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[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...

[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...u-...

[cojak]

FFS, this again. WTFH , could you work your magic on this please (I’m just not as good a digger as you)....

[cojak]

Back like a bad smell… The above advice still stands....

[cojak]

You missed this thread then Using an Umbrella? CHECK YOUR TAX CODE!!...

[cojak]

Basically it all boils down to this.



Because Iliketax is right…





There is nothing in Companies House that would show this arrangement between Umbrella Requirements Ltd and BWM Ltd....

[cojak]

The most recent additions and updates to the list of named tax avoidance schemes, promoters, enablers and suppliers in section 3 below were published on 9 April 2026.

Addition:

• Wiz Systems Limited

...

[cojak]

Here is a link to an update for Umbrella Link Ltd. https://forums.contractoruk.com/hmrc...ml#post3023918

And here is a link to a fight with the Tax Barrister (which he lost to Dan) involved with Umbrella Link Ltd....

[cojak]

The most recent additions and updates to the list of named tax avoidance schemes, promoters, enablers and suppliers in section 3 below were published on 26 March 2026.

Addition:

• Umbrella Requirements Ltd

Hmmm… URL > BWM > PASL...