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

[webberg]

My own summary

I think this thread has reached a point where my input is now adding little and therefore until the next wave of letters, I will cease posting here.

My summary of the key points is as follows.

1. Take the letters seriously. In almost all instances a legal document exists which details rights and obligations and this is the basis of a claim being made. Ignoring hard evidence is foolhardy.

2. Be careful how you engage with the alleged owner of the loan or their agent. Put them to the test. they are obliged to prove their claim and if they cannot, there is no claim.

3. Go and find as much paperwork as you can because you may need it.

4. Be catholic about the advice here and elsewhere. You have read a lot of views and some will be more correct than others. Take a balanced and weighted view of them all. Who has verifiable knowledge or experience? Who is simply venting? Come to a view that is sensible, not one that gives you the answer you first thought of and which suits you.

5. Keep details of the advisers here for future use.

Thanks.

[why]

I have. I've also not had the second letter for payment yet. I didn't go back to Felicitas after their first letter. I wonder if those responding are getting the second Gladstones letter quicker.

I was wondering that to. I have not (yet) actually received a letter from Gladstones themselves, just a 'Notice of acquisition' from Felicitas. So, in my case I'm sitting on it for the minute. I see people talking about 'phases', what phase are people on whom have responded and what are Gladstones saying (without giving any detrimental info out) to any initial letters having been sent out by us?

[why]

Same. No loan agreement paperwork. Just a signed contract of employment.

They may have worded the contract without actually stating a loan i.e. you will be paid a salary and then the rest as 'remuneration' and that any monies received in excess (now what does that actually break down to?) of remuneration could be treated as debt repayable on demand or thats how i possibly understand it.

The validity of a contract shall be governed by laws of IoM (or many 'contracts' state that).

I know we have moved on from the validity or not of any P11D stating that any benefits have been paid but in my case a P11D FAQ document from Darwin states "This shows the date that any loans were REPAID", so to me that's supporting evidence that Darwin themselves stated any loan was repaid. Otherwise, as usual, that's just lying to people (due care?) in documents created and published by themselves. If you had, had read that with the accompanying P11D from them, then you would have thought that everything was settled including remuneration\loan\benefit in kind. Otherwise on termination with the them, then a final settlement (in a reasonable timescale!) or similar should also have been sent out including outstanding charges, 'loans' and so forth. I am not saying that's how people should look at it, nor that its any use in court but possibly its a supporting side. Of course we all need a crystal ball.

Maybe MPs should be made aware of this since its still an ongoing saga for contractors, dunno.

[piebaps]

Hi guys I’m looking for some advice if possible, I have received the letter from Felicitas demanding an alleged loan is paid back, the only contact details I have for them is the email address on the letter which is [email protected]
I have tried to email them a dispute letter and a sars request but it says my email cannot be sent.
Should I send paper copies recorded delivery to their Isle of Man PO Box address? That’s if the address actually exists, is it a fake address just like their fake email address.
I haven’t received the letter from Gladstone’s yet so Felicitas is my only point of contact.
Has anyone had a further response after the initial letter from Felicitas?

Ryan

You really need to take some time and read the whole thread. Post #864 provides a neat summary and there's also a sticky at the top of the page. Felicitas' address is easily checkable at the IOM Companies Registry and you can do this yourself online Online Services - Company Search

[Scrogbank]

I have. I've also not had the second letter for payment yet. I didn't go back to Felicitas after their first letter. I wonder if those responding are getting the second Gladstones letter quicker.

I responded over two weeks ago using WTT advice and draft, have not heard anything

[webberg]

<Mod: Post modified to protect a poster>

I can't say that I've heard that rumour and nor would I give it much credibility.

[eek]

I can't say that I've heard that rumour and nor would I give it much credibility.

I suspect hope has been combined with the arrests that HMRC did and announced a fortnight ago..

[pnr8uk]

I suspect hope has been combined with the arrests that HMRC did and announced a fortnight ago..

Quite probably

[stevematch]

The Brown Envelope will come Mr Sacco and Mr Gareth Griffith.

Quite probably

Hopefully time will catch up with the scum
Gareth Griffith / Giselle Whitlam Riley / Andrew Thompson. Maybe guys if you need some toilet paper I have a few rolls left. Gareth the scum bag still advertises cost effective solutions on LinkedIn.. pity LinkedIn wont close his account yet. I've sent everything I can to the HMRC to assist but im sure many have already. Still waiting for my MP and the SRA to get back to me, bloody useless authorities in this country.

[corsair]

This thread, a few weeks ago my life took what I thought was a scary and dramatic turn when those letters arrived.

Today, they don’t seem so worrying. I’ve barely thought about them. whatevers happening with this, pails into our current reality.

Hope the guys sending those letters get a good dose of the bad stuff.