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Felicitas Solutions & FS Capital – Letter Enforcing Loans

Felicitas Solutions & FS Capital – calling in your loans…

Felicitas Solutions & FS capital – letters

PLEASE NOTE THAT WE ARE NO LONGER TAKING ON NEW PRO BONO CLIENTS IN RELATION TO THIS MATTER. If you would like our assistance please email enquiries@etctax.co.uk with your details and a copy of the letter(s).

Have you received a letter from either Felicitas Solutions or FS Capital attempting to recall a ‘debt’ or offer to release such a loan if you make them a payment?

This is likely to be the first you have ever heard of these companies.

The back story is that you, knowingly or unknowingly, entered in to a contractor loan scheme with IQ, Garraway, Sanzar or a number of other similar and sometimes associated contractor avoidance schemes.

You may well have settled any dispute with HMRC on the basis that these loans should be taxed as earnings or. Alternatively, you are waiting to see how the loan charge develops between now and Royal Assent of FB2020 following Sir Amyas Morse’s recent review.

Alternatively, or additionally, you may also be under HMRC enquiry for your affairs and may have received an Accelerated Payment Notices (“APNs”) in relation to these schemes.

As such, this letter will have no doubt added to your financial stress.

What is this letter talking about?

The basis for their claim is that they say the original provider of the loan scheme – for example ECS International Trustees or Professional Independent Trustees – has assigned their book of debt to them.

FS Capital and / or Felicitas Solutions, as the purported new owner, are now looking for repayment of the loan or offering a ‘loan busting’ scheme.

Despite these assertions, in the letters we have seen, there is no supporting evidence that any assignment of the debt has taken place.

We have seen previous versions of this exercise conducted through an entity called Helpline Services Limited. This entity is now in active strike off at Companies House.

What should I do?

We have serious concerns and question about the events as allegedly set out. As such, we would urge you to discuss the matter as soon as possible with a professional.

Certainly, do NOT pay this amount without first obtaining proper advice.

Due to our concerns about this development we are happy to commit some of our time to respond to this first letter on your behalf as part of our pro-bono scheme.

 

**If you would like our assistance please email enquiries@etctax.co.uk with your details and a copy of the letter(s)**

 

If you have any queries about this article or would like any assistance in responding to the letter you have received from Felicitas Solutions or FS Capital, then please email us at enquiries@etctax.co.uk

35 Comments:

  • Imran Hussain / Reply

    I would like some advice about the letter I received from Felicitas Solutions last week. My contact number is 07887712348.

    Thanks.

  • dave carron / Reply

    Dear Andy,
    I have today received one of the letters you refer to. This presumably relates to my participation in the Winchester Scheme in 2013-14 tax year. Full settlement has been reached with HMRC.

    I would like to discuss the letter I received and take your professional advice on how to proceed.

    Thanks & Regards,
    Dave Carron
    07795201781

  • Melvin barks / Reply

    Hi just received a letter from felicitas solutions telling me i have a debt -loan from 2015 of £689.96 this was paid has a loan on wages i had earned, this his the first contact off iq consulting/felicitas over this matter can you point me in the right direction?
    Thanks melvin barks

  • Alícia Gomez / Reply

    Hello
    I have received a letter from Felicia it’s Solutions requesting £25,600 on behalf of Winchester Trust.
    They had never provided any loans, it was a fake scheme, our money was washed three their accounts and will send it back indicating is a loan, when I have never received a loan, I want to reported to the FCA and the HRMC on their fraud scheme requesting alleging loans when it was our own money going in and out of their accounts.
    They need to be prosecuted
    Best regards
    Alícia

  • Kevin Wybrow / Reply

    Received letter from Felicitas Solutions asking for 112,800.00.
    I have written to Baker Tilly who I believe controlled the trusts and therefore the loan books.
    I was with Winchester (IOM) on leaving 7 years ago I was on the understanding all was settled. Now aI find that BT sold the loan books to other companies to take pressure off themselves now these companies are calling in! Smacks of fraud to me.
    I have also written to Felicitas requesting dates/amounts etc which is a legal lending/ loan requirement.
    I would appreciate your comments and advice, not yet taken legal action as waiting for responces.

  • Simon Oborne / Reply

    Dear Andy,
    I have today received one of the letters you refer to. This relates to my participation in the Winchester Scheme in 2015 tax year. I was in the scheme for a short while and have subsequently been investigated for this by HMRC and have accepted a settlement for the under paid tax. The letter states a figure of 5499.38 for the debt.
    I would like your professional advice on this and how to proceed.
    Best Regards Simon

  • David Edwards / Reply

    I have received letter from Felicitas Solutions and now Gladstones. Desperate for help tbh, have lived with this crap for 8 years and in my case, it’s a lot of money we’re talking about. I want to simply tell them to jog on but appreciate there is probably a better way to do this.

  • Henry Morgan / Reply

    Hello,

    I have received a letter from Felicitas demanding money
    Can you please contact me to discuss
    Thanks
    Henry

  • Hi new to the group.

    I have also received a letter and would like some advice from you.

    • Hi Chros,

      Thanks for the message.

      We have been inundated with responses to this service. Please forgive the impersonal nature but we have set out a new procedure so we can help as many people as possible.

      This can be found at:

      https://www.etctax.co.uk/letter-from-gladstones-solicitors-regarding-felicitas-and-contractor-loans/

      There are two routes:

      1. Do it yourself – we provide an editable version of the response to Gladstone’s. Edit where indicated and send to Gladstone’s on a recorded delivery basis; or
      2. We can assist you – however, you will need to complete and sign the authority letter to enable us to speak to them which, again, is provided on the website.

      Both options are at our cost.

      Hope this is clear.

      Kind regards
      Andy

  • I have received a letter from Felicitas and Gladstone for repayment of loans which I am unaware of. I have almost completed settlement with HMRC. Now Gladstones are asking for, what is for me a large amount of money which I don’t have.

  • I have received a letter from Felicitas and Gladstone for repayment of loans which I am unaware of. I have almost completed settlement with HMRC. Now Gladstones are asking for, what is for me a large amount of money which I don’t have.

  • I’ve received a letter from Felicitas and Gladstone for repayment of loans which I am unaware of. I have almost completed settlement with HMRC. Now Gladstones are asking for, what is for me a large amount of money which I don’t have.

  • Zalika Wallace / Reply

    Hello

    I too have received the letter from Gladstone’s Solicitors and would like advise on how you can help?

    Thank
    Zalika

    • Hi Zalika,

      Thanks for the message

      We have been inundated with responses to this service. Please forgive the impersonal nature but we have set out a new procedure so we can help as many people as possible.

      This can be found at:

      https://www.etctax.co.uk/letter-from-gladstones-solicitors-regarding-felicitas-and-contractor-loans/

      There are two routes:

      1. Do it yourself – we provide an editable version of the response to Gladstone’s. Edit where indicated and send to Gladstone’s on a recorded delivery basis; or
      2. We can assist you – however, you will need to complete and sign the authority letter to enable us to speak to them which, again, is provided on the website.

      Both options are at our cost.

      Hope this is clear.

      Kind regards
      Andy

  • I have sent an email to the mail box with the letters attached.
    Any advise and guidance will be most appreciated in this situation.
    Many Thanks for your help.

  • Hi Sir,

    I have received letter from Felicitas Solutions about a loan repayment. Please can I have you professional advice.

    Thanks

    B C

    • Hi B Chi,

      Thanks for your message.

      We have been inundated with responses to this service. Please forgive the impersonal nature but we have set out a new procedure so we can help as many people as possible.

      This can be found at:

      https://www.etctax.co.uk/letter-from-gladstones-solicitors-regarding-felicitas-and-contractor-loans/

      There are two routes:

      1. Do it yourself – we provide an editable version of the response to Gladstone’s. Edit where indicated and send to Gladstone’s on a recorded delivery basis; or
      2. We can assist you – however, you will need to complete and sign the authority letter to enable us to speak to them which, again, is provided on the website.

      Both options are at our cost.

      Hope this is clear.

      Kind regards
      Andy

  • Thanks for all your efforts Andy, very commendable of you to be helping out all these people myself included for no cost. Surely there are too many holes in this approach by Felicitas – a link to all the evidence. We are dealing with amatuers, its a shame the government and HMRC dont support me after I paid my tax bill. Good having you in my corner.

  • Hello Andy,

    I have received a letter by Felicitas Solutions with a final settlement to settle my outstanding debt for 5% of the balance.

    In 2017 I worked as a Freelancer and had not been registered as self-employed with HMR. Therefore, I used Hamilton Bradbury (as my umbrella agency) and Infinity Contracts as a third party trustee to process my payments from my two employers for the work I provided.

    However, now the sum of money that I earned is considered as the outstanding debt as Infinity contractors paid my wages in two instalments each time (1. min wage 2. the rest of the amount as a loan).

    The money that Infinity transferred into my bank account was all mine that I earned for the work I provided to my employer.

    I need professional advice. Can you please help or direct me to a helpline or contact?

    Thank you!

    • Hi Renata – I have emailed a response to you. Rgds A

      • Hi Andy,

        Same as Renata – I have received an email by Felicitas Solutions with a final settlement to settle my outstanding debt for 5% of the balance.

        In 2017 I worked as a contractor. Therefore, I used a umbrella agency and I think Infinity Contracts as a third party trustee to process my payments from my two employers for the work I provided.

        However, now the sum of money that I earned is considered as the outstanding debt as Infinity contractors paid my wages in two instalments each time (1. min wage 2. the rest of the amount as a loan).

        I would be very grateful for your advice.

        Sincerely

      • Nuno Cunha / Reply

        Hi Andy and Renata,

        Would it be possible to get your advice on this as well, as my wife is in the same exact position as Renata (however my wife did use IQ as umbrella) and we don’t really know what to do?

        Felicitas Solutions keeps on contacting my wife offering an option to settle the outstanding debt for 5% of the balance, however, they are now saying this offer will end at the end of May 2020, and we are finding all of this very odd.

        Can we please get your advice on this subject?

        Thanks in advance.

  • Hi Andy, would love your advice on how to proceed with my current issue with Felicitas Solutions Limited. I worked for a teaching supply agency back 2015-2016 very briefly and was unknowingly paid via a loan scheme through eximius solutions (I think).

    I was contacted by Felicitas Solutions who stated that they had acquired my debts and have since sent me several letters asking for payment, most recently they’ve contact me stating that I can make a final settlement offer by paying settling 5% of the outstanding balance.

    Luckily, I only worked for a couple of weeks at this supply agency so the total loan balance was only at £250. I have already settled in HMRC, paying the tax that I owed on the loan which was £50. I just wondered what your advice would be on paying the 5% to FS or even paying in full? Am I legally obliged to pay them back the total debt? I am just concerned that they will keep chasing me for this money and dont like have it looming over me.

    Really appreciate your help!

  • Abigail Sarfo / Reply

    Hello Andy,
    I too am in the same situation as Renata above. Used Infinity Contracts and Choice Contracts as Umbrella companies in 2017 and 2018. My own wages were played in two instalments.; minimum wage and the rest paid as a loan. I am settling with HMRC at present. I am being asked by Felicitas Solution to settle my dept for 5% of the total. Can you advice me on what to do please.

  • Michael Friel / Reply

    Dear Andy
    I have emailed you again this week with the correspondence from Felicitas Solutions. I would appreciate some guidance on how to respond.
    I have been advised separately not to respond to Felicitas as this may validate the fact that I am accepting that I am in a binding loan contract with them as the holder of the supposed debt. So, as you can imagine, I am somewhat confused.
    This matter is causing me quite a lot of personal stress so understanding the current thinking and way forward would be appreciated.
    I am open to joining a group action on this should that be determined to be the best way forward.
    Kind regards
    Michael

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