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

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    WTT Big Group

    Hi - I am interested in the Big Group, and wanted to know how to join, and the terms of reference please.

    Any information someone can send me would be helpful.
    Thank you
    LisaP





    Originally posted by Hobo View Post
    Ok so I e mailed WTT this morning and got this response back this evening. To be honest I am a confused!!!!

    Like many of you I had already settled the contractor loan with HMRC and have received a letter from them stating that the matter was now closed.

    I need wine!!!!

    ----------------
    Good Evening,


    Thank you for contacting us with regards to the letter that you have received from Felicitas.


    We appreciate that receipt of such a letter is very worrying and so we hope the below offers you some comfort and a route for moving forward.


    Firstly, the letter you have received is not a demand. It is notifying you that a purported loan that is outstanding in your name has been assigned to a new company.


    The letter suggests that the original trustees of the trust from which you received the purported loans have assigned the rights under that loan to Felicitas Solutions Limited based in the Isle of Man.

    You may be aware that as being within a purported class of beneficiary of a trust, you have specific rights and similarly, the trustees have obligations to act in your best interest. Originally, the liabilities had been assumed to be assigned and then immediately enforced by a debt management company. This is not the case in your letter, however, it shows that the trustee may not have performed due care and attention in acting in your best interests when agreeing to the assignment. The trustee also has a responsibility to the trust to realise true value of the assets of that trust and so if the purported loan has been moved at undervalue there may be restrictions that can be placed on the activity. From the above, it should be clear that we / you do not currently have sufficient information to consider this assignment to have taken place legitimately and therefore further questions will need to be asked of the assignee and assignor in order to resist any subsequent demands.

    As a being within a purported class of beneficiary you also have a right to receive information relating to the trust. We therefore suggest that the next step is to ask questions of the various parties in order to;

    Legitimise any assumed debt
    Understand if the trustee has fulfilled their duties to you and the trust
    Request supporting documentation

    We are in active discussions with a number of third parties in this regard, including the IOM regulator and upon conclusion of these discussions, this week, we will be in a position to send our clients a letter to send to the various parties in conjunction with the above. If you would like to become a client, please let us know and we will send the relevant documentation to facilitate this. A fee of £200 + VAT will be requested as part of that process to cover costs of drafting the various communications for you. Should you subsequently join our litigation action to challenge HMRC’s view that a liability falls upon you as an employee of a Contractor Loan Arrangement (WTT Big Group) this fee will be deducted from your joining fee accordingly, if you would like further information on Big Group please let us know.


    Should you have any other questions at all please do not hesitate to contact us, or if you would like to progress please let us know.

    Comment


      I have too...

      I have sent an email to the address listed, and await their response.


      Originally posted by neveragain View Post
      My reply to them was written in anger and stress so probably not the most coherent mail.

      As someone has stated, very few, if any solicitors/lawyers, will have any experience in this, but I’ve asked a solicitor to see what they make of the letters I’ve got.

      So, Gladstone’s seems to be a legitimate solicitors according to the law society website, google it and the SRA number:
      Gladstones Solicitors Limited - The Law Society

      Felicitas details:
      https://opencorporates.com/companies/im/131081C
      Online Services - Company Summary

      Below are the points I made on my mail to them:

      I’m disputing this
      How the hell I’m supposed to pay this.
      Where has this interest figure/charge come from as I have not been advised about any of this, and provide me proof of this.
      How can you charge me for 5 years’ worth of interest when no-one has sent me anything about it. Ie you cannot charge interest on something you have not told anyone about.
      If I decide to pay, how can you guarantee you or them won’t come back for more?

      IQ have taken around 15% off my pay for their services and paid me the rest as a 'loan'. So their services have been paid already, and you’re/they’re asking for more of my wage?
      In addition, this money was payment for services I carried out for a company. I advised Darwin who appointed a company called Wise Move who appointed IQ contracts to pay me for my services.
      As tax has been paid on this ‘loan’, it can no longer be classed as loan.

      Please respond asap.


      IF i get a reply, i'll post it.

      Comment


        Originally posted by webberg View Post
        Here are your choices:

        1. Do your own research and make such representations to the parties involved as you deem fit
        2. Engage your own solicitor to challenge the claims
        3. Join a group that is already doing that

        (I'm assuming that paying the demand is not an option).

        1. Requires a lot of time and probably the collection and collation of evidence that you may not have.

        2. As you have gathered from reading this thread - please do that - you are in specialist territory and educating a lawyer as to the minutae of the issues here is something you will have to pay for.

        3. To the best of my knowledge the people who have had demands and who have sought and perhaps joined a group, have joined either:

        WTT's group (that's me and my firm), or

        ETCtax's group (a guy called Andy Wood with whom we speak regularly)

        I'm aware that other advisers have opined that either the matter is so straightforward that the simplest of rebuttals would suffice to make it all go away whilst others have asked for some quite substantial fees without actually saying what they plan. I have no other details on those.

        We (WTT) offer a free call and a modest joining fee for our group.

        ETCtax I think also offer a free call and will make the initial response for free as well (or at least they were last week).

        I think that covers it.

        No adviser is going to go into detail here as to their strategy.

        Unfortunately there are many opinions and views in this thread to sift. Some are sensible, some not and some frankly are fantasy. However, read them all as it will repay you.
        How do I engage with a group please?
        Thx LP

        Comment


          Originally posted by lisap View Post
          Hi - I am interested in the Big Group, and wanted to know how to join, and the terms of reference please.

          Any information someone can send me would be helpful.
          Thank you
          LisaP
          Try contacting WTT / Big Group. Not hard to find.

          Comment


            Originally posted by dammit chloe View Post
            Try contacting WTT / Big Group. Not hard to find.
            Try this web page link:

            Home: WTT Consulting - Tax | Legal | Financial

            Comment


              Originally posted by hcr3001 View Post
              Hi, I'm concerned that if I write a dispute email to Gladstone it will not hold enough weight, so are other people sending a dispute letter via their solicitor?
              I’m paying a solicitor to draft a dispute letter for me.

              Comment


                Apologies for being away from here for a few days R&R.

                I think that the crucial posts have been extracted and moved elsewhere to make things clearer.

                I also think that this thread - worth reading as it is - is not going to benefit any more from repeating input from much earlier.

                Happy to take PM's etc, but otherwise I need to be getting on with the work required.
                Best Forum Adviser & Forum Personality of the Year 2018.

                (No, me neither).

                Comment


                  Originally posted by Pjmfer View Post
                  I’m paying a solicitor to draft a dispute letter for me.
                  Why? Does your solicitor know all the ins and outs of tax law and the impact of potential IoM courts?

                  Just use Webberg or Etctax - you could then pass that to your solicitor to sanity check.

                  My concern in all this is that people say or do something that results in them saying the wrong thing.
                  merely at clientco for the entertainment

                  Comment


                    Originally posted by eek View Post
                    My concern in all this is that people say or do something that results in them saying the wrong thing.
                    Aye, it's a bit like being arrested by the Police. It's better to go "no comment" (no response) than say anything that may be given in evidence.
                    Scoots still says that Apr 2020 didn't mark the start of a new stock bull market.

                    Comment


                      I am interested - my letter deadline is 28th Feb!!

                      Can you help me further?

                      Originally posted by lisap View Post
                      Hi - I am interested in the Big Group, and wanted to know how to join, and the terms of reference please.

                      Any information someone can send me would be helpful.
                      Thank you
                      LisaP

                      Comment

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