Reply to: AML IOM ~ smartpay

[Jaxonius]

Pretty sure contacting HMRC for figures is a waste of time - my understanding is that it is your responsibility to provide them with the figures.

I used PCL (AML or whatever they call themselves) and got my figures from them by mailing [email protected] nothing....

For what its worth DO NOT pay AML or PTS or anyone connected with them anything.

Get advice asap - WTT Consulting or Phil@DSW.. or a tax adviser of your choice but do not believe anything anyone connected to AMl tells you
You can fins WTT or Phil via google search..

Also look at https://www.hmrcloancharge.info - this is LON CHARGE ACTION GROUP

There are many people out there fighting this - get on board...and good luck.

[jimpowney]

AML/Smartpay/PTS etc

Hi
Seen posts here and realise how deep this is and how many people caught out
I worked with AML from 2011 to couple of years ago when swapped to Smartpay until April this year so liable for about 7 years HMRC loan settlement issues
I have been in constant contact with AML during and since the HMRC ruling and they have been helpful and were confidant that the "letter of the law" would be upheld in court and therefore the prior loan agreement would be legal even if not moral.

It appears that this is not the case and as previously discussed, PTS rose from the ashes and has quoted me £2700 to deal with 2011-2017 (assume all this means is they will send a total of the loan payments and tell me what HMRC want - not a good deal!! = PTS did inform me as well that for any reduction in liability they arranged, they would receive 20%+VAT of that saving as well!!!!) plus the £400 that AML tax have requested for 2017/18 tax return - even though surely they will only send the loan details so HRMC will just add this to the list of settlements so AML et al continue to cause issues post ruling so I guess £400 to be wasted again?

PTS did tell me that anyone earning under £50k/year would be given 5 years to settle with HMRC

I don't know if anyone can tell me that as the loan agreement is now seen as invalid and I am due tax on these payments, can I then apply expenses to offset the taxable amount as I would have normally had I not used the loan agreement or have I now lost that option?
if HMRC are capable of going back 5-7 years, surely the contractors are allowed the same grace for expenses?

My problem Is that I am a financial cretin so depend on a financial institution from a respected financial state such as Jersey being legal which, although I understood the moral complications, I was led to believe that the loan system was a legal loophole that would probably be closed in the future but that AML had a large team of legal advisors and financial experts that were constantly modifying the contracts so they fulfilled the legal obligations - the ruling either proves this wasn't the case or HMRC found a way around the "letter of the Law"

My only hope now is to contact HMRC directly, request the total amount they believe I am liable for, ask if I can offset expenses against this figure, determine what HMRC want or are prepared to compromise and deal with it from there but if I don't have/can't get this amount, is bankruptcy an option?

Like all of you, this hanging over your head is not something I want and I need to find out the total of my liability so I can make plans for whatever outcome but looking more and more like direct contact with HMRC s the best option as everyone else seems to be using us for their own ends


Any responses appreciated, please don't hammer me if I have got facts wrong - I am supplying to you all the knowledge I received this week from PTS in the hope it may help with your own dealings and hoping that someone may be able to do the same for me

Best of luck to you all

JimP

[Dmac]

Correct - they (AML, Smartpay, Knox House, et al) can see their business is dying and are trying to extract one last sum of money out of their victims. Do not give PTS / Vanquish or whoever else any of your time or effort, or money.

It's a scheme to solve a scheme and you will be caught by HMRC rules.

[ric_77]

AML have suddenly gone quiet that is correct, but its not due to them being busy processing requests for ex-clients, they have just come up with a different way of trying to extract money out of us all by setting up this PTS / Vanquish brand which many consider to be part of the same Knox House group.

Hence, every response for info from them is met with a default reply of 'engaging' with PTS for a fee. It gets worse should you choose to use their services to settle.

Wouldnt touch them or trust them in any way.

[webberg]

Hi i was with Smartpay 2016 to 2017. I have have been asked by HMRC to complete a self assessment for that period. I contacted Smartpay twice and they have told me not to declare the loans and if I do then I'm on my own! Any advice would be gratefully received or info on where I can get help. Thanks

Get advice.

on here the active advisers are WTT (that's me) or Phil at DSW.

A google search will find us both.

We (and I think Phil) offer a free initial call.

[Clouds16]

Smartpay

Hi i was with Smartpay 2016 to 2017. I have have been asked by HMRC to complete a self assessment for that period. I contacted Smartpay twice and they have told me not to declare the loans and if I do then I'm on my own! Any advice would be gratefully received or info on where I can get help. Thanks

[Birgitte909]

AML/Smartpay

Hi ric_77, This is why you need professional support. Part of any settlement process must be to make it "final", tax liability paid, loans released and IHT position understood. I have no reason to believe that AML will prevent an individual from settling their affairs in full.

MLeggsy

I too am ex AML/Smartpay. I was told some time ago that AML had been "rebranded" whatever that means. I have had messages from Knox and Smartpay on my liability under the HMRC smash and grab, but no news on any challenge by AML or Smartpay or anyone else for that matter.

I know exactly what my "loans" were, so can anyone point me to what kind of maximum liability I may have Tax + NI + IHT percentages (is IHT inevitable?)

909

[Sunflowers]

AML loan amounts

Nicolette
Call 0845 624 0075 - this is for AMLTAX, they should be able to provide you your total loan amounts over the phone and email. I also checked with [email protected] for a breakdown of each loan per month/year and checked against bank statements. Some were incorrect so please be sure to check against your statements. Be patient with [email protected] as they do take a while but a few stern mails and I got what I wanted.

Good luck.

Thanks for this information.

I've emailed AML to ask for loan amounts and have had a reply that they're very busy but will provide the information in due course.

I also emailed PTS who had been referred to everyone who received emails from AML, SmartPay and Knox. They will only share the information if you pay the engagement fee (£250).

I'm still trying to figure out the amounts via statements...

[webberg]

Hi LandRover I am in the same situation and want to look at signing up to Big Group however I can't get the link at the bottom of you post to work.
Could you confirm where I can get more information?

Thanks

Go to WTT Consulting website and follow the links from there.

[CockneyRed]

AMLTAX

Hello

I’m working with WTT to agree a settlement with HMRC. WTT is asking for details about:
-outstanding loans
-the scheme I was on
-my remuneration.

AML has gone very quiet or late (no doubt they’re inundated with requests at the moment) and obviously time is of the essence.

Has anyone had any luck getting this information from AML?

Thanks in advance. Thank goodness for this forum, it’s been a real help in what has been a stressful time for us all.

Nicolette
Call 0845 624 0075 - this is for AMLTAX, they should be able to provide you your total loan amounts over the phone and email. I also checked with [email protected] for a breakdown of each loan per month/year and checked against bank statements. Some were incorrect so please be sure to check against your statements. Be patient with [email protected] as they do take a while but a few stern mails and I got what I wanted.

Good luck.

[EddieMc]

Big group link help

Unfortunately you may have a few more...many of us ex-AML people joined Big Group. We have a strategy and it won't get discussed on public forums. AML are still around but they are so slow and hard to get information from, because unfortunately there is a climate of paranoia as HMRC do frequent these forums and so understandably they do not want others privy to it.

We have difficult decisions as individuals but the collective members of Big Group is a life saver for many of us.

Hi LandRover I am in the same situation and want to look at signing up to Big Group however I can't get the link at the bottom of you post to work.
Could you confirm where I can get more information?

Thanks

[Nicolette]

Getting settlement info from AML - any luck?

Hello

I’m working with WTT to agree a settlement with HMRC. WTT is asking for details about:
-outstanding loans
-the scheme I was on
-my remuneration.

AML has gone very quiet or late (no doubt they’re inundated with requests at the moment) and obviously time is of the essence.

Has anyone had any luck getting this information from AML?

Thanks in advance. Thank goodness for this forum, it’s been a real help in what has been a stressful time for us all.

[ProjectMan]

Smart Pay AML

I am in the same boat, do not believe the rubbish they are spinning read [https://w ww.rossmartin.co.uk/investigations/amenstiesdisclosure-opportunties/3049-disguised-remuneration-2017-settlement-opportunity[/url]

I have sort advice from a tax accountant re smart pay AML. I would speak to a tax accountant and assess your liability under the HMRC settlement opportunity.

[burnside]

I first asked for copies of my loan agreement and contract of employment with them from 2010/11 in mid January, always get a response saying that will send over asap but as they had been archived may take a few days, I have chased every week since, this is the response I get each time;

"I have chased for you again today. I do apologise for the delay in getting these documents too you.

I will be in touch as soon as I hear back."

Just how difficult can it be?

[MLeggsy]

Playing their cards close to their chest

thanks for the info, they have indeed gone very quiet and although they reply to some emails its very basic and vague.

That's the AML way ric_77, they never seem to give anything away and only ever give the minimum responses to my requests. I suppose if they have a plan then why would they advertise it?

MLeggsy