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Recent content by why

  1. W

    Gladstone/Felicitas

    But that is not what I asked, I asked as why some early loans had been completely written off i.e. pre April 2011. In those written off cases there is no 'loan' whatsoever outstanding and no offer of 'final settlements', they, themselves have written the loans off and sent emails to some members...
  2. W

    Gladstone/Felicitas

    I'm confused, is this 'screw up' to do with those earlier schemes where they had written them off?
  3. W

    Gladstone/Felicitas

    Sorry, didn't realise it was a 'screw up', just some sort of change in T&Cs. My point about FC or another form of them coming back later on for a second helping is valid. PM me if you think the reasons are sensitive, I just want to know if that email 'evidence' will cover people or not down...
  4. W

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

    <Mod: Post modified to protect a poster> By all means use that quote if it helps, I'm sure it would have been sent out to all contractors using Darwin. I have the original, just wouldn't want my name being put up to HMRC in case they wanna try and find another way of charging me!
  5. W

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

    Here is something else I found in my emails (if your reading this you scumbags I have all correspondence). It was an email sent out in February 2011 before the new tax year for 2011/2012. There was a change or signing of docs which I never completed, since luckily, I smelt a rat and terminated...
  6. W

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

    :wink certainly a lot of other clowns in an office and not just the clown in IT
  7. W

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

    Any verdict on the Sanzar\Darwin pre April 2011 schemes and why they appear to be written off?
  8. W

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

    Agree, since some here are getting these write-off letters and changes the goal posts. I'd (and probably everyone else here, since it could settle the legality for many, of what has been debated on here), also like to know from the experts whom have posted throughout whether in the future...
  9. W

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

    Before I respond to them (or not) I'd like to ask the experts if this email would stack up in several years time or considering this whole thread and contractors being told to calm down and see it legally, is that email worth anything as defining evidence in years to come or if somebody had...
  10. W

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

    For ref: " FELICITAS ARE WRITING OFF YOUR DARWINPAY DEBT We are writing to you to inform you that we have decided to write off your DarwinPay debt to us. Your total DarwinPay debt was (as per your last loan statement) SUM AMOUNT REMOVED If you require a Debt Settlement Agreement from us that...
  11. W

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

    That may be a fair point, they should know where the funds are and why was nobody consulted before doing anything or selling the lot on. Not that I know anything about that lot but surely a reasonable request
  12. W

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

    Did FSO say that they weren't FCA approved? Ought about Darwin?
  13. W

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

    Yeah, it comes across like that and if I was reading all of this as one of 'scammers' I'd be quite happy with what is being concluded on here. I might even do a bit of baiting here to.
  14. W

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

    Not a clue since these 'loans' had no formal format. My understanding is a loan should have T&Cs such as 1: Interest rates 2: Period of loan and repayment terms 3: Unsecured - generally less than 25k 4: Credit agreement for all of the above laid out and a copy given to the borrower Not quite...
  15. W

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

    So if I'm reading that link right, some firms working on behalf of contractors tried to negotiate a settlement which leaves the contractor having to pay up a percentage at best and that the debt is genuine? I do understand that they are helping and may get the so called debt down considerably...
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  1. Contracting
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