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IDCompany / PersonClaim TitleIncident DateAddedPostsAdd commentDetails
29193Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
Paymatters.co.uk Could they and their clients now go to prison »201326/04/20130
Paymatter, could they and their clients now go to prison under new tax avoidance law's ???? Just released!

The so-called big four accountancy firms are using knowledge gained from staff seconded to the Treasury to help wealthy clients avoid paying UK taxes, according to a report by the Commons public accounts committee.

Deloitte, Ernst & Young, KPMG and PricewaterhouseCoopers have provided the government with expert accountants to draw up tax laws. But the firms went on to advise multinationals and individuals on how to exploit loopholes in legislation they helped to write, the committee found.

Margaret Hodge, the committee's chair, said the actions of the accountancy firms were tantamount to a scam and represented a "ridiculous conflict of interest" that must be stopped. "The large accountancy firms are in a powerful position in the tax world and have an unhealthily cosy relationship with government," she said, calling for the Treasury to stop accepting their staff to draw up new tax laws.

Speaking on BBC Radio 4's Today programme on Friday, Hodge called for the introduction of a tax-planning code of practice to ensure that accountancy firms brought in by the government to "transfer intelligence and innovation" did not use their position to their clients' advantage.

"Tax reliefs are one of the great areas where the accountancy firms and the lawyers and the companies themselves do take advantage of these perfectly legitimate intentions of government and use them to avoid tax, and I just think it's not on," she said.

"There's a perfectly simple way around this. There should be a code of practice whereby the accountancy firms who do come in and give that technical advice � can't then go off and flog the schemes."

On Thursday, David Cameron set out plans to use Britain's chairmanship of the G8 to tackle what he described as staggering worldwide levels of tax evasion and avoidance.

The public accounts committee (PAC) claims HM Revenue and Customs had to seek outside help because it was engaged in a "battle it cannot win" in seeking to stem the losses to the exchequer from tax avoidance.

The accountancy giants employed almost 9,000 staff and earned £2bn a year from their tax work in the UK, and £25bn globally, the report claims. MPs found that Revenue and Customs had far fewer resources, particularly in the area of transfer pricing: complex transactions deployed by multinational companies in order to shift taxable profits to low-tax jurisdictions. "In the area of transfer pricing alone, there are four times as many staff working for the four firms than for HMRC," the report says.

The committee highlights the way the firms seconded staff to the Treasury to advise on issues in the drafting of legislation. "Through their work in advising government on changes to legislation they have a detailed knowledge of UK tax law, and the insight to identify loopholes in new legislation quickly," it says.

One example in the report is that of KPMG, whose staff advised on the development of "controlled foreign company" and "patent box" rules, and then issued marketing brochures highlighting the role they had played. The brochure "Patent box: what's in it for you" suggested the legislation represented a business opportunity to reduce tax and that KPMG could help clients in the "preparation of defendable expense allocation".

The committee is "very concerned by the way that the four firms appear to use their insider knowledge of legislation to sell clients advice on how to use those rules to pay less tax", the report adds.

The report was welcomed by Prem Sikka, professor of accounting at University of Essex. "They [the big four] are the epicentre of a global tax avoidance industry and the loss of tax revenues is directly responsible for the current economic crisis. The Treasury should follow the US authorities and prosecute and fine the firms. The habitual offenders should be shut down," he said.

Officials from HMRC rejected criticisms that tax officers were not making progress in tackling avoidance. "The facts show that we are not only aggressively fighting battles against tax avoidance, but we are winning them,"

O Dear!

more details »






29211Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
PayMatters Miles Grady is NOT a TAX lawyer! »201327/04/20130
I could't help but notice a PayMatters Ltd advert that states it was founded and run by a TAX experts. Funny but I know Miles Grady and he is not a TAX expert. If fact he spent the last 15 - 15 years running a debt management company called Harrington Brooks. Miles Grady is not a TAX lawyer, I worked with him nearly all his working life. Debt Management is certainly not a background for TAX advice. Not sure about the credibility here at all, but that's just my opinion Iv'e only known him over 20 years and I am now just about to sue him for millions for corporate fraud over Harrington Brooks which was my company which I founded. If you would like to check this go to companies house and check previous names of Harrington Brooks Or Griffin Finance.

Don't take my word for it just look at the complaints he knocked up while I was not in control!

more details »


29338Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
Paymatters, are they giving illegal advice? »201317/05/20130
Paymatters. can i now be convicted under paymatters advice with new tax laws. who is liable if i am now committing tax none-compliance `???

Anti-Avoidance Group
HM Revenue & Customs Anti-Avoidance Strategy
The Strategy
A small minority of HM Revenue & Customs (HMRC) customers continue to engage in tax avoidance, which undermines the delivery of fair tax outcomes. We aim to persuade our customers not to attempt to engage in avoidance by:

making tax law robust against avoidance
engaging with our customers about our approach to avoidance
optimising our operational response to avoidance; and
changing the economics of avoidance to make it less attractive
so that the expected costs, difficulties and risks of attempting avoidance outweigh the expected potential gains.

Why tax avoidance is a problem for everyone
Her Majesty's Revenue & Customs (HMRC) and HM Treasury (HMT) have a shared objective of minimising the tax gap (that is, the difference between the tax collected and the tax we think ought to be collected). We want to provide our customers with a level playing field while maintaining the UK's international competitiveness. Our strategy for delivering this objective is through encouraging everyone to pay tax at the right time and vigorously tackling those who deliberately avoid their responsibilities.

In the UK the tax loss from avoidance is estimated to run into several billion pounds across both direct and indirect taxes. This directly affects the delivery of public services and long-term economic growth. Avoidance distorts markets, is economically unproductive and breaks the link between economic productivity and reward.

The vast majority of our customers do not participate in tax avoidance and will stand to benefit from HMRC's anti-avoidance strategy. HMRC is taking a proportionate, risk - based approach to avoidance, which is consistent with HMRC's commitment to supporting our customers.

What is tax avoidance?
HMRC's Anti-Avoidance Group (AAG) offers guidance about what factors indicate that tax avoidance may be occurring. It is impossible to provide a comprehensive definition of avoidance - HMRC's guidance describes the sorts of activity that HMRC may perceive as avoidance.

Based on an understanding of HMRC's guidance, our customers ought to be aware when they are undertaking activities that HMRC may regard as tax avoidance and thus taking on higher risks.

The ways to achieve the strategy will include the following.

We will quickly and expertly prevent and close down avoidance by effective legislation
We will engage with our customers about how we address avoidance
We will know what avoidance schemes or bespoke arrangements are being marketed and used
We will know which organisations and individuals are more likely to carry out avoidance and organise our resources accordingly
We will treat those who avoid their tax obligations as higher risk than organisations and individuals who do not
We will be proactive at challenging avoidance by investigation and effective litigation
We will take a strategic approach in litigating avoidance cases
We will comment on selected activities which we think are ineffective
We will measure progress by:
Observing any identifiable changes in the avoidance tax gap.
Collecting and examining qualitative and anecdotal evidence.
Identifying process efficiencies (such as improvements in the robustness of budget measures) and cost savings.
Baseline measurement of perception of risk and monitoring of changes.
AAG will lead the implementation of this strategy, but its success will depend on active engagement with our customers and collaborative working:

across HMRC
with HMT
internationally through the Joint International Tax Shelter Information Centre, OECD and the European Union
This strategy was produced by HMRC's Anti-Avoidance Group in consultation with the wider Department and HM Treasury. It will be kept under review and is subject to change to reflect changing circumstances.

We will quickly and expertly prevent and close down avoidance by effective legislation.
By working collaboratively across HMRC and with HMT, skilled tax technical resource will minimise avoidance opportunities in new legislation. New measures will be designed to be robust against avoidance and, where necessary, further testing by avoidance experts will be conducted. Technical resource will also be directed at assessing vulnerabilities within existing legislation, to predict and prevent the evolution of tax avoidance. We will review the need for and, if necessary, we will seek more effective powers for dealing with avoidance. It is for Ministers ultimately to decide on policy changes.

Protocol on unscheduled announcements of changes in tax law
Where urgent legislative action is needed to counter tax avoidance it will be taken in accordance with the Government's Protocol on unscheduled announcements of changes in tax law (PDF 25K).

Top
We will engage with our customers about how we address avoidance.
We will share with our customers our internal guidance about what kind of indicators would lead us to examine a case from an avoidance perspective. Our general policy to consult whenever possible on new measures will extend to anti-avoidance measures.

See also Guidance on Avoidance Indicators and Spotlights

Top
We will know what avoidance schemes and bespoke arrangements are being marketed and used.
The disclosure rules will provide increased transparency and intelligence, enabling us to discover avoidance more quickly. HMRC will continue to gather intelligence through consultation both formally and informally across the department and with HMT, taxpayers and tax practitioners. New databases will ensure that all intelligence on avoidance activity is captured centrally and shared appropriately.

Top
We will know which organisations and individuals are more likely to carry out avoidance and organise our resources accordingly.
Increased intelligence capabilities, supported by greater transparency will mean that HMRC will be more likely to spot avoidance than now. Using new databases and tools for data matching HMRC will be able to draw on and share an extensive source of high quality information to ensure high-risk taxpayers are identified.

Top
We will treat those who avoid their tax obligations as higher risk than organisations and individuals who do not.
We will encourage and help taxpayers to meet their obligations. Where HMRC identifies a risk that avoidance is present, we will apply our investigation, litigation and policy resources to match that risk.

Top
We will be proactive at challenging avoidance by investigation and effective litigation.
HMRC will develop a climate in which avoiders face increased risks of investigation and litigation. AAG will lead on HMRC's avoidance scheme resolution policy, setting out a consistent approach to help achieve a long-term change in taxpayer behaviour. This approach will include seeking penalties in appropriate circumstances. Avoidance arrangements which may involve dishonesty or criminality will be identified and reviewed for potential criminal investigation.


We will take a strategic approach in litigating avoidance cases.
By using project management techniques we will identify taxpayers who have undertaken similar or connected avoidance arrangements. Protective measures will be put in place to prevent loss of tax pending the outcome of lead cases. Following the successful outcome of litigation, HMRC will ensure that the collection of tax outstanding is maximised. This way of working will promote a consistent approach for each scheme and across all schemes.

Top
We will comment on selected activities which we think are ineffective

more details »


29383Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
Paymatters Directors VAT immoral/ilegal? »2005- 201324/05/20130

My name is Ian Griffin;
I was in my early twenties when I founded a company called "Griffin Finance Ltd" which I later changed to "Harrington Brooks Accountants Ltd". (Check Companies house register for details)

I had put everything I had into this business, from coming up with the concept to all my savings and time. As the business proved to be a success I went on and employed my two neighbors and friends, Nick Holmes and Miles Grady to run the sales and bookkeeping for the company.

I thought, if I had to trust anyone it was better to trust two friends than two strangers. To cut a very, very long story short, my first problem came when I had to make Mr. Holmes and Mr. Grady equal partners in the company as they had threatened to leave once we were in a position where I could not manage the company without them, as they knew.

Doing this I had given them control of my company with 66.6...% of the voting rites together. I even had to guarantee them both £50,000 per year (which was nearly double their current salaries) and a company car out of my own pocket incase the company failed in the future. 


A few years later Nick & Miles approached me and asked me, and I quote "Would you like to cash in your shares as myself (Nick) and Miles just want to keep Harrington Brooks SMALL, we DON’T want to expand any more as you do, we want to keep Harrington as a SMALL family business. I'm sure you can make more money with the cash elsewhere?" Based on everything THEY reported my shares were worth just over £1,200,000. (The actual figures revealed that they were worth 5-7 times that)

I then took advice from a friend and accountant who knew Miles and Nick - he told me "Be careful Ian, it's all a bit sudden after all this time.... make sure they sign an embarrassment clause.

This is a contract to say that if the directors, Nick Holmes or Miles Grady were refinancing or selling the company at the time or within a reasonable length of time, in the future, without my knowledge, I would be able to claim back the difference as it breaches their responsibilities to their shareholders. This act is also corporate fraud and can carry a prison sentence, but the contract makes it much easier and quicker to reclaim the money as opposed to suing and criminal proceedings, which would take years. 



Business law is very clear here, the directors must inform the major shareholders of any such activities as they happen or if they know they will in the future (fiduciary duties). The law protects shareholders from dishonest directors (with insider knowledge) buying out shareholders whilst constructing a better deal for themselves without the company owner’s knowledge or even knowing there is a higher value deal on the table in the future. I called Nick Holmes at the time and said to him "Nick, will you just sign this simple document so I know there is nothing going on now or in the near future that I don't know about? " Nick Holmes would not sign it, in fact he made me feel so guilty for asking and not trusting them I withdrew the contract. He even swore on his child's life. I felt ashamed of myself for asking. Later that week I accepted their offer. 



The next thing I knew Harrington Brooks was all over the Manchester newspapers. Part of Harrington Brooks had been sold for around £15,000,000 according to the press releases. You don't have to be the Chancellor to work out what happened.

An honest person might say Miles and Nick constructed this deal before they approached me to sell my shares. Never mind the supposed entire reason for the buyout was for Nick and Miles to keep the company SMALL and NOT to expand or sell as I was the one who was always pressuring them to bring in venture capital investment in to grow the business..." which is exactly what they did when they got my shares! 



"On his child's life..." was the nail in the coffin for me. It was all about TRUST; looking back I was such a stupid fool. I don't remember a single shareholders meeting I was invited to, despite all the huge changes made within my own company. Directors changed (Nick's own brother) subsidiary companies set up, websites and domains moved, bought and changed. The list was endless and all of this I found out after the sale of my own company. How is this legal? It's NOT! 



They didn’t even want t me to come in to my own office after a while. Saying it undermined them and looked as if they worked for me due to I was relitvily well know for other companies in the Cheshire area…

This Company was my life, the feeling of betrayal, loss, loss of trust and self-esteem lead to me having dis-facilitating depression and eventually a nervous breakdown.

I was unable to face the stress of a legal challenge at the time. Neither Nick nor Miles would take my calls after I found out about the sale. My family contacted Mr. Holmes to ask "How could you do such a thing when Ian had trusted you so much and gave you the chance in the first place? " Nick Holmes replied, "Get off the phone you silly old cow and don't get involved, tell Ian to fight his own battles" NICE! 



A few years later I regained my health and wrote www.CanYouTrustThem.com solely to Name & Shame Nick Holmes & Miles Grady. To my surprise the site immediately attracted 1000's of people every day using it for their own personal experiences too. I didn't write this site to make a living or profit, it is totally free to use.

I have never sold any data or made any profits from it in any way from this company. The only revenue generated is from a Google advertising banner to finance the up-keep of the website. CanYouTrustThem.com is now currently dealing with 10's of millions in disputes and getting amazing settlements every day! 



Within a few days of posting my story last week on the 21/4/2013 Nick Holmes and Miles Grady emailed me, threatening me with legal action bragging that they now have a company Called PayMatters Ltd which is worth £45,000,000 per year and they are now losing business because of my complaint. 
It just goes to show in the age of the Internet, no matter how big they are or how many lawyers they have, a single person, armed with the truth and a laptop can now stand their ground against what was a lost cause. 



This brought another mystery to light, I Goggled Paymatters Ltd - it advertises that it was founded by Tax experts. Hmmmm, Miles Grady worked at the ICS Insurance then debt management for as long as I have known him and was certainly NOT a secret Tax Lawyer. Nick Holmes previously worked as a salesman for a mobile phone company prior to the debt management. So, not sure where all their Tax expertise came from??? 



Here is some insider information: Harrington Brooks was deregulated for VAT over 10 years ago and received an enormous back payment of 17.5 percent of all their clients payments, which to this day, has never been given back to the customers/clients of Harrington Brooks or All Clear Finance, while under the control of Nick Holmes & Miles Grady.

If you were a client of theirs or any of their associated debt management companies I would demand between 17.5 & 20 percent (depending on when you joined the programme) of all your payments back. Not to mention all your future payments!

Harrington Brooks Accountants Ltd (debt management), under the control of Nick Holmes & Miles Grady, was deregulated for VAT over 10 years ago. As a result, the company received an enormous back payment of 17.5 percent of all their clients’ payments, which, to this day, has never been given back to the clients of Harrington Brooks or associated companies. Even worse, despite being ‘deregulated for VAT, Harrington Brookes continued to charge an equivalent VAT fee - giving the appearance that there was never VAT included in the payment. All those companies that dealt with Harrington Brookes, will see on subsequent invoices that VAT was included.

No clients ever found out that Harrington Brooks/All Clear Finance did not have to pay VAT.

If you were a client of Miles Grady or Nick Holmes or any of their associated debt management companies (All Clear Finance) - I would demand a partial refund on all payments – somewhere between 17.5 & 20 percent (depending on when you joined the programme). Not to mention a reduction of all your future payments!

Nick Holmes and Miles Grady pocketed millions, which should have gone back to their clients. Charging people, already in debt, around 20 percent more is just shocking and wrong! This payment and future savings on their debt repayment programme could really change their lives. It is sheer greed without a care in the world for those who are struggling and losing their homes on a daily basis.

I now know why Harrington Brooks was valued so highly. The VAT deregulation enabled Nick Holmes and Miles Grady to add 20 percent to their client’s payments – which went straight into the company profits!

If you know anything about company valuations, you simply take the companies annual profits and factor (times) them by the industry rate (which varies between 4 – 8 times profit). This makes an enormous difference to any company’s valuation if you add an extra 20 percent without any extra costs…

What Nick Holmes and Miles Grady did was shameful and really does show their true character. Harrington Brooks was doing very well without keeping the VAT and certainly did not need or deserve it. The people in debt, paying this extra charge, should have got every penny back - at least morally if not legally. Moreover, they are still paying it to this day!

The citizen’s advice bureau now offers the exact same service and they do not charge the extra 20 percent on top of all your monthly payments.

For legal reasons I can't disclose all the details until my legal challenge is concluded.

Ironically, Nick Holmes and Miles David Grady now operate a company called Paymatters Ltd/ umbrella. This company gives tax advice to the same people - for a substantial fee of course! Neither of these two characters are tax lawyers.




Miles & Nick: 

I am a very fair person, as you know. If either of you read this which I am sure you will as I have just e-mailed you the link. Take a polygraph if you have nothing to hide. Answer these three questions under polygraph. If you are telling the truth I will drop and remove my complaint. (Good luck with that one!)



"Did you purchase my shares while knowing there was a more lucrative deal on the table for the company in the future?" 



"Did you make any major changes to the company without informing me or holding a shareholders meeting?" 



"Did you manipulate the companies profits report to greatly reduce the value of my shares?" (By around 500 percent :() 



Registered UK Polygraphs examinations are over 98 percent accurate.
Take the test and clear your names. I will accept results either way. Don't take the test and see your name in lights for the rest of your lives or until you settle my claim. I will never go away!!! Your call Gents. 



There is one thing more powerful than any company or lawyer, public opinion! I await you response, which I will be posting here. I have 100 more sites just like this one ready to go live. I just want you to tell the truth and let justice be done. You should be totally ashamed of yourselves! Well, you know what they say about the truth coming out? It's out and it's staying out!!!

I am pretty sure you don’t want the clients of Paymatters (Your £48,000,000 company) knowing all about you’re alleged past and VAT theft! 


UPDATE 16/05/2013: It has now been 4 week's since I challenged Nick Holmes and Miles Grady to clear their name by taking a simple Polygraph test. Neither of them is not prepared to take the test. I do have a nasty letter threatening me and my personal life, which is not really what I was asking for, but it does show a very clear picture of Nick Holmes and Miles Grady’s character.

Ask yourself this question;

If Miles Grady and Nicholas Holmes could do this to a friend and business partner of over twenty years, who did absolutely nothing but help them get everything they have today. What could they do to a stranger for money/profit?

Never lose sight of the FACTs:

1. Nicholas Holmes and Miles David Grady got an enormous VAT deregulation, receiving all their clients VAT payments back. They Kept them for them self.

2. Nicholas Holmes and Miles David Grady then started charging the same amount in fee’s to hide the VAT deregulation payment for good. They never informed their clients of the savings to their debt payments/cost.

3. Nicholas Holmes and Miles Grady bought Ian Griffin’s own company of him for 1,200,000 (after 10 years) then sold part of it within months for £15,000,000.

4. Paymatters, Nicholas Holmes and Miles Grady now operate a TAX advice company, Nether of them are TAX lawyers. Or to my knowledge have any TAX experience!

Kind regards

Ian Griffin

more details »


29398Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
Paymatters, NO tax experience! »210327/05/20130
How many accountants with NO tax experience would you trust with your tax affairs ?
Paymatters does have direct sals and debt management knolage. Give it a whirl, I am sure you ail be ok.

Or maybe you will actually get a TAX lawyer with a few years experience !

Paymatters, Miles Grady and Nicholas Holmes, not a single year between them.

more details »


29430Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
Paymatters DISOLVED! »201302/06/20130
Paymatters is disolved ! See companies house records!

Company Name Company Status Position Appointed Resigned
PAYMATTERS LIMITED Non trading Director 22/07/2009 -
PAYMATTERS LLP Non trading LLP Designated Member 13/10/2008 -
PAYMATTERS ACCOUNTANCY SERVICES LLP Active - Accounts Filed LLP Designated Member 02/12/2010 -
PAYMATTERS (ACCOUNTANTS) LLP Company is dissolved LLP Designated Member 13/10/2008 -
FS COMPLIANCE LIMITED Company is dissolved Director 30/03/2005 11/05/2007

more details »


29435Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
PayMatters Directors VAT immoral/ilegal? »2007-201304/06/20130
My name is Ian Griffin.
I was in my early twenties when I founded a company called "Griffin Finance Ltd" which I later changed to "Harrington Brooks Accountants Ltd". (Check Companies house register for full up to date details)

I had put everything I had into this business, from coming up with the concept to all my savings and time. As the business proved to be a success I went on and employed my two neighbors and friends, Nick Holmes and Miles Grady to run the sales and bookkeeping for the company.

I thought if I had to trust anyone it was better to trust two friends than two strangers. To cut a very, very long story short, my first problem came when I had to make Mr. Holmes and Mr. Grady equal partners in the company as they had threatened to leave once we were in a position where I could not manage the company without them, as they knew.

Doing this I had given them control of my company with 66.6...% of the voting rites together. I even had to guarantee them both £50,000 per year (which was nearly double their current salaries) and a company car out of my own pocket incase the company failed in the future. 


A few years later Nick & Miles approached me and asked me, and I quote "Would you like to cash in your shares as myself (Nick) and Miles just want to keep Harrington Brooks SMALL, we DON’T want to expand any more as you do, we want to keep Harrington as a SMALL family business. I'm sure you can make more money with the cash elsewhere?" Based on everything THEY reported my shares were worth just over £1,200,000. (The actual figures revealed that they were worth 5-7 times that)

I then took advice from a friend and accountant who knew Miles and Nick - he told me "Be careful Ian, it's all a bit sudden after all this time.... make sure they sign an embarrassment clause.

This is a contract to say that if the directors, Nick Holmes or Miles Grady were refinancing or selling the company at the time or within a reasonable length of time, in the future, without my knowledge, I would be able to claim back the difference as it breaches their responsibilities to their shareholders. This act is also corporate fraud and can carry a prison sentence, but the contract makes it much easier and quicker to reclaim the money as opposed to suing and criminal proceedings, which would take years. 



Business law is very clear here, the directors must inform the major shareholders of any such activities as they happen or if they know they will in the future (fiduciary duties). The law protects shareholders from dishonest directors (with insider knowledge) buying out shareholders whilst constructing a better deal for themselves without the company owner’s knowledge or even knowing there is a higher value deal on the table in the future. I called Nick Holmes at the time and said to him "Nick, will you just sign this simple document so I know there is nothing going on now or in the near future that I don't know about? " Nick Holmes would not sign it, in fact he made me feel so guilty for asking and not trusting them I withdrew the contract. He even swore on his child's life. I felt ashamed of myself for asking. Later that week I accepted their offer. 



The next thing I knew Harrington Brooks was all over the Manchester newspapers. Part of Harrington Brooks had been sold for around £15,000,000 according to the press releases. You don't have to be the Chancellor to work out what happened.

An honest person might say Miles and Nick constructed this deal before they approached me to sell my shares. Never mind the supposed entire reason for the buyout was for Nick and Miles to keep the company SMALL and NOT to expand or sell as I was the one who was always pressuring them to bring in venture capital investment in to grow the business..." which is exactly what they did when they got my shares! 



"On his child's life..." was the nail in the coffin for me. It was all about TRUST; looking back I was such a stupid fool. I don't remember a single shareholders meeting I was invited to, despite all the huge changes made within my own company. Directors changed (Nick's own brother) subsidiary companies set up, websites and domains moved, bought and changed. The list was endless and all of this I found out after the sale of my own company. How is this legal? It's NOT! 



They didn’t even want t me to come in to my own office after a while. Saying it undermined them and looked as if they worked for me due to I was relatively well know for other companies in the Cheshire area…

This Company was my life, the feeling of betrayal, loss, loss of trust and self-esteem lead to me having dis-facilitating depression and eventually a nervous breakdown.

I was unable to face the stress of a legal challenge at the time. Neither Nick nor Miles would take my calls after I found out about the sale. My family contacted Mr. Holmes to ask "How could you do such a thing when Ian had trusted you so much and gave you the chance in the first place? " Nick Holmes replied, "Get off the phone you silly old cow and don't get involved, tell Ian to fight his own battles" NICE! 



A few years later I regained my health and wrote www.CanYouTrustThem.com solely to Name & Shame Nick Holmes & Miles Grady. To my surprise the site immediately attracted 1000's of people every day using it for their own personal experiences too. I didn't write this site to make a living or profit, it is totally free to use.

I have never sold any data or made any profits from it in any way from this company. The only revenue generated is from a Google advertising banner to finance the up-keep of the website. CanYouTrustThem.com is now currently dealing with 10's of millions in disputes and getting amazing settlements every day! 



Within a few days of posting my story last week on the 21/4/2013 Nick Holmes and Miles Grady emailed me, threatening me with legal action bragging that they now have a company Called PayMatters Ltd, Barons court, Wilmslow, Cheshire, UK which is worth £45,000,000 per year and they are now losing business because of my complaint. 
It just goes to show in the age of the Internet, no matter how big they are or how many lawyers they have, a single person, armed with the truth and a laptop can now stand their ground against what was a lost cause. 



This brought another mystery to light, I Goggled Paymatters Ltd - it advertises that tax experts founded it. Miles Grady worked at the ICS Insurance then debt management for as long as I have known him and was certainly NOT a secret Tax Lawyer. Nick Holmes previously worked as a salesman for a mobile phone company prior to the debt management. So, not sure where all their Tax expertise came from??? 



Insider information:
Harrington Brooks Accountants Ltd (debt management), under the control of Nick Holmes & Miles Grady, was deregulated for VAT over 10 years ago. As a result, the company received an enormous back payment of 17.5 percent of all their clients’ payments, which, to this day, has never been given back to the clients of Harrington Brooks or associated companies. Even worse, despite being ‘deregulated for VAT, Harrington Brookes continued to charge an equivalent VAT fee - giving the appearance that there was never VAT included in the payment. All those companies that dealt with Harrington Brooks will see on subsequent invoices that VAT was included.

No clients ever found out that Harrington Brooks/All Clear Finance did not have to pay VAT.

If you were a client of Miles Grady or Nick Holmes or any of their associated debt management companies (All Clear Finance) - I would demand a partial refund on all payments – somewhere between 17.5 & 20 percent (depending on when you joined the program me). Not to mention a reduction of all your future payments!

Nick Holmes and Miles Grady pocketed millions, which should have gone back to their clients. Charging people, already in debt, around 20 percent more is just shocking and wrong! This payment and future savings on their debt repayment program could really change their lives. It is sheer greed without a care in the world for those who are struggling and losing their homes on a daily basis.

I now know why Harrington Brooks was valued so highly. The VAT deregulation enabled Nick Holmes and Miles Grady to add 20 percent to their client’s payments – which went straight into the company profits!

If you know anything about company valuations, you simply take the companies annual profits and factor (times) them by the industry rate (which varies between 4 – 8 times profit). This makes an enormous difference to any company’s valuation if you add an extra 20 percent without any extra costs…

What Nick Holmes and Miles Grady did really does show their true character. Harrington Brooks was doing very well without keeping the VAT and certainly did not need or deserve it. The people in debt, paying this extra charge, should have got every penny back - at least morally if not legally. Moreover, they are still paying it to this day!

The citizen’s advice bureau now offers the exact same service and they do not charge the extra 20 percent on top of all your monthly payments.

For legal reasons I can't disclose all the details until my legal challenge is concluded.

Ironically, Nick Holmes and Miles David Grady now operate a company called Paymatters Ltd/ umbrella. This company gives tax advice to the same people - for a substantial fee of course! Neither of these two characters are tax lawyers.




Miles & Nick: 

I am a very fair person, as you know. If either of you read this which I am sure you will as I have just e-mailed you the link. Take a polygraph if you have nothing to hide. Answer these three questions under polygraph. If you are telling the truth I will drop and remove my complaint. (Good luck with that one!)



"Did you purchase my shares while knowing there was a more lucrative deal on the table for the company in the future?" 



"Did you make any major changes to the company without informing me or holding a shareholders meeting?" 



"Did you manipulate the companies profits report to greatly reduce the value of my shares?" (By around 500 percent :() 



Registered UK Polygraphs examinations are over 98 percent accurate.
Take the test and clear your names. I will accept results either way. Don't take the test and see your name in lights for the rest of your lives or until you settle my claim. I will never go away!!! 



There is one thing more powerful than any company or lawyer, public opinion! I await you response, which I will be posting here. I have 100 more sites just like this one ready to go live. I just want you to tell the truth and let justice be done. You should be totally ashamed of yourselves! Well, you know what they say about the truth coming out? It's out and it's staying out!!!

I am pretty sure you don’t want the clients of Paymatters (Your £45,000,000 company) knowing all about you’re alleged past and VAT theft! 


UPDATE 16/05/2013: It has now been 4 week's since I challenged Nick Holmes and Miles Grady to clear their name by taking a simple Polygraph test. Neither of them is not prepared to take the test. I do have a nasty letter threatening me and my personal life, which is not really what I was asking for, but it does show a very clear picture of Nick Holmes and Miles Grady’s character.

Ask yourself this question;

If Miles Grady and Nicholas Holmes could do this to a friend and business partner of over twenty years, who did absolutely nothing but help them get everything they have today. What could they do to a stranger for money/profit?

I am just about to make live
www.paymatterscomplaints.co.uk
www.milesgradycomplaints.co.uk
www.nicholasholmescomplaints.co.uk in the public interest.

Never lose sight of the FACTs:

1. Nicholas Holmes and Miles David Grady got an enormous VAT deregulation, receiving all their clients VAT payments back. They Kept them for them self.

2. Nicholas Holmes and Miles David Grady then started charging the same amount in fee’s to hide the VAT deregulation payment for good. They never informed their clients of the savings to their debt payments/cost.

3. Nicholas Holmes and Miles Grady bought Ian Griffin’s own company of him for 1,200,000 (after 8 years) then sold part of it within months for £15,000,000.

4. Paymatters, Nicholas Holmes and Miles Grady now operate a TAX advice company, Nether of them are TAX lawyers. Or to my knowledge have any TAX experience!

Also, I find it shameful that you both take credit on your various social and business site blogs that you founded my company. If you did, why was it first called Griffin Finance well before you got involved as directors??? I found this on the their company accounts:

Miles Grady & Nicholas Holmes advertise on their CV:
Harrington Brooks (Accountants) Limited was registered on 03 Jul 1998 with its registered office in Cheshire. The business has a status listed as "Live “and it currently has 2 directors. Mr. Miles David Grady, Mr. Nicholas Holmes, founded it. The business currently employs 200-249 people. Harrington Brooks (Accountants) Limited has 3 subsidiaries.


THE ACTUAL COMPANIES HOUSE RECORDS SHOW:

Name & Registered Office:
HARRINGTON BROOKS (ACCOUNTANTS) LIMITED
SALE POINT
126-150 WASHWAY ROAD
SALE
CHESHIRE
M33 6AG
Company No. 03592213

PREVIOUS NAMES: GRIFFIN FINANCE 18/08/1998

In a nut shell, The FACTS:
Ian Griffin founded and financed the company (Griffin Finance/Harrington Brooks) in1998 then 8 years later Miles Grady and Nicholas Holmes approached me and bought my shares for £1,200,000 then sold them straight after in the same 2006 for £15,000,000 and have never taken my calls since.

All can be checked live on company’s house today!
Search under Harrington Brooks accountants then view previous names and directors.

Sound like an honest deal to you????

A hate to think what’s next for Paymatters investors and clients?

Despicable:
Even on a personal level I have never known anyone but Miles Grady disrespect his own wife in such a fashion & not just sleeping with 10’s and 10’s of other woman since the day that met… If there is any doubt to my story just ask him to take a polygraph.

Do you sleep with other women on a regular basis?...

If he does not take the test for any reason you know I am telling the truth! Case closed.

If you take from the poor and cheat on your wife you’re a bad person, though and through,,, PERIOD!


A leopard never changes…

Regards

Ian Griffin

more details »


29517Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
Miles Grady CanYouTrustHim.Com??? »2006-201323/06/20130
My name is Ian Griffin.
I was in my early twenties when I founded a company called "Griffin Finance Ltd" which I later changed to "Harrington Brooks Accountants Ltd". (Check Companies house register for full up to date details)

I had put everything I had into this business, from coming up with the concept to all my savings and time. As the business proved to be a success I went on and employed my two neighbors and friends, Nick Holmes and Miles Grady to run the sales and bookkeeping for the company.

I thought if I had to trust anyone it was better to trust two friends than two strangers. To cut a very, very long story short, my first problem came when I had to make Mr. Holmes and Mr. Grady equal partners in the company as they had threatened to leave once we were in a position where I could not manage the company without them, as they knew.

Doing this I had given them control of my company with 66.6...% of the voting rites together. I even had to guarantee them both £50,000 per year (which was nearly double their current salaries) and a company car out of my own pocket incase the company failed in the future. 


A few years later Nick & Miles approached me and asked me, and I quote "Would you like to cash in your shares as myself (Nick) and Miles just want to keep Harrington Brooks SMALL, we DON’T want to expand any more as you do, we want to keep Harrington as a SMALL family business. I'm sure you can make more money with the cash elsewhere?" Based on everything THEY reported my shares were worth just over £1,200,000. (The actual figures revealed that they were worth 5-7 times that)

I then took advice from a friend and accountant who knew Miles and Nick - he told me "Be careful Ian, it's all a bit sudden after all this time.... make sure they sign an embarrassment clause.

This is a contract to say that if the directors, Nick Holmes or Miles Grady were refinancing or selling the company at the time or within a reasonable length of time, in the future, without my knowledge, I would be able to claim back the difference as it breaches their responsibilities to their shareholders. This act is also corporate fraud and can carry a prison sentence, but the contract makes it much easier and quicker to reclaim the money as opposed to suing and criminal proceedings, which would take years. 



Business law is very clear here, the directors must inform the major shareholders of any such activities as they happen or if they know they will in the future (fiduciary duties). The law protects shareholders from dishonest directors (with insider knowledge) buying out shareholders whilst constructing a better deal for themselves without the company owner’s knowledge or even knowing there is a higher value deal on the table in the future. I called Nick Holmes at the time and said to him "Nick, will you just sign this simple document so I know there is nothing going on now or in the near future that I don't know about? " Nick Holmes would not sign it, in fact he made me feel so guilty for asking and not trusting them I withdrew the contract. He even swore on his child's life. I felt ashamed of myself for asking. Later that week I accepted their offer. 



The next thing I knew Harrington Brooks was all over the Manchester newspapers. Part of Harrington Brooks had been sold for around £15,000,000 according to the press releases. You don't have to be the Chancellor to work out what happened.

An honest person might say Miles and Nick constructed this deal before they approached me to sell my shares. Never mind the supposed entire reason for the buyout was for Nick and Miles to keep the company SMALL and NOT to expand or sell as I was the one who was always pressuring them to bring in venture capital investment in to grow the business..." which is exactly what they did when they got my shares! 



"On his child's life..." was the nail in the coffin for me. It was all about TRUST; looking back I was such a stupid fool. I don't remember a single shareholders meeting I was invited to, despite all the huge changes made within my own company. Directors changed (Nick's own brother) subsidiary companies set up, websites and domains moved, bought and changed. The list was endless and all of this I found out after the sale of my own company. How is this legal? It's NOT! 



They didn’t even want t me to come in to my own office after a while. Saying it undermined them and looked as if they worked for me due to I was relatively well know for other companies in the Cheshire area…

This Company was my life, the feeling of betrayal, loss, loss of trust and self-esteem lead to me having dis-facilitating depression and eventually a nervous breakdown.

I was unable to face the stress of a legal challenge at the time. Neither Nick nor Miles would take my calls after I found out about the sale. My family contacted Mr. Holmes to ask "How could you do such a thing when Ian had trusted you so much and gave you the chance in the first place? " Nick Holmes replied, "Get off the phone you silly old cow and don't get involved, tell Ian to fight his own battles" NICE! 



A few years later I regained my health and wrote www.CanYouTrustThem.com solely to Name & Shame Nick Holmes & Miles Grady. To my surprise the site immediately attracted 1000's of people every day using it for their own personal experiences too. I didn't write this site to make a living or profit, it is totally free to use.

I have never sold any data or made any profits from it in any way from this company. The only revenue generated is from a Google advertising banner to finance the up-keep of the website. CanYouTrustThem.com is now currently dealing with 10's of millions in disputes and getting amazing settlements every day! 



Within a few days of posting my story last week on the 21/4/2013 Nick Holmes and Miles Grady emailed me, threatening me with legal action bragging that they now have a company Called PayMatters Ltd, Barons court, Wilmslow, Cheshire, UK which is worth £45,000,000 per year and they are now losing business because of my complaint. 
It just goes to show in the age of the Internet, no matter how big they are or how many lawyers they have, a single person, armed with the truth and a laptop can now stand their ground against what was a lost cause. 



This brought another mystery to light, I Goggled Paymatters Ltd - it advertises that tax experts founded it. Miles Grady worked at the ICS Insurance then debt management for as long as I have known him and was certainly NOT a secret Tax Lawyer. Nick Holmes previously worked as a salesman for a mobile phone company prior to the debt management. So, not sure where all their Tax expertise came from??? 



Insider information:
Harrington Brooks Accountants Ltd (debt management), under the control of Nick Holmes & Miles Grady, was deregulated for VAT over 10 years ago. As a result, the company received an enormous back payment of 17.5 percent of all their clients’ payments, which, to this day, has never been given back to the clients of Harrington Brooks or associated companies. Even worse, despite being ‘deregulated for VAT, Harrington Brookes continued to charge an equivalent VAT fee - giving the appearance that there was never VAT included in the payment. All those companies that dealt with Harrington Brooks will see on subsequent invoices that VAT was included.

No clients ever found out that Harrington Brooks/All Clear Finance did not have to pay VAT.

If you were a client of Miles Grady or Nick Holmes or any of their associated debt management companies (All Clear Finance) - I would demand a partial refund on all payments – somewhere between 17.5 & 20 percent (depending on when you joined the program me). Not to mention a reduction of all your future payments!

Nick Holmes and Miles Grady pocketed millions, which should have gone back to their clients. Charging people, already in debt, around 20 percent more is just shocking and wrong! This payment and future savings on their debt repayment program could really change their lives. It is sheer greed without a care in the world for those who are struggling and losing their homes on a daily basis.

I now know why Harrington Brooks was valued so highly. The VAT deregulation enabled Nick Holmes and Miles Grady to add 20 percent to their client’s payments – which went straight into the company profits!

If you know anything about company valuations, you simply take the companies annual profits and factor (times) them by the industry rate (which varies between 4 – 8 times profit). This makes an enormous difference to any company’s valuation if you add an extra 20 percent without any extra costs…

What Nick Holmes and Miles Grady did really does show their true character. Harrington Brooks was doing very well without keeping the VAT and certainly did not need or deserve it. The people in debt, paying this extra charge, should have got every penny back - at least morally if not legally. Moreover, they are still paying it to this day!

The citizen’s advice bureau now offers the exact same service and they do not charge the extra 20 percent on top of all your monthly payments.

For legal reasons I can't disclose all the details until my legal challenge is concluded.

Ironically, Nick Holmes and Miles David Grady now operate a company called Paymatters Ltd/ umbrella. This company gives tax advice to the same people - for a substantial fee of course! Neither of these two characters are tax lawyers.




Miles & Nick: 

I am a very fair person, as you know. If either of you read this which I am sure you will as I have just e-mailed you the link. Take a polygraph if you have nothing to hide. Answer these three questions under polygraph. If you are telling the truth I will drop and remove my complaint. (Good luck with that one!)



"Did you purchase my shares while knowing there was a more lucrative deal on the table for the company in the future?" 



"Did you make any major changes to the company without informing me or holding a shareholders meeting?" 



"Did you manipulate the companies profits report to greatly reduce the value of my shares?" (By around 500 percent :() 



Registered UK Polygraphs examinations are over 98 percent accurate.
Take the test and clear your names. I will accept results either way. Don't take the test and see your name in lights for the rest of your lives or until you settle my claim. I will never go away!!! 



There is one thing more powerful than any company or lawyer, public opinion! I await you response, which I will be posting here. I have 100 more sites just like this one ready to go live. I just want you to tell the truth and let justice be done. You should be totally ashamed of yourselves! Well, you know what they say about the truth coming out? It's out and it's staying out!!!

I am pretty sure you don’t want the clients of Paymatters (Your £45,000,000 company) knowing all about you’re alleged past and VAT theft! 


UPDATE 16/05/2013: It has now been 4 week's since I challenged Nick Holmes and Miles Grady to clear their name by taking a simple Polygraph test. Neither of them is not prepared to take the test. I do have a nasty letter threatening me and my personal life, which is not really what I was asking for, but it does show a very clear picture of Nick Holmes and Miles Grady’s character.

Ask yourself this question;

If Miles Grady and Nicholas Holmes could do this to a friend and business partner of over twenty years, who did absolutely nothing but help them get everything they have today. What could they do to a stranger for money/profit?

I am just about to make live
www.paymatterscomplaints.co.uk
www.milesgradycomplaints.co.uk
www.nicholasholmescomplaints.co.uk in the public interest.

Never lose sight of the FACTs:

1. Nicholas Holmes and Miles David Grady got an enormous VAT deregulation, receiving all their clients VAT payments back. They Kept them for them self.

2. Nicholas Holmes and Miles David Grady then started charging the same amount in fee’s to hide the VAT deregulation payment for good. They never informed their clients of the savings to their debt payments/cost.

3. Nicholas Holmes and Miles Grady bought Ian Griffin’s own company of him for 1,200,000 (after 8 years) then sold part of it within months for £15,000,000.

4. Paymatters, Nicholas Holmes and Miles Grady now operate a TAX advice company, Nether of them are TAX lawyers. Or to my knowledge have any TAX experience!

Also, I find it shameful that you both take credit on your various social and business site blogs that you founded my company. If you did, why was it first called Griffin Finance well before you got involved as directors??? I found this on the their company accounts:

Miles Grady & Nicholas Holmes advertise on their CV:
Harrington Brooks (Accountants) Limited was registered on 03 Jul 1998 with its registered office in Cheshire. The business has a status listed as "Live “and it currently has 2 directors. Mr. Miles David Grady, Mr. Nicholas Holmes, founded it. The business currently employs 200-249 people. Harrington Brooks (Accountants) Limited has 3 subsidiaries.


THE ACTUAL COMPANIES HOUSE RECORDS SHOW:

Name & Registered Office:
HARRINGTON BROOKS (ACCOUNTANTS) LIMITED
SALE POINT
126-150 WASHWAY ROAD
SALE
CHESHIRE
M33 6AG
Company No. 03592213

PREVIOUS NAMES: GRIFFIN FINANCE 18/08/1998

In a nut shell, The FACTS:
Ian Griffin founded and financed the company (Griffin Finance/Harrington Brooks) in1998 then 8 years later Miles Grady and Nicholas Holmes approached me and bought my shares for £1,200,000 then sold them straight after in the same 2006 for £15,000,000 and have never taken my calls since.

All can be checked live on company’s house today!
Search under Harrington Brooks accountants then view previous names and directors.

Sound like an honest deal to you????

A hate to think what’s next for Paymatters investors and clients?

Despicable:
Even on a personal level I have never known anyone but Miles Grady disrespect his own wife in such a fashion & not just sleeping with 10’s and 10’s of other woman since the day that met… If there is any doubt to my story just ask him to take a polygraph.

If he does not take the test for any reason you know I am telling the truth! Case closed.

If you take from the poor and cheat on your wife you’re a bad person, though and through,,, PERIOD!


A leopard never changes…

Regards

Ian Griffin

more details »


29669Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
Paymatters directors, VAT immoral/ilegal? »2005-210323/07/20130
My name is Ian Griffin.

I was in my early twenties when I founded a company called "Griffin Finance Ltd" which I later changed to "Harrington Brooks Accountants Ltd". (Check Companies house register for full up to date details and previous names)

I had put everything I had into this business, from coming up with the concept to all my savings and time. As the business proved to be a success I went on and employed my two neighbors and friends, Nick Holmes and Miles Grady to run the sales and bookkeeping for the company.

I thought if I had to trust anyone it was better to trust two friends than two strangers. To cut a very, very long story short, my first problem came when I had to make Mr. Holmes and Mr. Grady equal partners in the company as they had threatened to leave once we were in a position where I could not manage the company without them, as they knew.

Doing this I had given them control of my company with 66.6...% of the voting rites together. I even had to guarantee them both £50,000 per year (which was nearly double their current salaries) and a company car out of my own pocket incase the company failed in the future. 


A few years later Nick & Miles approached me and asked me, and I quote "Would you like to cash in your shares as myself (Nick) and Miles just want to keep Harrington Brooks SMALL, we DON’T want to expand any more as you do, we want to keep Harrington as a SMALL family business. I'm sure you can make more money with the cash elsewhere?" Based on everything THEY reported my shares were worth just over £1,200,000. (The actual figures revealed that they were worth 5-7 times that)

I then took advice from a friend and accountant who knew Miles and Nick - he told me "Be careful Ian, it's all a bit sudden after all this time.... make sure they sign an embarrassment clause.

This is a contract to say that if the directors, Nick Holmes or Miles Grady were refinancing or selling the company at the time or within a reasonable length of time, in the future, without my knowledge, I would be able to claim back the difference as it breaches their responsibilities to their shareholders. This act is also corporate fraud and can carry a prison sentence, but the contract makes it much easier and quicker to reclaim the money as opposed to suing and criminal proceedings, which would take years. 



Business law is very clear here, the directors must inform the major shareholders of any such activities as they happen or if they know they will in the future (fiduciary duties). The law protects shareholders from dishonest directors (with insider knowledge) buying out shareholders whilst constructing a better deal for themselves without the company owner’s knowledge or even knowing there is a higher value deal on the table in the future. I called Nick Holmes at the time and said to him "Nick, will you just sign this simple document so I know there is nothing going on now or in the near future that I don't know about? " Nick Holmes would not sign it, in fact he made me feel so guilty for asking and not trusting them I withdrew the contract. He even swore on his child's life. I felt ashamed of myself for asking. Later that week I accepted their offer. 



The next thing I knew Harrington Brooks was all over the Manchester newspapers. Part of Harrington Brooks had been sold for around £15,000,000 according to the press releases. You don't have to be the Chancellor to work out what happened.

An honest person might say Miles and Nick constructed this deal before they approached me to sell my shares. Never mind the supposed entire reason for the buyout was for Nick and Miles to keep the company SMALL and NOT to expand or sell as I was the one who was always pressuring them to bring in venture capital investment in to grow the business..." which is exactly what they did when they got my shares! 



"On his child's life..." was the nail in the coffin for me. It was all about TRUST; looking back I was such a stupid fool. I don't remember a single shareholders meeting I was invited to, despite all the huge changes made within my own company. Directors changed (Nick's own brother) subsidiary companies set up, websites and domains moved, bought and changed. The list was endless and all of this I found out after the sale of my own company. How is this legal? It's NOT! 



They didn’t even want t me to come in to my own office after a while. Saying it undermined them and looked as if they worked for me due to I was relatively well know for other companies in the Cheshire area…

This Company was my life, the feeling of betrayal, loss, loss of trust and self-esteem lead to me having dis-facilitating depression and eventually a nervous breakdown.

I was unable to face the stress of a legal challenge at the time. Neither Nick nor Miles would take my calls after I found out about the sale. My family contacted Mr. Holmes to ask "How could you do such a thing when Ian had trusted you so much and gave you the chance in the first place? " Nick Holmes replied, "Get off the phone you silly old cow and don't get involved, tell Ian to fight his own battles" NICE! 



I have allowed Nicholas Holmes & Miles Grady to take credit for my business skills for years without saying a word. I right now see all over the place both Nick Holmes & Miles Grady state they founded my company, twitter, Facebook and even their new business PayMatters. You can clearly see on company’s house that was NOT the case.

As you can see Miles Grady was a director of my debt companies for pretty much his entire working life, so how can he possibly have 20 years expert TAX training/experience to give others extremely intricate TAX advice???
He was in direct sale/Tele sales Not TAX advisory or related services. You have to be a specific TAX trained lawyer to stay ahead of the very intricate legislation or you can be convicted of the new “TAX none compliance” laws.

They must of forgot companies house displays these details to the general public. Anyway, letting someone take credit for your work is one thing, defrauding you for millions is a very different world.

A few years later I regained my health and wrote www.CanYouTrustThem.com solely to Name & Shame Nick Holmes & Miles Grady. To my surprise the site immediately attracted 1000's of people every day using it for their own personal experiences too. I didn't write this site to make a living or profit, it is totally free to use.

I have never sold any data or made any profits from it in any way from this company. The only revenue generated is from a Google advertising banner to finance the up-keep of the website. CanYouTrustThem.com is now currently dealing with 10's of millions in disputes and getting amazing settlements every day! 



Within a few days of posting my story last week on the 21/4/2013 Nick Holmes and Miles Grady emailed me, threatening me with legal action bragging that they now have a company Called PayMatters Ltd, Barons court, Wilmslow, Cheshire, UK which is worth £45,000,000 per year and they are now losing business because of my complaint. 
It just goes to show in the age of the Internet, no matter how big they are or how many lawyers they have, a single person, armed with the truth and a laptop can now stand their ground against what was a lost cause. 



This brought another mystery to light, I Goggled Paymatters Ltd - it advertises that tax experts founded it. Miles Grady worked at the ICS Insurance then debt management for as long as I have known him and was certainly NOT a secret Tax Lawyer. Nick Holmes previously worked as a salesman for a mobile phone company prior to the debt management. So, not sure where all their Tax expertise came from??? 



Insider information:
Harrington Brooks Accountants Ltd (debt management), under the control of Nick Holmes & Miles Grady, was deregulated for VAT over 10 years ago. As a result, the company received an enormous back payment of 17.5 percent of all their clients’ payments, which, to this day, has never been given back to the clients of Harrington Brooks or associated companies. Even worse, despite being ‘deregulated for VAT, Harrington Brookes continued to charge an equivalent VAT fee - giving the appearance that there was never VAT included in the payment. All those companies that dealt with Harrington Brooks will see on subsequent invoices that VAT was included.

No clients ever found out that Harrington Brooks/All Clear Finance did not have to pay VAT.

If you were a client of Miles Grady or Nick Holmes or any of their associated debt management companies (All Clear Finance) - I would demand a partial refund on all payments – somewhere between 17.5 & 20 percent (depending on when you joined the program me). Not to mention a reduction of all your future payments!

Nick Holmes and Miles Grady pocketed millions, which should have gone back to their clients. Charging people, already in debt, around 20 percent more is just shocking and wrong! This payment and future savings on their debt repayment program could really change their lives. It is sheer greed without a care in the world for those who are struggling and losing their homes on a daily basis.

I now know why Harrington Brooks was valued so highly. The VAT deregulation enabled Nick Holmes and Miles Grady to add 20 percent to their client’s payments – which went straight into the company profits!

If you know anything about company valuations, you simply take the companies annual profits and factor (times) them by the industry rate (which varies between 4 – 8 times net profit). This makes an enormous difference to any company’s valuation if you add an extra 20 percent without any extra costs…

What Nick Holmes and Miles Grady did really does show their true character. Harrington Brooks was doing very well without keeping the VAT and certainly did not need or deserve it. The people in debt, paying this extra charge, should have got every penny back - at least morally if not legally. Moreover, they are still paying it to this day!

The citizen’s advice bureau now offers the exact same service and they do not charge the extra 20 percent on top of all your monthly payments.

For legal reasons I can't disclose all the details until my legal challenge is concluded.

As I mentioned earlier, Nick Holmes and Miles David Grady now operate a company called Paymatters. This company gives tax advice, neither of these two characters are tax lawyers or have TAX any experience I know of.


To Miles & Nick: 

I am a very fair person, as you know. If either of you read this which I am sure you will as I have just e-mailed you the link. Take a polygraph if you have nothing to hide. Answer these three questions under polygraph. If you are telling the truth I will drop and remove my complaint. (Good luck with that one!)



"Did you purchase my shares while knowing there was a more lucrative deal on the table for the company in the future?" 



"Did you make any major changes to the company without informing me or holding a shareholders meeting?" 



"Did you manipulate the companies profits report to greatly reduce the value of my shares?" (By around 500 percent :() 



Registered UK Polygraphs examinations are over 98 percent accurate.
Take the test and clear your names. I will accept results either way. Don't take the test and see your name in lights for the rest of your lives or until you settle my claim. I will never go away!!! 



There is one thing more powerful than any company or lawyer, public opinion! I await you response, which I will be posting here. I have 100 more sites just like this one ready to go live. I just want you to tell the truth and let justice be done. You should be totally ashamed of yourselves! Well, you know what they say about the truth coming out? It's out and it's staying out!!!

I am pretty sure you don’t want the clients of Paymatters (Your £45,000,000 company) knowing all about you’re alleged past and VAT theft! 


UPDATE 16/05/2013: It has now been 4 week's since I challenged Nick Holmes and Miles Grady to clear their name by taking a simple Polygraph test. Neither of them is not prepared to take the test. I do have a nasty letter threatening me and my personal life, which is not really what I was asking for, but it does show a very clear picture of Nick Holmes and Miles Grady’s character.

Ask yourself this question;

If Miles Grady and Nicholas Holmes could do this to a friend and business partner of over twenty years, who did absolutely nothing but help them get everything they have today.

What could they do to a stranger for money?

I am just about to make live
www.paymatterscomplaints.co.uk
www.milesgradycomplaints.co.uk
www.nicholasholmescomplaints.co.uk in the public interest.

Never lose sight of the FACTs:

1. Nicholas Holmes and Miles David Grady got an enormous VAT deregulation back payment, receiving all their clients VAT payments back. They Kept them for them self.

2. Nicholas Holmes and Miles David Grady then started charging the same amount in fee’s to hide the VAT deregulation payment for good. They never informed their clients of the savings to their debt payments/cost.

3. Nicholas Holmes and Miles Grady bought Ian Griffin’s own company of him for 1,200,000 (after 8 years) then sold part of it within months for £15,000,000.

4. Paymatters, Nicholas Holmes and Miles Grady now operate a TAX advice company, Nether of them are TAX lawyers. Or to my knowledge have any TAX experience as long as I have known them in over 20 years!

Also, I find it shameful that you both take credit on your various social and business sites (including your latest & your first business venture, Paymatters) that you founded my company. If you did, why was it first called Griffin Finance well before you got involved as??? I find it even more dishonest that you claim to have 20 years Tax expertise when you worked for me for practically your entire business life in debt management / direct sales.

Miles Grady & Nicholas Holmes advertise on their CV:
Harrington Brooks (Accountants) Limited was registered on 03 Jul 1998 with its registered office in Cheshire. The business has a status listed as "Live “and it currently has 2 directors. Mr. Miles David Grady, Mr. Nicholas Holmes, founded it. The business currently employs 200-249 people. Harrington Brooks formally Griffin finance (Accountants) Limited has 3 subsidiaries.


THE ACTUAL COMPANIES HOUSE RECORDS SHOW:

Name & Registered Office:
HARRINGTON BROOKS (ACCOUNTANTS) LIMITED
SALE POINT
126-150 WASHWAY ROAD
SALE
CHESHIRE
M33 6AG
Company No. 03592213

PREVIOUS NAMES:
GRIFFIN FINANCE 18/08/1998

In a nut shell, The FACTS:
Ian Griffin (Myself) founded and financed the company (Griffin Finance/Harrington Brooks) in1998 then 8 years later Miles Grady and Nicholas Holmes approached me and bought my shares for £1,200,000 then sold them immediately for 500 percent more (after swearing on there children’s life they wanted to keep the business small and not to expand. Their entire reason for the purchace!

They have never taken my calls since.

“On my child’s life, we just want to keep Harrington small as a family business and we can’t sign an embracement clause as it is an insult Ian that you don’t trust us”

I will never forget those words. I still can’t believe Nicholas Holmes swore on his child’s life to get my shares.

You don’t nee to take my word… All can be checked live on company’s house today!

Search under Harrington Brooks accountants then view previous names and directors. Then check the media to see the details of the sale of Harrington Brooks and the sale…

A hate to think what’s next for Paymatters Tax advice without the experience) investors and clients?


If you take from the poor, cheat on your wife and steel you’re your friend, you’re a bad person, PERIOD!

You could take the polygraph (at my cost) and I will retract my claim.

We both know you could not pass hence you will not take one as I offered. You just can’t hide the truth, it always comes out in the end.


Regards

Ian Griffin

more details »


29670Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
Paymatters Dissolved Fraudulent ??? »2005-201323/07/20130
My name is Ian Griffin.

I was in my early twenties when I founded a company called "Griffin Finance Ltd" which I later changed to "Harrington Brooks Accountants Ltd". (Check Companies house register for full up to date details and previous names)

I had put everything I had into this business, from coming up with the concept to all my savings and time. As the business proved to be a success I went on and employed my two neighbors and friends, Nick Holmes and Miles Grady to run the sales and bookkeeping for the company.

I thought if I had to trust anyone it was better to trust two friends than two strangers. To cut a very, very long story short, my first problem came when I had to make Mr. Holmes and Mr. Grady equal partners in the company as they had threatened to leave once we were in a position where I could not manage the company without them, as they knew.

Doing this I had given them control of my company with 66.6...% of the voting rites together. I even had to guarantee them both £50,000 per year (which was nearly double their current salaries) and a company car out of my own pocket incase the company failed in the future. 


A few years later Nick & Miles approached me and asked me, and I quote "Would you like to cash in your shares as myself (Nick) and Miles just want to keep Harrington Brooks SMALL, we DON’T want to expand any more as you do, we want to keep Harrington as a SMALL family business. I'm sure you can make more money with the cash elsewhere?" Based on everything THEY reported my shares were worth just over £1,200,000. (The actual figures revealed that they were worth 5-7 times that)

I then took advice from a friend and accountant who knew Miles and Nick - he told me "Be careful Ian, it's all a bit sudden after all this time.... make sure they sign an embarrassment clause.

This is a contract to say that if the directors, Nick Holmes or Miles Grady were refinancing or selling the company at the time or within a reasonable length of time, in the future, without my knowledge, I would be able to claim back the difference as it breaches their responsibilities to their shareholders. This act is also corporate fraud and can carry a prison sentence, but the contract makes it much easier and quicker to reclaim the money as opposed to suing and criminal proceedings, which would take years. 



Business law is very clear here, the directors must inform the major shareholders of any such activities as they happen or if they know they will in the future (fiduciary duties). The law protects shareholders from dishonest directors (with insider knowledge) buying out shareholders whilst constructing a better deal for themselves without the company owner’s knowledge or even knowing there is a higher value deal on the table in the future. I called Nick Holmes at the time and said to him "Nick, will you just sign this simple document so I know there is nothing going on now or in the near future that I don't know about? " Nick Holmes would not sign it, in fact he made me feel so guilty for asking and not trusting them I withdrew the contract. He even swore on his child's life. I felt ashamed of myself for asking. Later that week I accepted their offer. 



The next thing I knew Harrington Brooks was all over the Manchester newspapers. Part of Harrington Brooks had been sold for around £15,000,000 according to the press releases. You don't have to be the Chancellor to work out what happened.

An honest person might say Miles and Nick constructed this deal before they approached me to sell my shares. Never mind the supposed entire reason for the buyout was for Nick and Miles to keep the company SMALL and NOT to expand or sell as I was the one who was always pressuring them to bring in venture capital investment in to grow the business..." which is exactly what they did when they got my shares! 



"On his child's life..." was the nail in the coffin for me. It was all about TRUST; looking back I was such a stupid fool. I don't remember a single shareholders meeting I was invited to, despite all the huge changes made within my own company. Directors changed (Nick's own brother) subsidiary companies set up, websites and domains moved, bought and changed. The list was endless and all of this I found out after the sale of my own company. How is this legal? It's NOT! 



They didn’t even want t me to come in to my own office after a while. Saying it undermined them and looked as if they worked for me due to I was relatively well know for other companies in the Cheshire area…

This Company was my life, the feeling of betrayal, loss, loss of trust and self-esteem lead to me having dis-facilitating depression and eventually a nervous breakdown.

I was unable to face the stress of a legal challenge at the time. Neither Nick nor Miles would take my calls after I found out about the sale. My family contacted Mr. Holmes to ask "How could you do such a thing when Ian had trusted you so much and gave you the chance in the first place? " Nick Holmes replied, "Get off the phone you silly old cow and don't get involved, tell Ian to fight his own battles" NICE! 



I have allowed Nicholas Holmes & Miles Grady to take credit for my business skills for years without saying a word. I right now see all over the place both Nick Holmes & Miles Grady state they founded my company, twitter, Facebook and even their new business PayMatters. You can clearly see on company’s house that was NOT the case.

As you can see Miles Grady was a director of my debt companies for pretty much his entire working life, so how can he possibly have 20 years expert TAX training/experience to give others extremely intricate TAX advice???
He was in direct sale/Tele sales Not TAX advisory or related services. You have to be a specific TAX trained lawyer to stay ahead of the very intricate legislation or you can be convicted of the new “TAX none compliance” laws.

They must of forgot companies house displays these details to the general public. Anyway, letting someone take credit for your work is one thing, defrauding you for millions is a very different world.

A few years later I regained my health and wrote www.CanYouTrustThem.com solely to Name & Shame Nick Holmes & Miles Grady. To my surprise the site immediately attracted 1000's of people every day using it for their own personal experiences too. I didn't write this site to make a living or profit, it is totally free to use.

I have never sold any data or made any profits from it in any way from this company. The only revenue generated is from a Google advertising banner to finance the up-keep of the website. CanYouTrustThem.com is now currently dealing with 10's of millions in disputes and getting amazing settlements every day! 



Within a few days of posting my story last week on the 21/4/2013 Nick Holmes and Miles Grady emailed me, threatening me with legal action bragging that they now have a company Called PayMatters Ltd, Barons court, Wilmslow, Cheshire, UK which is worth £45,000,000 per year and they are now losing business because of my complaint. 
It just goes to show in the age of the Internet, no matter how big they are or how many lawyers they have, a single person, armed with the truth and a laptop can now stand their ground against what was a lost cause. 



This brought another mystery to light, I Goggled Paymatters Ltd - it advertises that tax experts founded it. Miles Grady worked at the ICS Insurance then debt management for as long as I have known him and was certainly NOT a secret Tax Lawyer. Nick Holmes previously worked as a salesman for a mobile phone company prior to the debt management. So, not sure where all their Tax expertise came from??? 



Insider information:
Harrington Brooks Accountants Ltd (debt management), under the control of Nick Holmes & Miles Grady, was deregulated for VAT over 10 years ago. As a result, the company received an enormous back payment of 17.5 percent of all their clients’ payments, which, to this day, has never been given back to the clients of Harrington Brooks or associated companies. Even worse, despite being ‘deregulated for VAT, Harrington Brookes continued to charge an equivalent VAT fee - giving the appearance that there was never VAT included in the payment. All those companies that dealt with Harrington Brooks will see on subsequent invoices that VAT was included.

No clients ever found out that Harrington Brooks/All Clear Finance did not have to pay VAT.

If you were a client of Miles Grady or Nick Holmes or any of their associated debt management companies (All Clear Finance) - I would demand a partial refund on all payments – somewhere between 17.5 & 20 percent (depending on when you joined the program me). Not to mention a reduction of all your future payments!

Nick Holmes and Miles Grady pocketed millions, which should have gone back to their clients. Charging people, already in debt, around 20 percent more is just shocking and wrong! This payment and future savings on their debt repayment program could really change their lives. It is sheer greed without a care in the world for those who are struggling and losing their homes on a daily basis.

I now know why Harrington Brooks was valued so highly. The VAT deregulation enabled Nick Holmes and Miles Grady to add 20 percent to their client’s payments – which went straight into the company profits!

If you know anything about company valuations, you simply take the companies annual profits and factor (times) them by the industry rate (which varies between 4 – 8 times net profit). This makes an enormous difference to any company’s valuation if you add an extra 20 percent without any extra costs…

What Nick Holmes and Miles Grady did really does show their true character. Harrington Brooks was doing very well without keeping the VAT and certainly did not need or deserve it. The people in debt, paying this extra charge, should have got every penny back - at least morally if not legally. Moreover, they are still paying it to this day!

The citizen’s advice bureau now offers the exact same service and they do not charge the extra 20 percent on top of all your monthly payments.

For legal reasons I can't disclose all the details until my legal challenge is concluded.

As I mentioned earlier, Nick Holmes and Miles David Grady now operate a company called Paymatters. This company gives tax advice, neither of these two characters are tax lawyers or have TAX any experience I know of.


To Miles & Nick: 

I am a very fair person, as you know. If either of you read this which I am sure you will as I have just e-mailed you the link. Take a polygraph if you have nothing to hide. Answer these three questions under polygraph. If you are telling the truth I will drop and remove my complaint. (Good luck with that one!)



"Did you purchase my shares while knowing there was a more lucrative deal on the table for the company in the future?" 



"Did you make any major changes to the company without informing me or holding a shareholders meeting?" 



"Did you manipulate the companies profits report to greatly reduce the value of my shares?" (By around 500 percent :() 



Registered UK Polygraphs examinations are over 98 percent accurate.
Take the test and clear your names. I will accept results either way. Don't take the test and see your name in lights for the rest of your lives or until you settle my claim. I will never go away!!! 



There is one thing more powerful than any company or lawyer, public opinion! I await you response, which I will be posting here. I have 100 more sites just like this one ready to go live. I just want you to tell the truth and let justice be done. You should be totally ashamed of yourselves! Well, you know what they say about the truth coming out? It's out and it's staying out!!!

I am pretty sure you don’t want the clients of Paymatters (Your £45,000,000 company) knowing all about you’re alleged past and VAT theft! 


UPDATE 16/05/2013: It has now been 4 week's since I challenged Nick Holmes and Miles Grady to clear their name by taking a simple Polygraph test. Neither of them is not prepared to take the test. I do have a nasty letter threatening me and my personal life, which is not really what I was asking for, but it does show a very clear picture of Nick Holmes and Miles Grady’s character.

Ask yourself this question;

If Miles Grady and Nicholas Holmes could do this to a friend and business partner of over twenty years, who did absolutely nothing but help them get everything they have today.

What could they do to a stranger for money?

I am just about to make live
www.paymatterscomplaints.co.uk
www.milesgradycomplaints.co.uk
www.nicholasholmescomplaints.co.uk in the public interest.

Never lose sight of the FACTs:

1. Nicholas Holmes and Miles David Grady got an enormous VAT deregulation back payment, receiving all their clients VAT payments back. They Kept them for them self.

2. Nicholas Holmes and Miles David Grady then started charging the same amount in fee’s to hide the VAT deregulation payment for good. They never informed their clients of the savings to their debt payments/cost.

3. Nicholas Holmes and Miles Grady bought Ian Griffin’s own company of him for 1,200,000 (after 8 years) then sold part of it within months for £15,000,000.

4. Paymatters, Nicholas Holmes and Miles Grady now operate a TAX advice company, Nether of them are TAX lawyers. Or to my knowledge have any TAX experience as long as I have known them in over 20 years!

Also, I find it shameful that you both take credit on your various social and business sites (including your latest & your first business venture, Paymatters) that you founded my company. If you did, why was it first called Griffin Finance well before you got involved as??? I find it even more dishonest that you claim to have 20 years Tax expertise when you worked for me for practically your entire business life in debt management / direct sales.

Miles Grady & Nicholas Holmes advertise on their CV:
Harrington Brooks (Accountants) Limited was registered on 03 Jul 1998 with its registered office in Cheshire. The business has a status listed as "Live “and it currently has 2 directors. Mr. Miles David Grady, Mr. Nicholas Holmes, founded it. The business currently employs 200-249 people. Harrington Brooks formally Griffin finance (Accountants) Limited has 3 subsidiaries.


THE ACTUAL COMPANIES HOUSE RECORDS SHOW:

Name & Registered Office:
HARRINGTON BROOKS (ACCOUNTANTS) LIMITED
SALE POINT
126-150 WASHWAY ROAD
SALE
CHESHIRE
M33 6AG
Company No. 03592213

PREVIOUS NAMES:
GRIFFIN FINANCE 18/08/1998

In a nut shell, The FACTS:
Ian Griffin (Myself) founded and financed the company (Griffin Finance/Harrington Brooks) in1998 then 8 years later Miles Grady and Nicholas Holmes approached me and bought my shares for £1,200,000 then sold them immediately for 500 percent more (after swearing on there children’s life they wanted to keep the business small and not to expand. Their entire reason for the purchace!

They have never taken my calls since.

“On my child’s life, we just want to keep Harrington small as a family business and we can’t sign an embracement clause as it is an insult Ian that you don’t trust us”

I will never forget those words. I still can’t believe Nicholas Holmes swore on his child’s life to get my shares.

You don’t nee to take my word… All can be checked live on company’s house today!

Search under Harrington Brooks accountants then view previous names and directors. Then check the media to see the details of the sale of Harrington Brooks and the sale…

A hate to think what’s next for Paymatters Tax advice without the experience) investors and clients?


If you take from the poor, cheat on your wife and steel you’re your friend, you’re a bad person, PERIOD!

You could take the polygraph (at my cost) and I will retract my claim.

We both know you could not pass hence you will not take one as I offered. You just can’t hide the truth, it always comes out in the end.


Regards

Ian Griffin

more details »


29671Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
Nicholas Holmes Paymatters Fraud??? »2005-201323/07/20130
My name is Ian Griffin.

I was in my early twenties when I founded a company called "Griffin Finance Ltd" which I later changed to "Harrington Brooks Accountants Ltd". (Check Companies house register for full up to date details and previous names)

I had put everything I had into this business, from coming up with the concept to all my savings and time. As the business proved to be a success I went on and employed my two neighbors and friends, Nick Holmes and Miles Grady to run the sales and bookkeeping for the company.

I thought if I had to trust anyone it was better to trust two friends than two strangers. To cut a very, very long story short, my first problem came when I had to make Mr. Nicholas Holmes and Mr. Miles Grady equal partners in the company as they had threatened to leave once we were in a position where I could not manage the company without them, as they knew.

Doing this I had given them control of my company with 66.6...% of the voting rites together. I even had to guarantee them both £50,000 per year (which was nearly double their current salaries) and a company car out of my own pocket incase the company failed in the future. 


A few years later Nick & Miles approached me and asked me, and I quote "Would you like to cash in your shares as myself (Nick) and Miles just want to keep Harrington Brooks SMALL, we DON’T want to expand any more as you do, we want to keep Harrington as a SMALL family business. I'm sure you can make more money with the cash elsewhere?" Based on everything THEY reported my shares were worth just over £1,200,000. (The actual figures revealed that they were worth 5-7 times that)

I then took advice from a friend and accountant who knew Miles and Nick - he told me "Be careful Ian, it's all a bit sudden after all this time.... make sure they sign an embarrassment clause.

This is a contract to say that if the directors, Nicchloas Holmes or Miles Grady were refinancing or selling the company at the time or within a reasonable length of time, in the future, without my knowledge, I would be able to claim back the difference as it breaches their responsibilities to their shareholders. This act is also corporate fraud and can carry a prison sentence, but the contract makes it much easier and quicker to reclaim the money as opposed to suing and criminal proceedings, which would take years. 



Business law is very clear here, the directors must inform the major shareholders of any such activities as they happen or if they know they will in the future (fiduciary duties). The law protects shareholders from dishonest directors (with insider knowledge) buying out shareholders whilst constructing a better deal for themselves without the company owner’s knowledge or even knowing there is a higher value deal on the table in the future. I called Nick Holmes at the time and said to him "Nick, will you just sign this simple document so I know there is nothing going on now or in the near future that I don't know about? " Nick Holmes would not sign it, in fact he made me feel so guilty for asking and not trusting them I withdrew the contract. He even swore on his child's life. I felt ashamed of myself for asking. Later that week I accepted their offer. 



The next thing I knew Harrington Brooks was all over the Manchester newspapers. Part of Harrington Brooks had been sold for around £15,000,000 according to the press releases. You don't have to be the Chancellor to work out what happened.

An honest person might say Miles and Nick constructed this deal before they approached me to sell my shares. Never mind the supposed entire reason for the buyout was for Nicholas and Miles Grady to keep the company SMALL and NOT to expand or sell as I was the one who was always pressuring them to bring in venture capital investment in to grow the business..." which is exactly what they did when they got my shares! 



"On his child's life..." was the nail in the coffin for me. It was all about TRUST; looking back I was such a stupid fool. I don't remember a single shareholders meeting I was invited to, despite all the huge changes made within my own company. Directors changed (Nicholas Holmes own brother) subsidiary companies set up, websites and domains moved, bought and changed. The list was endless and all of this I found out after the sale of my own company. How is this legal? It's NOT! 



They didn’t even want t me to come in to my own office after a while. Saying it undermined them and looked as if they worked for me due to I was relatively well know for other companies in the Cheshire area…

This Company was my life, the feeling of betrayal, loss, loss of trust and self-esteem lead to me having dis-facilitating depression and eventually a nervous breakdown.

I was unable to face the stress of a legal challenge at the time. Neither Nick nor Miles would take my calls after I found out about the sale. My family contacted Mr. Holmes to ask "How could you do such a thing when Ian had trusted you so much and gave you the chance in the first place? " Nick Holmes replied, "Get off the phone you silly old cow and don't get involved, tell Ian to fight his own battles" NICE! 



I have allowed Nicholas Holmes & Miles Grady to take credit for my business skills for years without saying a word. I right now see all over the place both Nick Holmes & Miles Grady state they founded my company, twitter, Facebook and even their new business PayMatters. You can clearly see on company’s house that was NOT the case.

As you can see Miles Grady was a director of my debt companies for pretty much his entire working life, so how can he possibly have 20 years expert TAX training/experience to give others extremely intricate TAX advice???
He was in direct sale/Tele sales Not TAX advisory or related services. You have to be a specific TAX trained lawyer to stay ahead of the very intricate legislation or you can be convicted of the new “TAX none compliance” laws.

They must of forgot companies house displays these details to the general public. Anyway, letting someone take credit for your work is one thing, defrauding you for millions is a very different world.

A few years later I regained my health and wrote www.CanYouTrustThem.com solely to Name & Shame Nick Holmes & Miles Grady. To my surprise the site immediately attracted 1000's of people every day using it for their own personal experiences too. I didn't write this site to make a living or profit, it is totally free to use.

I have never sold any data or made any profits from it in any way from this company. The only revenue generated is from a Google advertising banner to finance the up-keep of the website. CanYouTrustThem.com is now currently dealing with 10's of millions in disputes and getting amazing settlements every day! 



Within a few days of posting my story last week on the 21/4/2013 Nick Holmes and Miles Grady emailed me, threatening me with legal action bragging that they now have a company Called PayMatters Ltd, Barons court, Wilmslow, Cheshire, UK which is worth £45,000,000 per year and they are now losing business because of my complaint. 
It just goes to show in the age of the Internet, no matter how big they are or how many lawyers they have, a single person, armed with the truth and a laptop can now stand their ground against what was a lost cause. 



This brought another mystery to light, I Goggled Paymatters Ltd - it advertises that tax experts founded it. Miles Grady worked at the ICS Insurance then debt management for as long as I have known him and was certainly NOT a secret Tax Lawyer. Nick Holmes previously worked as a salesman for a mobile phone company prior to the debt management. So, not sure where all their Tax expertise came from??? 



Insider information:
Harrington Brooks Accountants Ltd (debt management), under the control of Nick Holmes & Miles Grady, was deregulated for VAT over 10 years ago. As a result, the company received an enormous back payment of 17.5 percent of all their clients’ payments, which, to this day, has never been given back to the clients of Harrington Brooks or associated companies. Even worse, despite being ‘deregulated for VAT, Harrington Brookes continued to charge an equivalent VAT fee - giving the appearance that there was never VAT included in the payment. All those companies that dealt with Harrington Brooks will see on subsequent invoices that VAT was included.

No clients ever found out that Harrington Brooks/All Clear Finance did not have to pay VAT.

If you were a client of Miles Grady or Nick Holmes or any of their associated debt management companies (All Clear Finance) - I would demand a partial refund on all payments – somewhere between 17.5 & 20 percent (depending on when you joined the program me). Not to mention a reduction of all your future payments!

Nick Holmes and Miles Grady pocketed millions, which should have gone back to their clients. Charging people, already in debt, around 20 percent more is just shocking and wrong! This payment and future savings on their debt repayment program could really change their lives. It is sheer greed without a care in the world for those who are struggling and losing their homes on a daily basis.

I now know why Harrington Brooks was valued so highly. The VAT deregulation enabled Nick Holmes and Miles Grady to add 20 percent to their client’s payments – which went straight into the company profits!

If you know anything about company valuations, you simply take the companies annual profits and factor (times) them by the industry rate (which varies between 4 – 8 times net profit). This makes an enormous difference to any company’s valuation if you add an extra 20 percent without any extra costs…

What Nick Holmes and Miles Grady did really does show their true character. Harrington Brooks was doing very well without keeping the VAT and certainly did not need or deserve it. The people in debt, paying this extra charge, should have got every penny back - at least morally if not legally. Moreover, they are still paying it to this day!

The citizen’s advice bureau now offers the exact same service and they do not charge the extra 20 percent on top of all your monthly payments.

For legal reasons I can't disclose all the details until my legal challenge is concluded.

As I mentioned earlier, Nick Holmes and Miles David Grady now operate a company called Paymatters. This company gives tax advice, neither of these two characters are tax lawyers or have TAX any experience I know of.


To Miles & Nick: 

I am a very fair person, as you know. If either of you read this which I am sure you will as I have just e-mailed you the link. Take a polygraph if you have nothing to hide. Answer these three questions under polygraph. If you are telling the truth I will drop and remove my complaint. (Good luck with that one!)



"Did you purchase my shares while knowing there was a more lucrative deal on the table for the company in the future?" 



"Did you make any major changes to the company without informing me or holding a shareholders meeting?" 



"Did you manipulate the companies profits report to greatly reduce the value of my shares?" (By around 500 percent :() 



Registered UK Polygraphs examinations are over 98 percent accurate.
Take the test and clear your names. I will accept results either way. Don't take the test and see your name in lights for the rest of your lives or until you settle my claim. I will never go away!!! 



There is one thing more powerful than any company or lawyer, public opinion! I await you response, which I will be posting here. I have 100 more sites just like this one ready to go live. I just want you to tell the truth and let justice be done. You should be totally ashamed of yourselves! Well, you know what they say about the truth coming out? It's out and it's staying out!!!

I am pretty sure you don’t want the clients of Paymatters (Your £45,000,000 company) knowing all about you’re alleged past and VAT theft! 


UPDATE 16/05/2013: It has now been 4 week's since I challenged Nick Holmes and Miles Grady to clear their name by taking a simple Polygraph test. Neither of them is not prepared to take the test. I do have a nasty letter threatening me and my personal life, which is not really what I was asking for, but it does show a very clear picture of Nick Holmes and Miles Grady’s character.

Ask yourself this question;

If Miles Grady and Nicholas Holmes could do this to a friend and business partner of over twenty years, who did absolutely nothing but help them get everything they have today.

What could they do to a stranger for money?

I am just about to make live
www.paymatterscomplaints.co.uk
www.milesgradycomplaints.co.uk
www.nicholasholmescomplaints.co.uk in the public interest.

Never lose sight of the FACTs:

1. Nicholas Holmes and Miles David Grady got an enormous VAT deregulation back payment, receiving all their clients VAT payments back. They Kept them for them self.

2. Nicholas Holmes and Miles David Grady then started charging the same amount in fee’s to hide the VAT deregulation payment for good. They never informed their clients of the savings to their debt payments/cost.

3. Nicholas Holmes and Miles Grady bought Ian Griffin’s own company of him for 1,200,000 (after 8 years) then sold part of it within months for £15,000,000.

4. Paymatters, Nicholas Holmes and Miles Grady now operate a TAX advice company, Nether of them are TAX lawyers. Or to my knowledge have any TAX experience as long as I have known them in over 20 years!

Also, I find it shameful that you both take credit on your various social and business sites (including your latest & your first business venture, Paymatters) that you founded my company. If you did, why was it first called Griffin Finance well before you got involved as??? I find it even more dishonest that you claim to have 20 years Tax expertise when you worked for me for practically your entire business life in debt management / direct sales.

Miles Grady & Nicholas Holmes advertise on their CV:
Harrington Brooks (Accountants) Limited was registered on 03 Jul 1998 with its registered office in Cheshire. The business has a status listed as "Live “and it currently has 2 directors. Mr. Miles David Grady, Mr. Nicholas Holmes, founded it. The business currently employs 200-249 people. Harrington Brooks formally Griffin finance (Accountants) Limited has 3 subsidiaries.


THE ACTUAL COMPANIES HOUSE RECORDS SHOW:

Name & Registered Office:
HARRINGTON BROOKS (ACCOUNTANTS) LIMITED
SALE POINT
126-150 WASHWAY ROAD
SALE
CHESHIRE
M33 6AG
Company No. 03592213

PREVIOUS NAMES:
GRIFFIN FINANCE 18/08/1998

In a nut shell, The FACTS:
Ian Griffin (Myself) founded and financed the company (Griffin Finance/Harrington Brooks) in1998 then 8 years later Miles Grady and Nicholas Holmes approached me and bought my shares for £1,200,000 then sold them immediately for 500 percent more (after swearing on there children’s life they wanted to keep the business small and not to expand. Their entire reason for the purchace!

They have never taken my calls since.

“On my child’s life, we just want to keep Harrington small as a family business and we can’t sign an embracement clause as it is an insult Ian that you don’t trust us”

I will never forget those words. I still can’t believe Nicholas Holmes swore on his child’s life to get my shares.

You don’t nee to take my word… All can be checked live on company’s house today!

Search under Harrington Brooks accountants then view previous names and directors. Then check the media to see the details of the sale of Harrington Brooks and the sale…

A hate to think what’s next for Paymatters Tax advice without the experience) investors and clients?


If you take from the poor, cheat on your wife and steel you’re your friend, you’re a bad person, PERIOD!

You could take the polygraph (at my cost) and I will retract my claim.

We both know you could not pass hence you will not take one as I offered. You just can’t hide the truth, it always comes out in the end.


Regards

Ian Griffin

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29683Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
Paymatters LLC insolvent ??? »201325/07/20130
PayMatter insolvent ???
I also notice Paymatters ltd has gone bust.
Paymatters LLC is also in serious debt according to the official UK companies records.

Registered Address
Barons Court Manchester Road
Wilmslow
Cheshire
SK9 1BQ
United Kingdom
Registered Tel: 08001216513
Trading Address Edit details
Barons Court
Manchester Road
Wilmslow
Cheshire
SK9 1BQ
Trading Tel: Add Telephone number

Paymatters LimitedEdit details
Company Number: 06969639
Company Type: Private limited with share capital
SIC Code: 7414, Business & Management Consultancy
Website: http://paymatters.co.uk
Inc. Date: 22 Jul 2009
Annual Returns: 22 Jul 2012
Annual Accounts: 31 Dec 2012
Last Updated: 09 Jul 2013

CURRENT LIABILITIES -£4,601,276 GBP
Any amount owed by a company to other agents that must be paid within one year of the date on the balance sheet.

BOOK VALUE -£2,546,342 GBP
Also known as net asset value, book value can give a rough indication of a company's net worth.

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30029Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
PayMatters complaints!!! »08/12/201308/12/20130

www.paymatterscomplaints.co.uk
www.therealmilesgrady.com
www.canyoutrustthem.com
wwwpaymatters.co.uk

Have you EVER seen more complaints about one company/person is your life???

Miles Grady is totally trashed on the net.

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30030Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
PayMatters compliance in doubt??? »08/12/201308/12/20130
PayMatters offering impossible promises put their compliance in grave doubt ?

If you are considering operating outside of IR35, have you had your contract reviewed to be absolutely certain that you do in fact fall outside IR35?

The penalties for non-compliance can be extremely severe. An IR35 battle has recently cost a contractor £99,000 for falsely operating outside IR35. Jon Bessell, whose client was the AA, lost his appeal because Special Commissioner Charles Hellier ruled that he had become “integrated” into his client’s firm

Mr Bessell in business on his own account? He concluded that [Mr Bessell] worked on parts of a project that were allocated to him - within the AA's teams which are integrated into the AA business. [The SC] is therefore of the opinion that Mr Bessell was a ‘professional employee’.”

John Bessell appealed his case and the long awaited judgment was passed in September.

Outside IR35

In order to work outside IR35, you need to be able to prove that you are working independently. Unless you have provable autonomy within the role i.e. the client has no real control over the duties you are performing, you are unlikely to fall outside IR35.

A contract can be written to fall outside IR35 but if it doesn’t accurately reflect your working practices, it really isn’t worth the paper it’s written on. For example, if a substitution clause has been included in the contract, but, in reality, you don’t know anyone that you could send in your place, the clause in the contract would have no impact on your IR35 status. HMRC would actually review your working environment and practices so a contract with conflicting terms wouldn’t even be taken into consideration in an IR35 case!

If it is ruled that you have been falsely operating outside of IR35, you would be forced to pay back all the previously underpaid tax, a penalty of similar value and interest for the time you have held onto the additional funds.

The investigation window is 5 years and HMRC can look into your accounts at any point within this timeframe. The moral of the story is: only operate outside IR35 if you are absolutely certain of your IR35 status.

An Umbrella Company removes the burden of IR35. By operating as an employee of an Umbrella Company, the IR35 rules do not apply to you! This means you can work as a contractor without the worry of any additional tax bills and penalties.

If you are unsure of your IR35 status, Contractor Umbrellas are not all compliant despite all umbrella companies claims.

It really is a matters of luck or should we say bad luck if you umbrella company get investigated and they are found out to be non compliant. If all the gossip is even half true PayMatters in wilmslow are in for huge fines.

If a company offers ridiculous 90% take home packages they are not compliant, it's just not possible.

A possible 7% benefit is all you can legally save. Less if their fees are higher than the benchmark...

I am reporting PayMatters to HMRC for their claims and adverts of impossible promises.

All umbrellas are the same. PayMatters must have special powers or they cheating!

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30031Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
PayMatters rating out of 5 is on average 1/2 »08/12/201308/12/20130

Who would go with a company with so much baggage and so little experience ?

I have Googled and Yahoo'ed (if that a word) and I must say putting Miles Grady in the Yahoo search engine is pretty shocking to say the least.

Google tends jammed with Miles Grady's self written blogs about himself. This is obviously an attempt to push down the bad reviews if you ask me.

PayMatters and Harrington Brooks are even worse.(if that was possible)

Like I said use Yahoo it will save you hours which ever company you are researching.

Great tip from www.Paymatterscomplaints.co.uk

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30032Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
Miles Grady from Paymatters telling a client they are compliant! »08/12/201308/12/20130
I have just found a picture/image of one of the PayMatters directors telling a client they are fully compliant.

Miles Grady or nick Holes I am not sure it could be either.

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30034Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
PayMatters reviews average rating 2/5 »09/12/201310/12/20130
If you took away Miles Grady's own self written reviews you would find it would be more like 0 out of 5.

PayMatters has the same directors as Harrington Brooks debt management company, yes your dealing with one of the worst companies/directors on the net according to the many reviews.

Sorry!
History has a habit of catching up to you.

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30036Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
PayMatters Total Blaggers! »10/12/201310/12/20130
I understand it is difficult to set up a new business without the credibility of a big name like KPMG and the likes. But come on, taking a picture of a random office block sky-scraper to trick people in to thinking your a big gun when your really in a converted house in a village. PayMatters really goy caught with their pants down there.

I have been looking for an umbrella service an can't get my head around how many people these guys ( Miles Grady and Nick Holmes) have upset or ripped off??

Just to give your del a giggle:
Look at their offices on their web site www.paymatters.co.uk then Google Map their registered address PayMatters, Barons Court, Manchester Road, Wilmslow, Cheshire, SK91BQ.

Its just comical, what do their staff think about it? Are they all con men??
The web is a mine field of fraudsters who will do anything to get your cash!

I Googled images of Miles Grady, Jesus what law hasn't this guy broke???

Very funny unless your a client of PayMatters.

www.therealmilesgrady.com is a giggle too.

It just all makes you think what these guys would do to get your money. I personally think just the office pictures alone are enough to be shut down and charged for misleading...

That's the trouble with this country , if we banned people like Miles Grady and the likes we would not be in such a mess with al these shady companies like 3000 percent interest loans, sell your gold for nothing, claim for an injury that never happened...

Con men the lot of them!

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30037Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
PayMaters, PayBlaggers! »10/12/201310/12/20130
I have been watching the Paymatters/Miles Grady story unfold.

So, he cheats on his wife most weeks

Robbed his boss/friend who set him up in the first place when he had nothing.

Claimed he was the founder of the company that employed him 1/2 years after it was set up.

Nicked a few million in VAT from the poor while managing Harrington Brooks.

Now gives advice he knows nothing about.

Dissolved/dropped a zillion companies

Well if he got away with a few million in VAT he can't be that stupid so maybe he will get away with it?

The PayMatters Sky-scraper in a village was a bit of a F up.

All in all NOT the best of people to trust with your company.

Not to forget 3600 % interest Loans, for the vulnerable & poor to really finish them off.

And he pays no tax with his swiss house and bank account scam.

Can't imagine Miles Grady getting a knighthood.

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30039Paymatters [PayMatters Barons Court, Manchester Road, Wilmslow, Cheshire SK9 1BQ]
Total claims:22
PayMatters on Google »11/12/201311/12/20130
We all love to use Google to find out as much as we can about a company and/or people before we use their services but be wear companies like PayMatters and their directors Nick Holmes and Miles Grady have saturated Google with self written pointless blogs, there are hundreds in the last few week as their history has caught up with them they used posting and blogging to try to replace any bad reviews / complaints about PayMatters or their personal names.

Miles Grady has been very busy recently. See for your self, Google "Miles Grady" you will be hit with hundreds of useless bloggs about himself that have only one use, to cover up some really nasty history about himself.

It does not take Google( the best search engine in the world) long to catch on to these tricks so I am sure he won't get away with it for much longer.

Always go past the first few pages of a search to find the real reviews as this trick is used by many to control the first few pages. Most people/companies don't think you will go past page 4/5 so that's where you go to get the real truth about most things on the web.

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