IQ Consultants, Felicitas Solutions, ECS Trustees - loan repayment demands IQ Consultants, Felicitas Solutions, ECS Trustees - loan repayment demands - Page 77
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  1. #761

    Nervous Newbie


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    Default Felicitas Demands

    Good day all.
    I have received a few private requests for help and would like to make it clear that whilst I will try and give as much information on my personnel circumstances, cannot and will not divulge any private information such as phone number, address or e mail account,
    That being said here is my situation,
    I used Darwin for and 11 month period from May 2010 until March 2011.
    In October 2013 I received a letter from HMRC stating that I had used a tax avoidance scheme with Darwin Pay and they issued me a very hefty tax demand. I actually called a number in the Isle of Man which I googled as all previous numbers on my contacts were dead. A lady on the other end informed me that Darwin had ceased trading but there directors were now tax advisors and for a sum could help me(poachers turned gamekeepers)
    I settled with HMRC as Darwin had in fact been dissolved in September 2013 so probably gave my information to HMRC as a final parting gift????
    All was well until THL contacted me in February 13th 2019 chasing the loan and they eventually folded and gave up.
    Exactly a year later to the day this other scum Felictas have come to me for exactly the same amount to the penny.
    My actions to date
    1.Asked them for a copy of my loan agreement as cannot even remember signing one.(no reply as yet)
    2 Requested a confirmation that all loans were supplied directly to me from Darwin and not my Agent at the time for services supplied(no reply as yet)
    3.Complained to HMRC,MP,Financial Ombudsman both in UK and Isle Of Man.
    4.My bank has supplied every payment from Darwin and that along with the P11d for that period allowed me to calculate total amount and what they deemed as loans which bears no resemblance to the amount that Felicitas and THL have claimed.
    5.Contacted National Debt Line Freephone 08088084000 who quoted Limitation Act of 1980 when the law deemed certain debts and loans excluding mortgages time barred to 6 years and as my last Darwin disguised remuneration payment as I refuse to call it a loan,was March 2011(nearly 9 years)I believe these sewer rats have run out of time.
    I am however in a position to if necessary take this all the way to court as my agent at the time has confirmed that
    the payments were made by them as my salary for services.
    I hope this helps but please no more private messages

  2. #762

    Some things in Moderation

    cojak's Avatar
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    You can turn PMs off in your Control Panel > General Settings, Zander.
    "I can put any old tat in my sig, put quotes around it and attribute to someone of whom I've heard, to make it sound true."
    - Voltaire/Benjamin Franklin/Anne Frank...

  3. #763

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    Default Need help,advice guidance how to deal with this!!!

    Quote Originally Posted by Zander View Post
    Good day all.
    I have received a few private requests for help and would like to make it clear that whilst I will try and give as much information on my personnel circumstances, cannot and will not divulge any private information such as phone number, address or e mail account,
    That being said here is my situation,
    I used Darwin for and 11 month period from May 2010 until March 2011.
    In October 2013 I received a letter from HMRC stating that I had used a tax avoidance scheme with Darwin Pay and they issued me a very hefty tax demand. I actually called a number in the Isle of Man which I googled as all previous numbers on my contacts were dead. A lady on the other end informed me that Darwin had ceased trading but there directors were now tax advisors and for a sum could help me(poachers turned gamekeepers)
    I settled with HMRC as Darwin had in fact been dissolved in September 2013 so probably gave my information to HMRC as a final parting gift????
    All was well until THL contacted me in February 13th 2019 chasing the loan and they eventually folded and gave up.
    Exactly a year later to the day this other scum Felictas have come to me for exactly the same amount to the penny.
    My actions to date
    1.Asked them for a copy of my loan agreement as cannot even remember signing one.(no reply as yet)
    2 Requested a confirmation that all loans were supplied directly to me from Darwin and not my Agent at the time for services supplied(no reply as yet)
    3.Complained to HMRC,MP,Financial Ombudsman both in UK and Isle Of Man.
    4.My bank has supplied every payment from Darwin and that along with the P11d for that period allowed me to calculate total amount and what they deemed as loans which bears no resemblance to the amount that Felicitas and THL have claimed.
    5.Contacted National Debt Line Freephone 08088084000 who quoted Limitation Act of 1980 when the law deemed certain debts and loans excluding mortgages time barred to 6 years and as my last Darwin disguised remuneration payment as I refuse to call it a loan,was March 2011(nearly 9 years)I believe these sewer rats have run out of time.
    I am however in a position to if necessary take this all the way to court as my agent at the time has confirmed that
    the payments were made by them as my salary for services.
    I hope this helps but please no more private messages
    Thanks for this very helpful I have an telephone appt with WTT next week, have also emailed ETCTAX to chat further I cannot find my loan agreement with IQ. Just wanted to know if anyone can answer, my accountant said if you have settled with HMRC as disguises remuneration then it does not become a loan is that correct? Also these so called loans are not secured right? They cannot take your assets off you like your roof over your head? Apologies if these questions seem silly but I don’t know much about this field just panicking right now. Thanks T

  4. #764

    Fingers like lightning


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    Quote Originally Posted by TZ46 View Post
    Thanks for this very helpful I have an telephone appt with WTT next week, have also emailed ETCTAX to chat further I cannot find my loan agreement with IQ. Just wanted to know if anyone can answer, my accountant said if you have settled with HMRC as disguises remuneration then it does not become a loan is that correct? Also these so called loans are not secured right? They cannot take your assets off you like your roof over your head? Apologies if these questions seem silly but I don’t know much about this field just panicking right now. Thanks T
    Have you read the thread? Your accountant is wrong, but that is not their fault. Its like asking your sparky to plumb in a new boiler. You need to listen to speak to a tax specialist, not your accountant.

    As to whether they are secured on any of your assets, thanks unlikely, but what did you sign?

  5. #765

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    Quote Originally Posted by Paralytic View Post
    Have you read the thread? Your accountant is wrong, but that is not their fault. Its like asking your sparky to plumb in a new boiler. You need to listen to speak to a tax specialist, not your accountant.

    As to whether they are secured on any of your assets, thanks unlikely, but what did you sign?
    Yes I know what you mean!!! Thanks.

    I’ve got a telephone call booked with WTT for next week let’s see what they can advise me, as for signing I would never have secured any assets on an agreement.

    Just want this to all go away now and move on with my life after my settlement with HMRC (if it’s not HMRC then it’s these rats).

    Thanks again T

  6. #766

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    Default Demand letter

    Hi all
    I am new to the forum.
    I worked through Infinity 2016-17 for about 8 months loan scheme.As soon as I knew this is not right.I spoke to HMRC and now in the process to settle tax for the period. awaiting letter from HMRC.Now last week I have received a demand letter from Felicitas to repay £17500 owed to Infinity.Infinity is no more in operation.I have now checked my documents and fortunately I found that I have not signed the original loan agreement which I received from IOM Infinity.I might have agreed over the phone.I do not recollect signing electronically either.I have the agreement letter with me but not signed or sent back to Infinity office IOM.Therefore is the loan agreement valid?Do I have to pay or settle with felicitas?
    What should be my response.?Do I just leave it
    What should I do?Could someone in the advice and help.

  7. #767

    Some things in Moderation

    cojak's Avatar
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    Please read the thread, the answers to your question are there.
    "I can put any old tat in my sig, put quotes around it and attribute to someone of whom I've heard, to make it sound true."
    - Voltaire/Benjamin Franklin/Anne Frank...

  8. #768

    Default Gladstone letter requesting Felicitas Solutions fake loans

    Quote Originally Posted by pnr8uk View Post
    Unfortunately a lot on here are getting mightily mixed up with what these letters actually are.

    They are debt collection letters, a debt non of us knew or know about.

    Treat them in the first instance as debts one does not know about, treat them exactly as if someone came to the front door asking for money one would simply ask for proof.

    Dispute the debt, this is totally free you don't need expensive solicitors at this stage for that. You are covered by FCA guidelines on debt dispute.
    IF and a big IF they come back with further letters claiming proof, the next step is to ask for;

    A SIGNED credit agreement (original copy)
    A SIGNED terms and conditions agreemnt
    A SIGNED payment amount, payment terms, loan duration.

    I see a lot of post about involving police, the police will have zero interest in theses cases these are civil disputes. Stick to financial authorities and legislators.

    Finally if we do go to court for proof of loan, with WTT or any advising barrister, G**sto** will need to prove we took out loans, what better defence can we all have than the Crown? If the Crown and HMRC have proved in a Crown Court these are not loans, and indeed changed the law accordingly, then good luck to any legal team trying to overturn HMRC's decisions.

    I am going to sign up to WTT for support, I too have excellent tax lawyers, however they are just that tax lawyers.

    Remember all this is not a resurrection of the loan charge this is a debt collection dispute of a loan.

    It looks as though we are all sticking together and sharing what we know. However, we are all in the same boat awaiting responses which I admit for some must be awful.

    STAY STRONG
    Hi all,

    I am in complete agreement, first of all that the money comes from us in the first place, paid to those so called Umbrella Companies with a 15% cut for them providing a services which we are getting hit on by HMRC anyway..
    Now they have the nerve to try and demand interest on a loan that, was our money in the first place and HMRC consider it as taxable income.

    Secondly you have well said as proven in a Crown court these are not loans, but a tax avoidance scheme,

    My letter from Gladstone’s lawyers received todaym they indicated that I will be prosecuted if I don’t return £25,600, by 28th of February, this is really hilarious that was my own of
    money, pay to Winchester Contractors umbrella entity And return to my account minus 15% cut Winchester Contractors retain.

    I will dispute the debt but I will report them to the regulator, they cannot go unpunished

    Keep tune more to come

    Regards

  9. #769

    Thumbs up Gladstone letter requesting loans on behalf of Felicity Solutionsrighfs

    Quote Originally Posted by MattWills78 View Post
    Hi TP.

    I spoke to Michal Perry (a really helpful accountant with significant experience in these matters) this morning, in his view:

    - dispute or ignore it
    - Felicitas have bought bad debt and are now employing Gladstones (Ambulance Chasers) to scare people into paying
    - unlikely to go to court and, if it did, they are highly unlikely to be successful as they would have to prove it was a loan
    - HMRC have already proven it’s income (disguised remuneration, not a loan) according to UK Law so have taken payment for the owed tax value as income tax
    - may still potentially be a future issue with HMRC for inheritance tax (if you were in an EBT scheme) but no action required on that unless HMRC contact you about it - in which case he is arranging a group response so cost to contest would be minimal.

    I also just spoke to Freeths who are fantastic. They echoed the points above and suggested I just dispute it. They do not believe they have a legal basis on which to claim payment of interest or capital given I can evidence the company that paid me the income (IQ Contracts LTD / disguised remuneration) have in fact already received the funds from the company I contracted for in return for the work I delivered - so they are not out of pocket and have done nothing that would suggest I have a debt to them.

    They advised just to respond disputing it and stating why you believe no debt is owed.

    Additionally even if it were a legitimate debt, by law Gladstone’s should be giving individuals more than 7 days to make the payment - on that basis (and for how they are acting / operating in general) I am reporting them to the Solicitors Regulatory Authority.

    I am also reporting Gladstone’s & Felicitas to the Financial Conduct Authority and to the Serious Fraud Office - suggest your guys do the same.

    Anyone else had legal advise on the situation yet?

    Best,

    Matt
    Hi Matt
    I am completely agreed with you, I got the same letter today from a Gladstone Solicitors acting on behalf of Felicitas Solutions, Considering that the money comes from us in the first place, paid to those so called Umbrella Companies with a 15% cut for them providing a services which we are getting hit on by HMRC anyway.. And now they have the nerve to try and demand interest on a loan that, was our money in the first place and HMRC consider it as taxable income.

    I never signed any loan agreement, credit facility need to have principal amount and the terms of the credit facility, all wire payments are done by swift and leave a electronic trace, so we can probe that it was our original income paid into the Winchester Contractors account, HRMC is correct is disguised income as such they are committing fraud, so this should not go unpunished

    I will report to the FCA consumer fraud and the Serious Fraud Office, to have all of them investigated including Gladstone for representing a fraud scheme company, Felicitas Solutions

    Best regards
    Alice

  10. #770

    Nervous Newbie


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    Quote Originally Posted by awad View Post
    Hi all
    I am new to the forum.
    I worked through Infinity 2016-17 for about 8 months loan scheme.As soon as I knew this is not right.I spoke to HMRC and now in the process to settle tax for the period. awaiting letter from HMRC.Now last week I have received a demand letter from Felicitas to repay £17500 owed to Infinity.Infinity is no more in operation.I have now checked my documents and fortunately I found that I have not signed the original loan agreement which I received from IOM Infinity.I might have agreed over the phone.I do not recollect signing electronically either.I have the agreement letter with me but not signed or sent back to Infinity office IOM.Therefore is the loan agreement valid?Do I have to pay or settle with felicitas?
    What should be my response.?Do I just leave it
    What should I do?Could someone in the advice and help.
    Hi

    Most of us are in the same boat as yourself and I advise you to read the threads (I’m still reading catching when I can) what I will say is you definitely need legal advice from someone who knows about this stuff not just any solicitor who will probably learn it on the go and mess it up for you some of the names mentioned here are WTT CONSULTANTS & ETCTAX.co.uk. But if you find out more infor please post keep us in the light Thanks

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