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

[MrO666]

Sorry grandad, it was my first contract and I actually went into it blind. I'm sure you'll receive your employee of the month bonus from Adrian or Andrew for this post

I don't want to fall out with anyone, and for the record I think these people now trying to scare people into repaying alleged loans are the absolute lowest pond scum there is.

I stand by what I said, anyone who's claiming that they thought these schemes were 100% cast iron and and were beyond reproach need to be honest with themselves. If it looks too good to be true...........

I went into it knowing it might be a touch questionable, but took the gamble....and lost, like many others.

That's all

[Superfly]

I don't want to fall out with anyone, and for the record I think these people now trying to scare people into repaying alleged loans are the absolute lowest pond scum there is.

I stand by what I said, anyone who's claiming that they thought these schemes were 100% cast iron and and were beyond reproach need to be honest with themselves. If it looks too good to be true...........

I went into it knowing it might be a touch questionable, but took the gamble....and lost, like many others.

That's all

I didn't know the scheme was questionable. I was told it was HMRC approved, I was told it was QC approved, I have the screenshots of the website. I was told the loans are not repayable, I have the email from the scheme provider that state this. I was told there was no risk at all and I had nothing to worry about, even when the brown letters were dropping at my doorstep.

I was led to believe by the scheme provider that I wasn't taking any gamble. It was a scam, a con; and those scam merchants that were involved in it then and now have a lot to answer for.

[Tezz]

I didn't know the scheme was questionable. I was told it was HMRC approved, I was told it was QC approved, I have the screenshots of the website. I was told the loans are not repayable, I have the email from the scheme provider that state this. I was told there was no risk at all and I had nothing to worry about, even when the brown letters were dropping at my doorstep.

I was led to believe by the scheme provider that I wasn't taking any gamble. It was a scam, a con; and those scam merchants that were involved in it then and now have a lot to answer for.

Completely agree Superfly, I was told exactly the same.
And your summary of John, Frank and Bob Above are also 100%.
I was with Sanzar in 2009 Only and that seems to explain it.

[standup]

Completely agree Superfly, I was told exactly the same.
And your summary of John, Frank and Bob Above are also 100%.
I was with Sanzar in 2009 Only and that seems to explain it.

I have no sympathy with the scheme providers either. They lied then and are now trying to con us again. They should not get away with this.

While it sounds very reasonable, I am not sure that the "John, Frank and Bob" theory is what is happening in practice. I was with Darwin 2011-12, which operated similar to the Winchester example. I have not received any write-off or 5% settlement offer from Felicitas. However, I understand from previous posts that Darwin users received a write-off letters.

[Fred Bloggs]

I didn't know the scheme was questionable. I was told it was HMRC approved, I was told it was QC approved, I have the screenshots of the website. I was told the loans are not repayable, I have the email from the scheme provider that state this. I was told there was no risk at all and I had nothing to worry about, even when the brown letters were dropping at my doorstep.

I was led to believe by the scheme provider that I wasn't taking any gamble. It was a scam, a con; and those scam merchants that were involved in it then and now have a lot to answer for.

I realise it's way too late to say this, but it might help someone out there one day. HMRC never approve tax avoidance schemes - ever. QC cannot approve a tax avoidance scheme. But they can offer an opinion on it. As far as I am aware, nobody outside the scheme organisers ever actually gets to see the QC opinion. You are just told it exists. As we have seen, they are about as much use as a chocolate tea pot.

[Superfly]

I realise it's way too late to say this, but it might help someone out there one day. HMRC never approve tax avoidance schemes - ever. QC cannot approve a tax avoidance scheme. But they can offer an opinion on it. As far as I am aware, nobody outside the scheme organisers ever actually gets to see the QC opinion. You are just told it exists. As we have seen, they are about as much use as a chocolate tea pot.

If only we ourselves knew that back then. Hope it helps someone.

HMRC have since issued a Spotlight, 10 years too late but hopefully it also helps someone.

Comparison and broker websites marketing umbrella companies are not always what they seem (Spotlight 55) - GOV.UK

Those running these snake-oil schemes and chasing these fake loans only want to make as much money as they can before they leave this mortal coil, as if they will take it with them when they die. That will be their legacy, leave the world in a worse state than when they found it in order to ingratiate themselves in their limited time here at the expense of the pain of others. They are screwing NHS workers now for heavens sake. The likes of Adrian Sacco who has a penchant for super-expensive watches while the people that he is conning risk losing their livelihoods, home, marriage family, sanity. I am sure that this all fits fine in the ethics of these conmen, in their mind they feel that they earned this money by the intellectual value of their sheer cunning.

All we can do is help whoever we can through our advice gleaned from personal experience during this mess so that nobody else has to go through what we've gone through. It would be the human thing to do.

[BrilloPad]

All we can do is help whoever we can through our advice gleaned from personal experience during this mess so that nobody else has to go through what we've gone through. It would be the human thing to do.

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

Due to comments like yours I just had to take 3 weeks off. I have returned a couple of days ago and trying to lurk. But people like you who just DO NOT HAVE A CLUE drive me mad.

I have spoken personally to tens of people from this forum. A few I have found advisers for several(I always recommend at least two). And a couple I have helped through suicidal periods. The vast majority of this has been done through PMs.

Do you understand the concept of irony? Why should anyone think you are actually affected and not just an idiot with an axe to grind? Those were rhetorical questions. If you had any decency you would leave your CUK account and never post again. But you won't.

For many years I thought the quality of moderation was getting better on CUK. It now seems to be returning to 2008 levels.

No doubt this post will soon be lost in the sea of posts from morons like you. And people who need help will not be helped. But I need to get away for a while. Hopefully I will not be back. Maybe some suicidal people will not get the help they need. In which case admin will have a great deal to answer for.

[SouthKD]

Still nothing...! Have emails ONLY been sent via Felicitas?

I've still had no communication since I sent my dispute 4 Weeks ago. I never recieved anything directly from Felicitas, only via Gladstones.

Has anyone received a write-off from Gladstones?

[Tezz]

I've still had no communication since I sent my dispute 4 Weeks ago. I never recieved anything directly from Felicitas, only via Gladstones.

Has anyone received a write-off from Gladstones?

That’s never going to happen as it’s not Gladstones to write off. Only the supposed owner of a debt can send a write off letter.

[Tezz]

I have no sympathy with the scheme providers either. They lied then and are now trying to con us again. They should not get away with this.

While it sounds very reasonable, I am not sure that the "John, Frank and Bob" theory is what is happening in practice. I was with Darwin 2011-12, which operated similar to the Winchester example. I have not received any write-off or 5% settlement offer from Felicitas. However, I understand from previous posts that Darwin users received a write-off letters.

I believe it was nothing to do with the total amount, but the scheme you were with and what documents you signed and at what time. With Sanzar and Darwin in early days, pre 2011, there were no “loan” agreements in existence and therefore they have had to consider write offs.