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  1. Replies
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    Your industry is very different from mine, in...

    Your industry is very different from mine, in mine I probably know all the specialist recruitment consultants personally as there isn't that many of them and those that matter have been around for...
  2. Nope, I'm here because I've always find these...

    Nope, I'm here because I've always find these schemes interesting - the "loan" bit was always the bit that immediately scared me away from schemes, because if it's a loan they may ask for it to...
  3. The problem is that I don't know - as I said in...

    The problem is that I don't know - as I said in my last reply this could be the final roll of the dice, as they collect the final crumbs off the table and then walk into the sunset.

    Equally this...
  4. See my point above, why would Gladstones bother...

    See my point above, why would Gladstones bother with the awkward squad - they aren't going to pay so there is zero incentive in answering their questions.

    In Gladstones eyes (as this would be my...
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    June next year then at the earliest..

    June next year then at the earliest..
  6. Well a debt collection firm usually doesn't own...

    Well a debt collection firm usually doesn't own the debt - I did think the clue was in the middle word (collection)...

    The debt collection firm is in the England

    The actual debt is in the IoM...
  7. Since when did Gladstones own the debt - they are...

    Since when did Gladstones own the debt - they are sending letters on behalf of Felicitas as agents of Felicitas - asking Gladstone if they have the rights to collect would probably result in them...
  8. Thread: A Level Screw Up

    by eek
    Replies
    68
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    945

    Mocks haven't been taken used yet you have to...

    Mocks haven't been taken used yet you have to appeal those.

    And her mocks were also A's - which is why the complaints are valid...
  9. Replies
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    Once again - if a recruitment consultant gives me...

    Once again - if a recruitment consultant gives me a candidate who leaves early why would I use them again - a former contractor leaving early would not just screw up the finding fee it would also...
  10. Replies
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    That depends - most contractors in my industry...

    That depends - most contractors in my industry are crap at the soft stuff, so a second opinion on that would be what I was looking for...
  11. And they are irrelevant to the actual issue as...

    And they are irrelevant to the actual issue as Felicitas from the IoM is the company seeking the money.

    You are looking at 1 tiny point of the issue when the problem those of us with experience of...
  12. It's not an English firm - the only English firm...

    It's not an English firm - the only English firm involved here is the debt collection firm they picked because they are cheap and seem to have become less prominent.

    Question where are Felicitas...
  13. Thread: A Level Screw Up

    by eek
    Replies
    68
    Views
    945

    Equally Mocks are treated very differently in...

    Equally Mocks are treated very differently in different schools. One of the best schools around here uses Mocks to explain how to answer the paper - so they are walked through it first then sit it....
  14. Thread: A Level Screw Up

    by eek
    Replies
    68
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    945

    Nope the reality is:- Cohort less than 6 ->...

    Nope the reality is:-

    Cohort less than 6 -> Teacher grades
    Cohort greater than 15 -> rankings matched to that school's results from last years
    Cohort 6 to 15 -> not a clue.

    Which is why some...
  15. But it's a debt collection dispute with the added...

    But it's a debt collection dispute with the added complexity that the IoM is involved and worse it's not just IoM contract and debt laws it's also IoM trust law which adds even more complexities /...
  16. Thread: Paystream - AVOID

    by eek
    Replies
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    18,796

    Umbrella pay will be based on:- Minimum wage -...

    Umbrella pay will be based on:-

    Minimum wage - that has to be met
    Bonus - which is everything above minimum wage
    Holiday pay - which has to be accounted for.

    Depending on the umbrella that...
  17. Replies
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    Really can't see any problem with that - if an...

    Really can't see any problem with that - if an agency is charging me 20% of the annual salary to recruit someone the very least I would expect for the £xxxk I'm paying is ensuring I don't waste my...
  18. Thread: A Level Screw Up

    by eek
    Replies
    68
    Views
    945

    I have seen multiple examples of SueEllen's...

    I have seen multiple examples of SueEllen's example and worse. The worst is the A*A*A which went to CDD - and the appeal means she is waiting a year for Uni as the course is now full of private...
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    +1 but they seem more plausible than most of...

    +1 but they seem more plausible than most of firms in that sector - go in with your eyes open - you may get work out of it but you probably won't. Equally there is little harm in trying.
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    Run a mile from them.... This forum will...

    Run a mile from them....

    This forum will explain why https://www.contractoruk.com/forums/hmrc-scheme-enquiries/ .

    even if the choice is this contract or unemployment for your longer term...
  21. Not always in the case of Digital Outcomes - I've...

    Not always in the case of Digital Outcomes - I've twice won bids on it and both times had to turn the work down as I committed to something else in the 6 weeks that the awarding of the process took....
  22. You had better close this thread then as the...

    You had better close this thread then as the posters that are left will be posting ideas that may be positively dangerous.
  23. That's not what I'm seeing - I'm seeing posters...

    That's not what I'm seeing - I'm seeing posters who know far less than they think they do post inaccurate information as if it was fact.
  24. As I said a philosophical argument which to me...

    As I said a philosophical argument which to me doesn't matter but to the people who joined the scheme potentially the difference between a nice retirement or a somewhat less nice one.

    What I find...
  25. Its really quite simple, when you joined the...

    Its really quite simple, when you joined the scheme you agreed that what you earn from your end client went to the scheme provider in return for the scheme provider paying you an agreed amount of £94...
  26. Thread: test please delete

    by eek
    Replies
    332,598
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    18,913,352

    Sticky: We have exam results - twin B is off to Leeds...

    We have exam results - twin B is off to Leeds conservatoire with the points she needs and an appeal on one paper.

    twin a is heading back to repeat the year as expected now we know has is austistic...
  27. Thread: test please delete

    by eek
    Replies
    332,598
    Views
    18,913,352

    Sticky: Doesn't make any difference what the weather is -...

    Doesn't make any difference what the weather is - the twins are waiting for their A level results and the arguments require sea air and a walk to calm them down.

    Hopefully it will also feature...
  28. +1 glad you discovered the issue before it was...

    +1 glad you discovered the issue before it was too late.

    Oh and a big warning - Legitimate umbrella comparison brokers don't exist, legal umbrellas offerings are virtually identical and umbrella...
  29. Replies
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    Those sort of jobs have always existed with the...

    Those sort of jobs have always existed with the NHS because unless you are a manager or a doctor the viewpoint is that you don't deserve to be paid well
  30. Replies
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    permie salaries growing? Not from what I'm...

    permie salaries growing? Not from what I'm hearing and seeing.
  31. What am I clutching at again? The original...

    What am I clutching at again? The original suggesting of going to WTT and ETC was because so many things interact here - there was the loan charge scheme and there still is the risk of IHT and you...
  32. I love your paranoia when all I needed to do is...

    I love your paranoia when all I needed to do is check back at your previous posts where you boosted about avoiding visiting the portal and told others not to visit it.

    And given the sheer amount...
  33. Nope you are paying etc and wtt because there was...

    Nope you are paying etc and wtt because there was and is a risk that any settlement of these loans may impact your tax position - and because of the sheer number of intersections potentially involved...
  34. I'm at a loss as to how you can in the same...

    I'm at a loss as to how you can in the same sentence accept you received loans (a debt) yet dispute said debt.

    And you seem to think Felicitas need to prove to you that the loan is valid - yet...
  35. At the end of the day we aren't going to agree. ...

    At the end of the day we aren't going to agree.

    I think these are business transaction outside of FCA's remit that Felicitas are correctly treating as a business transactions, that Felicitas have...
  36. My viewpoint is that you don't even understand...

    My viewpoint is that you don't even understand the battle you are in. You still talk about FCA and things that imply that you still believe this is a consumer finance agreement - it wasn't and it's...
  37. But schemes only exist because customers are...

    But schemes only exist because customers are greedy enough to join them... That's not saying I don't have sympathy but tax avoidance schemes were rich men's toys and my sympathy comes from the fact...
  38. 1) You were the person who brought up the FCA - I...

    1) You were the person who brought up the FCA - I merely pointed out they aren't relevant...

    2) As I pointed out a long time ago this money is Schrodinger money which means different people see...
  39. Also if anyone is wondering why I'm posting so...

    Also if anyone is wondering why I'm posting so much - the other option is worrying about A level results and strangely this is a very welcome distraction.
  40. I don't think I've ever said anything about...

    I don't think I've ever said anything about paying - my advice until now has been dispute in a way that doesn't admit or accept anything.

    With the current offer I'm no longer so sure, partly...
  41. Have you met these people - they don't care and...

    Have you met these people - they don't care and will continue to sit in Malta with their mates.
  42. 1) Covid is an excuse for a delay - no more no...

    1) Covid is an excuse for a delay - no more no less and it allows Felicitas to ramp up the pressure.

    2) The one thing you never ask a solicitor who loves getting money from going to court is, is...
  43. Replies
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    It would be the quarterly bit I hate - if you...

    It would be the quarterly bit I hate - if you want to ask me or complain about something do it immediately or at least that week. Don't keep quiet and use it to score points months later.
  44. To be clear - this is my position - I'm just a...

    To be clear - this is my position - I'm just a contractor who saw through the schemes because had the internet not appeared as I graduated in 1994 it is incredibly likely that I would have become a...
  45. Not quite, there was a debt originally (as that...

    Not quite, there was a debt originally (as that was how the schemes worked as otherwise you would have had to pay income tax at the time).

    The questions you need to find out are:

    1) is there...
  46. Why haven't they, because 1) Courts love to see...

    Why haven't they, because
    1) Courts love to see evidence of people being "reasonable" and negotiating prior to starting court action
    2) Covid ground courts down to a virtual halt so there is zero...
  47. 100% true but personally I would be focused far...

    100% true but personally I would be focused far more on discovering whether the debt still exists and whether that debt is enforceable. Only after that would I worry about whether Felicitas actually...
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    G-sync though which is rather more useful for the...

    G-sync though which is rather more useful for the desktop these are connected to which is water-cooled, silent, with a 16 core Ryzen 3950x and a 2080ti (for AI training purposes according to the...
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    Do we know what the long term (10-20 year)...

    Do we know what the long term (10-20 year) consequences of having Covid 19 are?
  50. I haven't deleted the quote and I won't because...

    I haven't deleted the quote and I won't because the more I think about it the line about costs is very important.

    Because the people at Felicitas and co are lawyers so they will profit (possibly...
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