IQ Consultants, Felicitas Solutions, ECS Trustees - loan repayment demands

[Questor]

Are there grounds here to complain to ACA?

I found an article on Andrew William Thompson where he got a fine from ACA due to these same dodgy tactics. I've emailed the ethics department and anyone else with emails should too. The emails with his Fiscal company and bank details.

Just a thought... Are there grounds here to complain to ICA? If he is still a member.
If there was no supporting evidence for loans from Sanzar / Darwin, then the transfer letters and demands for payment were possibly fraudulent?

[stevematch]

Thanks I will email the ICAEW

I found an article on Andrew William Thompson where he got a fine from ACA due to these same dodgy tactics. I've emailed the ethics department and anyone else with emails should too. The emails with his Fiscal company and bank details.

Cheers for this , I will ping them an email now.

[H20]

Just Maybe,

Question to everyone who has received the loan write-off emails.

As far as we know, loans were written off for Darwen and Sanzar users.

Can people who have received the write-off emails confirm that they were only with Darwen or/and Sanzar and did not cross over to any other scheme.

I feel that they have sent out letters to Darwen and Sanzar people because there was no loan application made by the scheme user prior to recieving the loan payment (it was automatic in those early days), so they do not have any enforcement power hence the purported loan write-off.

With regards to Sanzar Loans, The Sanzar partnership in 2008,this scheme used the then in place 'double tax treaty' and therefore no loans were given and therefore none needed to be paid back. subsequently the Sanzar partnership morphed into Sanzar Solutions when the double tax treaty application was ended. Sanzar Solutions (I have paperwork) gave an undertaking in writing that 'all Loans would be completely resolved and you will not owe us any money. There is great detail in the documentation and examples shown of how the scheme would work and how the loans would be written off.

Just maybe Felictas are looking to write off the Sanzar and / or Darwin loans because they realised that if they have sent out documentation stating assignment of loans and there are no loans to be assigned, could the documentation sent out be false ? which would mean if that has happened a fraudulent paper trail has been created, by falsely asking for loans that don't exist and maybe even being creative by mistake.

[standup]

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.

[Sick of it]

In response to standup

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.

[adubya]

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.

[Golddustz1]

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 ?

[MrO666]

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.

[Old Chap]

Fiscus Bank Account as the recipient of Felicitas settlements

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)

[Wtaf]

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.