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[cojak]

We don’t dox anyone, but we will be looking carefully…...

[cojak]

All I can say to this is please don’t rely on AI alone. You will need professional advice to be able to respond to this.

[cojak]

Provided you know the right prompts....

[cojak]

Dan Neidle has said that he’d love to see one of these letters.

He is the soul of discretion so if you are happy to you can contact him here (and mention you’ve come via CUK to give him context)....

[cojak]

Very happy Greg, not a problem. I’m sorry to repost you but is was a very pertinent post....

[cojak]

I think that they were going to use the quantity of documents and the solicitor’s letter to make people think that there was a legitimate case against them, and to frighten them into simply paying up without getting legal advice first.

That’s it.

What they didn’t predict...

[cojak]

Ask AI about the history of this claim, it should go back to IoM schemes. If it doesn’t you may have wasted your money....

[cojak]

Yes, I did....

[cojak]

Weren’t these originally Garraway EBT schemes?

Edit: actually, more than one,...

[cojak]

Yes, we’ve said that....

[cojak]

It is VERY likely that these loans were not consumer loans - the loans were an employee benefit and not subject to any consumer credit law.

But your second point is a very good question…...

[cojak]

Agreed and done. I’ll reopen once this has passed but in the meantime time please go to the thread above....

[cojak]

Thank you Superfly , I have updated my post.

I repeat - get proper (legal) advice tomorrow morning. Don’t delay as this needs to be dealt with quickly (14 days max is my guess).

[cojak]

Read the link that QueasyRider posted....

[cojak]

Thank you QueasyRider , this is very useful.

Guys, read the link that QueasyRider posted....

[cojak]

It appears that Elysium is indeed involved https://elysium-law.com/news/contrac...uldnt-pay-yet/ (Note that I am not endorsing Elysium, merely pointing out that they are involved).

Edit: oh Good Grief, that article is dated 2024. Why the feck is this still rearing its ugly head again? This...

[cojak]

I would just like to point out to newcomers that what WTFH posts are publicly available facts.

And I will stand by my opinion that their website is crap, and the fact that their website does not meet business website requirements. (As of today, 25/04/26).

[cojak]

And don’t worry about their website, it’s crap and doesn’t meet the legal requirements for a business website.

[cojak]

A very good point....

[cojak]

Right - we’ve seen this before so I’m giving out immediate advice:

SENDING YOU THIS ON FRIDAY/TODAY WAS A DELIBERATE TACTIC TO PANIC YOU INTO RESPONDING BEFORE YOU GET PROPER ADVICE - DO NOTHING UNTIL MONDAY.

Also, read this thread https://forums.contractoruk.com/hmrc-sche...