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Joy Nicholas
Joy Nicholas, Lawyer
Category: Bankruptcy Law
Satisfied Customers: 1889
Experience:  Lawyer
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I've received a letter from a company demanding money from

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JA: Hi. How can I help?
Customer: I've received a letter from a company demanding money from me
JA: Where are you? It matters because laws vary by location.
Customer: They seemingly have bought a debt from another company and are now.demanding this money from me
JA: What steps have you taken so far?
Customer: I'm in East London
JA: Anything else you want the Lawyer to know before I connect you?
Customer: This money that they claim I owe is my money I earned working and was paid to me via an offshore account.
Customer: replied 3 days ago.
This income was paid to me as a dividend (loan) and now is being sought even though I earned it by selling my services. The originql company Q contracts paid contact tors the money as gifted loans and now this company is claiming ownership of those debts 7 years later. I have not acknowledged their correspondance as it would ignite responsibility of the debt and I don't owe them anything.
Hi, thank you for your message. Welcome to just answer. My name is***** and I am very sorry to hear about your situation. I hope my answer can help you today. Can I confirm do you have evidence to support your case?
Customer: replied 3 days ago.
Hi Joy
Customer: replied 3 days ago.
I'd appreciate some assistance
this is the company I received the letter from
Customer: replied 3 days ago.
Customer: replied 2 days ago.
I invoiced for my services as a contractor on three occasions (±£23k) back in 2013 when I thought this scheme was legit. I've subsequently paid back £11k to HMRC in overdue tax in 2018 and thought that that was the end of it. Now I'm being harassed by these people for what isn't theirs.
Customer: replied 2 days ago.
In response to your question: yes I have evidence that IQ consultants entered into this off shore scheme with me, as I passed on all of this info to HMRC. HMRC will also have evidence of me repaying my tax debt too.
Customer: replied 2 days ago.
Please can you help?
Customer: replied 2 days ago.
Hi Joy, are you still there?

Hi, thank you for your message. Again I am very sorry to hear about your situation. I would advise that you write them a letter setting out your case. You should attach evidence to support your case. As there is no contract in place between you and the company they cannot demand the funds. You can read more about the elements of a contract here: I would advise that you find a solicitor in your area to represent you and draft a reply on your behalf. The solicitor will be able to weigh all the evidence before them and help you build a strong case. You can find a solicitor by using the law society find a solicitor link here: You will be able to search by specialism and also town or postcode to find one near you. You may qualify for legal aid if you have low income and want to take the case to court. You can check if you can get legal aid here: You can find a legal aid solicitor by using this link: Legal aid is free assistance to people who cannot afford to pay legal fees such as legal advice and proceedings. You could also visit your local Citizens Advice Bureau (CAB) ( For more information please visit: CAB’s are accessible in different areas in the country providing free legal advice to individuals who cannot afford this. You can contact them by phone to book a face to face appointment. They may also be able to provide phone appointments. Moreover, you might be able to find a pro bono lawyer by attending/contacting a LawWorks Clinic. A probono lawyer is a free lawyer. The LawWorks Clinics Network is a network of free legal advice sessions that LawWorks (the Solicitors Pro Bono Group) supports. For more information and to find a network near you please visit the following website: You can also find other means of getting help with legal fees using this link: I hope this helps and I wish you all the best in dealing with this matter. Please do not hesitate to contact me should you have further questions regarding this matter. I am happy to answer follow-up questions - please do get in touch with extra information or further queries and I will do my best to help you. Best wishes.

Customer: replied 2 days ago.
Hi Joy, thanks for all the useful links. I'm not keen to write them as they don't deserve my time. They are opportunists and me acknowledging them will reset the clock on the time there was any contact with the creditor – whether it was a payment made, a letter or a telephone conversation – has been six years, this means that the debt has become “statue barred” and the creditor is no longer allowed to pursue you for payment or take any further legal action against you.
Customer: replied 2 days ago.
Did you read the article I shared in the link? This is not an isolated case and is happening to thousands of contractors across the country.

Hi, thank you for your message. Yes I read the attached link. If you chose not to contact them they may keep contact you. I would advise that you contact them through a solicitor in your area. Best wishes.

Customer: replied 2 days ago.
I can continue to throw their letters in the bin since they have no case right? Or what other action could they take?

Hi, thank you for your message. You should keep the letters until the case is closed even though they do not appear to have a case. The best way forward is to get a solicitor in your area to reply on your behalf to close the case.

Joy Nicholas and other Bankruptcy Law Specialists are ready to help you
Customer: replied 2 days ago.
Thanks Joy, have a good day/weekend.

Hi, thank you for your message. I am glad I was able to help. Have a great day.