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

[Wtaf]

Fiscus management Ltd - Andrew Thompson - bank details

Dear All,

Thank You all so much for sharing all ur experience with all these different firms regards so called Loans

My story is very close to ur stories
Its felicitas In malta

Send me an offer settlement to py only 5% to pay it all off

See email below ,

Date: 01 May 2020

Settlement Offer – FINAL OFFER to settle your outstanding debt to us for 5% of the balance, in full and final settlement

WITHOUT PREJUDICE SAVE AS TO COSTS

Given the current pressures we are all facing, we are writing to you to propose a one - off offer for you to settle your outstanding loans in full and final settlement.

This offer supercedes all previous offers and is made on the following basis.

Our offer to settle your debt to us

Settle for 5% of the outstanding debt to us, in full and final settlement.

We also make available to you a time to pay arrangement on debt repayments if you so wish.

If you choose to take up the offer of the time-to-pay arrangement, we will also offer you the chance to take a 3-month payment holiday (once you have made your first payment) and stagger repayments for up to 5 years.

Finally, if you take up this offer, we will waive any interest that has accrued in relation to this debt and the right to charge any further interest on your loans, as long as you make the payments you promise.

Additionally, during the repayment period there will be no variation to any of the terms of this agreement, unless it is agreed with you

Below is a description of the options available to you:

Your debt currently owed to us:

Your total debt to us is £1,174.24

This figure is the total debt outstanding as shown in your last loan statement

Our offer to you is:

Settle your debt to us in a single payment of 5%, for the sum of £58.71

OR

you can pay in instalments(equating to 5% of the sum above):

3 months (equating to £19.57 per month)
6 months (equating to £9.79 per month)
9 months (equating to £6.52 per month)
12 months (equating to £4.89 per month)
24 months (equating to £2.45 per month)
36 months (equating to £1.63 per month)
48 months (equating to £1.22 per month)
60 months (equating to £0.98 per month)

To take up this offer, you need to make your first or only payment by 01 June 2020. If you accept the time-to-pay arrangement, you will need to set up a standing order to make the next payment on 01 October 2020.

NOTES:

1) If you do not accept the above offer by 01 June 2020, then you will still be liable for the full debt.
2) We will guarantee you that we will NOT instigate court proceedings for those who accept this offer and are in compliance with the repayment program.
3) This offer will end at midnight on 01 June 2020. By this date, you need to have made your first payment as below
4) Your standing order must make your second payment on 01 August 2020.
5) Upon receipt of your final payment, we (Felicitas Solutions Ltd) will send you a letter signed by our director to confirm your entire debt has been settled in full and final settlement.

We have previously written to you with details of how to log onto our Client Gateway to review the evidence documents we hold for you.

Please login into our Client Gateway using the link below:



If you wish to accept this offer, make your payment as follows to our collection agent:

Account Name: Fiscus Management Limited
Sort Code: 09 - 01 - 29
Account Number: 38605374
Amount: £58.71
Payment Ref:
Payment Due By: 01 June 2020

Yours sincerely,

Felicitas Solutions Limited

0333 311 0139

--------------

I just payed off with HMRc the tax on this as its an income . I had my payslip done by this firmso called infinity contractors
As u all know this umbrella company ia no where to be found since 3 years ago

Hmrc advices to get in touch with legal advice but it sound like a scam any advice please u can share on the above email

I feel like just pay it as its so small for my case aa i dnt know can one of u share its path with me so either pay this small amount or just keep ignoring it ?

Thank you all

This is the email that people received including the bank details which you can look up on Companies House, to show that it was created by Andrew William Thompson.

[Wtaf]

This is the email that people received including the bank details which you can look up on Companies House, to show that it was created by Andrew William Thompson.

I've deleted the email that was sent showing the above information. Can anyone who still has a copy please PM me

[stevematch]

Thanks

This is the email that people received including the bank details which you can look up on Companies House, to show that it was created by Andrew William Thompson.

I sent a complaint to the ICAEW and this is perfect, thank you. Any pressure to be placed on this conman the better I say.

[stevematch]

HMRC

Not sure what you mean about letters not being addressed personally. Every correspondence I ever received from HMRC regarding scheme usage was very much addressed to me personally and referenced the scheme (sanzar) I had used. Of course there were the generic parts in it, but it was tailored directly at me.

I spoke with my tax adviser yesterday about a different issue and bought this up. His view was that in order for HMRC to come back for another bite after issuing either a closure notice or a determination, would only ever happen if they have very strong evidence that the numbers agreed were entirely wrong. Even then, his view was that they would need to officially reopen the enquiry/determination/assessment etc before they could request any information from the taxpapyer. Basically, they can't just send letters asking for information relating to a tax enquiry that's closed.

His view was that he would push HMRC to explain exactly why they are requesting this information which has already been supplied to them once, years after the issue was resolved, and if they have reason to now question the settlement, then they need to share that information openly.

For what it's worth, I would NEVER....and i mean NEVER engage directly with HMRC regarding anything. I've always used a registered tax adviser to deal with them. In my opinion HMRC case workers are far less likely to try it on with a tax specialist then with the individual tax payer. HMRC know that the veiled threats which they outline in their letters carry zero weight with an adviser, and they know that the advisers understand tax laws and process as well as HMRC do, and in some cases even better. Equally, they know that any evidence that is given to HMRC has also been reviewed by the tax adviser too.

I found them fine to deal with once you found a contact you could liaise with one on one. I sent my bank statements in and circled the amounts and paid the tax. Took a few months to resolve though but once I had the email addresses of the officers handling my settlement it wasn't too bad, of course if I had the money I would have used ETC Tax but I have seen some accountants drag out the process and milk some fees so decided to go it alone. Stressful waiting on HMRC but got there in the end, happy to chat to anyone on the DM if need be.

[Superfly]

I found them fine to deal with once you found a contact you could liaise with one on one. I sent my bank statements in and circled the amounts and paid the tax. Took a few months to resolve though but once I had the email addresses of the officers handling my settlement it wasn't too bad, of course if I had the money I would have used ETC Tax but I have seen some accountants drag out the process and milk some fees so decided to go it alone. Stressful waiting on HMRC but got there in the end, happy to chat to anyone on the DM if need be.

Everytime I see a stevematch post, I wait for the Etctax plug.

[creativity]

Andrew Thompsons company address can be found on the web and its public domain so no dispute posting it here.

Andrew Thompson of 2 Kenilworth Road, Crosby, Liverpool, L23 3AD. If you want to direct correspondence to him you can use this address.

[creativity]

I found them fine to deal with once you found a contact you could liaise with one on one. I sent my bank statements in and circled the amounts and paid the tax. Took a few months to resolve though but once I had the email addresses of the officers handling my settlement it wasn't too bad, of course if I had the money I would have used ETC Tax but I have seen some accountants drag out the process and milk some fees so decided to go it alone. Stressful waiting on HMRC but got there in the end, happy to chat to anyone on the DM if need be.

Yes I found HMRC easy to deal with ONCE you get a successful contact. I settled with no issues and actually got very favourable terms. I had no requirement for advisers/accountants as the math is very straight forward....in my opinion dealing directly wiith another human being can provide some empathy, which can help.

[stevematch]

Sorry mate

Everytime I see a stevematch post, I wait for the Etctax plug.

Haha, they offered me free help when others would only charge. Cant help but admire that. I'll not drop names again. One big happy forum.

[Superfly]

Haha, they offered me free help when others would only charge. Cant help but admire that. I'll not drop names again. One big happy forum.

Fair enough. Just need to have my wits about me on this forum, and the cloak of anonymity that it provides to people.

You do seem to be pushing the Etctax line quite frequently, which leads me to suspect that you are affiliated with Etctax. <modsnip>

[Fred Bloggs]

Fair enough. Just need to have my wits about me on this forum, and the cloak of anonymity that it provides to people.

You do seem to be pushing the Etctax line quite frequently, which leads me to suspect that you are affiliated with Etctax. <modsnip>

You don't even have to be that clever, just post from the sockie account while having a coffee in Starbucks or a Big Mac in McDonalds. And only post from home from your main CUK account.