the Felicitas demands actually goes into his Fiscus bank account.
    Exactly and the argument I've posed to my MP (seriously EVERYONE write to yours detailing the evidence on this thread, etc) is these scumbags (please don't address him as Mr, it shows common decency), created this mess and now they are profiting off it? I think they've made a mistake, they've gotten too confident and thought their money could shield them. Epstein probably thought that too. Tick tok old man...

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