Things about to get very serious and much more real? / Felicitas Letters

[78paul]

So it appears there are 3 variations of letter been sent out,
some for an admin fee, some for a 1.5% reduced rate of value and others for a full amount £000's demand to be paid by 20th or 30th.
Again like previously mentioned, it is best to seek advice on deciding to ignore, dispute or try your luck on the low payment as all could have further implications later.

Remember this is a letter/email sent out on a Saturday evening demanding money from you within a very short period of time.. Think logically before parting with any money. Seek advice.

[JammyDodgers]

I also received an email offering £425 settlement for an alleged debt of over 35k. Until now ive ignored all correspondance but if i knew this would be the end of the matter id consider paying just so that i could forget all about this BS. As others have pointed out, does paying this automatically provide proof that im accepting liability for this debt??

[Fred Bloggs]

I also received an email offering £425 settlement for an alleged debt of over 35k. Until now ive ignored all correspondance but if i knew this would be the end of the matter id consider paying just so that i could forget all about this BS. As others have pointed out, does paying this automatically provide proof that im accepting liability for this debt??

You need advice, especially to review the wording of any agreement you may be considering. Too much at stake to ask a bunch of strangers on the internet.

[Synn]

But who's advice is trustworthy and accurate? Everytime I look for advice it's a £750+VAT bill, or a £3,000+VAT bill, and so far it's got me no where
Logic says that Felicitas doesn't have a leg to stand on with the alleged loans, if they did why would they look for an admin fee to write-off the debt, when they apparently are owed 000's.

It feels like one last cash grab.

The loan agreements had no values in there, no total, no monthlys, just a time to repay whatever was loaned. There's no loan statements or charges. HMRC are classing this as income and the LC is the tax on that income - so money can't be both income and a loan.

BUT the threats and uncertainty are what's leading to the stress and, in some cases, worse, so for a small payment to make that go away - it's tempting.

[eek]

But who's advice is trustworthy and accurate? Everytime I look for advice it's a £750+VAT bill, or a £3,000+VAT bill, and so far it's got me no where
Logic says that Felicitas doesn't have a leg to stand on with the alleged loans, if they did why would they look for an admin fee to write-off the debt, when they apparently are owed 000's.

It feels like one last cash grab.

The loan agreements had no values in there, no total, no monthlys, just a time to repay whatever was loaned. There's no loan statements or charges. HMRC are classing this as income and the LC is the tax on that income - so money can't be both income and a loan.

BUT the threats and uncertainty are what's leading to the stress and, in some cases, worse, so for a small payment to make that go away - it's tempting.

Sorry but that simply isn't true.

HMRC look at the entire transaction and say that money is required.
Felicitas are looking at 1 tiny part of the transaction and saying that this is a loan between someone and you to which you now owe us money.

And sadly, both those statements can be 100% true because of the nature of how the money was finally given to you.

As for who you can turn to for valid advice, the reason I say WTT is because they were created by people not involved in any of the orginal schemes, I can't say that about the other options.

[MrO666]

Lets not get into whether it's a loan / income or both again please everyone.

I would say that they appear to be totally all over the place with this. So far I'm aware of:

1) Offers to "write off" the alleged debt for £425
2) Offers to "write off" the alleged debt for £725
3) Offers to "write off" the alleged debt for 1.5%
4) Demands for the full alleged debt within 10 or some cases 6 days (which I'm pretty sure falls foul of any legitimate debt collection procedure)

In relation to point 4, I've seen two of these now, and both of them are asking for different (slightly lower) figures than what they were demanding in the previous attempt.

Either they're being very clever in some way, or (which is in my view more likely), they're being completely amateur in their approach and just getting it all wrong.

One thing I would like to try and understand, is whether the above "offers" are dependant on which scheme a user was a member of. Could it be that some schemes they're just writing off, or or perhaps alleged debts below £X are being written off.

[Synn]

My £775 offer was based on IQ Contracts, IQ Consulting and Infinity

[JammyDodgers]

IF there was a way to send the money without admitting liability then id consider it. as mentioned below, the cost for legal advice would be more than double whats being asked so its very tempting to take a punt.. sure it makes my s### itch to pay this especailly after settling with HMRC at great cost but i want this gone.
It would be interesting to see if anyone else does settle to see which director signs the acceptance letter/receipt

[Wtaf]

There's another amount being provided, £600 and I was with IQ. I won't be paying, they don't stress me out anymore as all they've done is show how amateur they are and the fake court case in the North of England was the last laugh at them. Its been ongoing for so long and yet still threats. They are lowering the amount as they know people aren't paying but £425+ × 100s if not 1000s of people is still a big pay day for sending a few emails and texts.

[Wtaf]

Lets not get into whether it's a loan / income or both again please everyone.

I would say that they appear to be totally all over the place with this. So far I'm aware of:

1) Offers to "write off" the alleged debt for £425
2) Offers to "write off" the alleged debt for £725
3) Offers to "write off" the alleged debt for 1.5%
4) Demands for the full alleged debt within 10 or some cases 6 days (which I'm pretty sure falls foul of any legitimate debt collection procedure)

In relation to point 4, I've seen two of these now, and both of them are asking for different (slightly lower) figures than what they were demanding in the previous attempt.

Either they're being very clever in some way, or (which is in my view more likely), they're being completely amateur in their approach and just getting it all wrong.

One thing I would like to try and understand, is whether the above "offers" are dependant on which scheme a user was a member of. Could it be that some schemes they're just writing off, or or perhaps alleged debts below £X are being written off.

I got an offer of £600