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

[pnr8uk]

Received an e mail last night 14th April at
23.01 which included a portal with details of so called loans some of which did actually tie up with bank statements so they nearly got numbers right.
The last payment was April 2011 so as Felicitas only contacted me on the 14th February 2020 after acquiring details from THL they are actually time barred from recovering as the time limit is 6 years
I have all the payments made from my agent at the time to Halo who acted as Darwin UK partner proving that this was earned by myself.
Got HMRC And letter from parliament describing these as tax avoidance so I have sent all the details to Felicitas this morning as there solicitor mail bounced back and am quite prepared to see them in court should these parasites survive Coronavirus hopefully they all succumb

Whilst I agree with your venom it possibly won't help in this case.

The six years being bandied around really only means is statute barred, I have a feeling this is from when they first contacted us to claim rather than a repayment... but not sure.

So to you and I means it can't be claimed through courts, in 6 years time from now (but I am not 100% certain) though the debt will still very much exist.

Collection agencies can collect and this is the crux of the whole argument going on right now, what rights have been given, how they have obtained them etc.,

As this is a fairly unique case (for me) anyway I'm leaving in the hands of others such as ETC Tax or WTT. I would dare to suggest you do the same but each of us have to find their own way.

Stay safe and strong.

[fiddlerFinder]

ScumBags

I too have received an email with link to website to get loan information!, not going to happen I have mailed WTT and awaiting response.
I am a little puzzled that they embedded 1px image link to open action with your unique ID to record than the email has been read!

I didn't give them even this little bit of satisfaction,
Make sure your mail setting are secure and do not automatically allow images. View email source, outlook right click in preview plane.
This is a very old spammer trick to verify email addresses are valid, not sure what they hope to gain from this. But gives some inside to there low level mentality.

But some interesting developments. Loan charge contractors face double whammy of life-changing repayment demands as past loans recalled

[stevematch]

Email Felcitas

I too have been going through this battle with them. Felicitas sent me an email today (at 03:05 AM) with a link to apparent evidence they have. I have not opened the link yet. Please please PLEASE do share details of a specialist firm who can help with this matter. I do hope the HMRC get involved as this is hugely unfair especially since I settled with HMRC years ago. I don’t know whether to even open the link and review this “evidence” they think they have. If anyone does have a recommendation of a law firm let me know. Thank you.

Best wishes,
Y

Yeah I got one also , I have since sent mine on to ETC Tax and they have dealt with it. Thank Christ for ETC. Don't open the link mate. I'm not selling ETC to anyone but i'm bloody glad I have Andy Wood there to support me with these unethical dogs.

[why]

But some interesting developments. Loan charge contractors face double whammy of life-changing repayment demands as past loans recalled

So if I'm reading that link right, some firms working on behalf of contractors tried to negotiate a settlement which leaves the contractor having to pay up a percentage at best and that the debt is genuine? I do understand that they are helping and may get the so called debt down considerably but that appears to be a defeat or stalemate at best. So potentially, legally, they have won? Or is it an ADR approach? What happens in the next round, the next company who takes the debt on, if they then implement 'pre-action protocol'? Its a pity the link did not mention that these loans were payed in, in the first place by the contractor themselves.

Surely worth waiting to see what transpires in the finance bill?

PS
I would NOT open any link from them, who knows what small print you are agreeing to, by doing so!

[Chillaxing]

From what I gather some contractors owe six figures in loans and many others owe any amount up to this.

If they (Felcitias) really thought the loans were genuine and they could win the full amount in court then they would pursue it. They aren't offering a £950 payment and 6% settlement out of the goodness of their heart.

Until I see solid evidence and court action then I'll be ignoring them. The similarities with the parking companies is rather striking, it's all conducted on extremely shaky legal ground.

[Superfly]

So if I'm reading that link right, some firms working on behalf of contractors tried to negotiate a settlement which leaves the contractor having to pay up a percentage at best and that the debt is genuine? I do understand that they are helping and may get the so called debt down considerably but that appears to be a defeat or stalemate at best. So potentially, legally, they have won? Or is it an ADR approach? What happens in the next round, the next company who takes the debt on, if they then implement 'pre-action protocol'? Its a pity the link did not mention that these loans were payed in, in the first place by the contractor themselves.

Surely worth waiting to see what transpires in the finance bill?

PS
I would NOT open any link from them, who knows what small print you are agreeing to, by doing so!

Pre-action protocol includes proving the veracity of the loans and that trust rules were followed in the transfer of the alleged debt. Felicitas will struggle on both counts. That is why pre-action protocol is important here.

It's a scam and scammers like to hit and run without leaving a trace. That is what THL tried to do, they may have succeeded depending on how many of the low-hanging fruit dropped. They are currently shutting shop to pocket the loot.

Felicitas need to prove the loans and there should be a verifiable trail right along the line, and trust rules should have been followed. If Felicitas try to push too hard or in the wrong way, it could backfire on them. This is why they won't answer any questions directed at them. That is why they love operating via portals, which they can make disappear whenever they want. That is why this will never see the light of day in a courtroom. Felicitas is a disposable entity and it will disappear when it has served its purpose ie. retrieve the low-hanging fruit (a monetary return for minimum effort).

[DealorNoDeal]

That is why this will never see the light of day in a courtroom. Felicitas is a disposable entity and it will disappear when it has served its purpose ie. retrieve the low-hanging fruit (a monetary return for minimum effort).

↑
This.

The other bunch mentioned in the Computer Weekly article, FS Capital, may have a bit more longevity.

For once, I'm rooting for HMRC.

“We understand that Simon Emblin [Director of FS] was arrested and questioned by HMRC in February 2020 and remains a suspect in an ongoing HMRC investigation, which may relate in part to the loans he is trying to enforce.

[Zander]

HMRC and tax paid already in 2013

thanks for your input much appreciated
For clarity HMRC contacted me in 2013 to confirm Darwin had been classed as a tax avoidance scheme and they handed me a significant tax bill along with the confirmation letter.Tried to contact Darwin who had gone into liquidation but googled an Isle of Man number who confirmed this but assured me that two of Darwin directors were now tax advisors who would for a fee help me lol
I bit the bullet and did the honourable thing paid the HMRC tax bill

[stevematch]

Same here

thanks for your input much appreciated
For clarity HMRC contacted me in 2013 to confirm Darwin had been classed as a tax avoidance scheme and they handed me a significant tax bill along with the confirmation letter.Tried to contact Darwin who had gone into liquidation but googled an Isle of Man number who confirmed this but assured me that two of Darwin directors were now tax advisors who would for a fee help me lol
I bit the bullet and did the honourable thing paid the HMRC tax bill

Same here mate I paid the tax bill. I am with ETC now and hopeful they can pick holes in everything Felicitas are up to. It stinks of the previous too donkeys who tried the same tactics be it Trust Helpline and Dor Resolutions … some say that donkey Andrew Thompson is involved again... Be strong mate. And for everyone else don't access the link to the light material.

[piebaps]

There's a "sticky" at the top of the page fellas - its fairly comprehensive and worth a read.

https://www.contractoruk.com/forums/...d-summary.html