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

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    #81
    Originally posted by Trust Punisher View Post
    Matt thanks for the update. I too was thinking the same, ie....dispute, asking various questions and contact the FCA and Police/Fraud Office - as i have nothing to hide and complied with HMRC/rulings....But will also take your suggestion about reporting Gladstone to the SRA.

    cheers
    TP
    Also consider reporting to the IOMfsa

    Comment


      #82
      Originally posted by 78paul View Post
      Hi,
      I don't know what to suggest really... I feel sick tbh..
      For years I have been trying to get myself back on my feet and sorting out this mess with HMRC, a week away from buying a house and now this...

      As some other earlier posts said - its specialist work and not all solicitors will be familiar with this. And they will be expensive! Although even that might be cheaper than these apparent debts.
      And how is it guaranteed that even if you were to pay them that amount, it is then settled 100% and they will write the rest off.. Considering you paid them that money in the first place.

      I would think that they still need to respect any dispute, even if it is from you.
      See my earlier post but you have every right to dispute this debt in the first instance. I have done this a few times in my life and you risk no harm in doing so.

      It will also buy us all some time while we all gather up various pieces of advice.

      This is really unrelated but yes related to HMRC as this is a debt collection agency, so treat them the way you would treat anyone asking you for money.

      Once my dispute has been opened up and discussed the next thing to do will be to ask them to send an ORIGINAL signed credit agreement, it is absolute law to have one of those legally and binding. The credit agreement will also show terms of repayment, interest what rights they have to collect (none probably).

      Then if they can provide that you need to ask for the authority they collect the debt for and who authorised them and how but that is a long way off.

      At this stage just dispute the claim and be ready for the next stage.

      We will beat these fraudsters/scammers.

      Comment


        #83
        Newbie here, I’ve also received a letter from Gladstones. Absolutely horrible. I feel like I want to dispute, but also to ignore.

        Could there be any sort of chance that they’re in collusion with HMRC?

        Comment


          #84
          One of the letters is dated Jan this year and is from ‘Garraway’ saying the loan has been transferred. Surely garraway don’t exist anymore.

          It was unsigned too.

          Comment


            #85
            Originally posted by corsair View Post
            One of the letters is dated Jan this year and is from ‘Garraway’ saying the loan has been transferred. Surely garraway don’t exist anymore.

            It was unsigned too.
            Garraway Consultants and Contracts both dissolved over 5 years ago.

            Comment


              #86
              Originally posted by corsair View Post
              One of the letters is dated Jan this year and is from ‘Garraway’ saying the loan has been transferred. Surely garraway don’t exist anymore.

              It was unsigned too.
              Sounds like this new dodgy outfit need to be reported to HMRC seeing as they are so keen on prosecuting scheme promotors, sure they are reading this now and acting on it[emoji848]

              Comment


                #87
                Loan agreement does not make pleasant reading

                Originally posted by piebaps View Post
                Paul, Felicitas doesn't operate from 2A Lord Street. A quick google search will tell you that. https://opencorporates.com/companies/im/131081C

                At some stage in your past, you and everyone else, will have signed a loan agreement. You'll need to get your copy out and check its terms etc to properly form an opinion.

                Then you'll need to check and see the underlying legal arrangements by which your loan was transferred from the original "lender" to the people now claiming repayment. If this all checks out, then you're not dealing with scammers (at least in the usual sense). Just because HMRC are treating the payments as income, doesn't automatically mean that the loan agreement is invalid. There's loads of threads on this in this part of the forum and what your experiencing isn't new. Pull up a chair and use the forum search facility to read about the others.
                I've now found the loan agreement and it is not great...

                "*3. Repayment*
                3.1. The loan shall become due and payable one month after the service
                of a written demand by the Lender on the Borrower, on the borrower
                reaching his 70th birthday, or on the death of the borrower, whichever
                is sooner.
                3.2. The loan must be repaid in Sterling; repayment in any other
                currency will not be accepted.

                *6. Assignments*
                6.1. The Borrower may not assign any of his rights under this Agreement
                without the consent of the Lender.
                6.2. The Lender may assign all or any part of its rights or benefit
                under this Agreement without the consent of the Borrower."

                Clearly there's more to it but I tend to agree with others that just because HMRC classed this as income and not a loan that does not affect the legal position of the loan itself. Sadly, like many of you, I have had to come to terms with paying a massive bill to HMRC and ending a horrendously stressful period of my life. For it to restart like this is horrific and I agree that we need to consider options and act as a whole here.

                Comment


                  #88
                  Originally posted by crowe99 View Post
                  I've now found the loan agreement and it is not great...

                  "*3. Repayment*
                  3.1. The loan shall become due and payable one month after the service
                  of a written demand by the Lender on the Borrower, on the borrower
                  reaching his 70th birthday, or on the death of the borrower, whichever
                  is sooner.
                  3.2. The loan must be repaid in Sterling; repayment in any other
                  currency will not be accepted.

                  *6. Assignments*
                  6.1. The Borrower may not assign any of his rights under this Agreement
                  without the consent of the Lender.
                  6.2. The Lender may assign all or any part of its rights or benefit
                  under this Agreement without the consent of the Borrower."

                  Clearly there's more to it but I tend to agree with others that just because HMRC classed this as income and not a loan that does not affect the legal position of the loan itself. Sadly, like many of you, I have had to come to terms with paying a massive bill to HMRC and ending a horrendously stressful period of my life. For it to restart like this is horrific and I agree that we need to consider options and act as a whole here.
                  Doesn’t make sense though. What did we work our contracts for? They took their 15% and paid us our wage “as a loan”. So what, we did all that work for nothing?

                  Comment


                    #89
                    Hello new persons here

                    I received my letter today from Gladstones. I have sent a response to them disputing it , thanks to others for the FCA spiel that was handy, I cc'd the HMRC in my email also with every address I could find from when I settled back in the day. I reported them also to the FCA / Fraud Office / SFO / And anyone else people can recommend. Feel better for reading the chain of responses, thanks everyone.

                    Comment


                      #90
                      Originally posted by crowe99 View Post
                      I've now found the loan agreement and it is not great...

                      "*3. Repayment*
                      3.1. The loan shall become due and payable one month after the service
                      of a written demand by the Lender on the Borrower, on the borrower
                      reaching his 70th birthday, or on the death of the borrower, whichever
                      is sooner.
                      3.2. The loan must be repaid in Sterling; repayment in any other
                      currency will not be accepted.

                      *6. Assignments*
                      6.1. The Borrower may not assign any of his rights under this Agreement
                      without the consent of the Lender.
                      6.2. The Lender may assign all or any part of its rights or benefit
                      under this Agreement without the consent of the Borrower."

                      Clearly there's more to it but I tend to agree with others that just because HMRC classed this as income and not a loan that does not affect the legal position of the loan itself. Sadly, like many of you, I have had to come to terms with paying a massive bill to HMRC and ending a horrendously stressful period of my life. For it to restart like this is horrific and I agree that we need to consider options and act as a whole here.
                      That's not the loan agreement that is their T&Cs not the loan agreement you signed (if you did originally), if it gets to that stage they will need to provide an original signed credit agreement.

                      Comment

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