⚖️ Professional Negligence · Wincham Accountants 🏠 Los Romeros Limited · Lanzarote

Wincham Claim Overview
Harrison Expert Advisors

Seven specialist AI advisers — trained on UK law, cross-border tax, Spanish compliance, and insolvency — working on the Philip Harrison / Los Romeros Limited case around the clock. Zero billable hours.

7
Specialist Advisers
4
Live Data Connections
£150k
Max Claim Value
1,606
Victim Database Records
This doesn't replace a professional's signature on a legal document. What it does is make sure you walk into any lawyer or accountant's office already knowing exactly what they should be doing — and whether their bill is reasonable.
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The Wincham Negligence Claim

Los Romeros Limited — Philip & Beryl Harrison. Two independent heads of professional negligence against Wincham Accountants / Adrem Accounting. Amended Pre-Action Protocol Letter of Claim dated 31 March 2026 — drafted and ready to serve.

Head 1 — Brexit Advisory Failure
£44,369
Trapped FTCR (£16,800) + 6 years wasted admin fees (£25,069) + forced MVL costs (~£2,500)
Head 2 — Banking Misdirection
£41k–£104k
€315,000 landed in personal account. S.455 CT charge risk up to ~£89,438 + rescue costs
Conservative Total Claim
£86,310
Head 1 + Head 2 conservative basis. PAP Letter drafted, cited, and ready to serve.
Maximum Basis
£149,807
If HMRC issues S.455 Corporation Tax charge on full £265,000 sterling equivalent
HEAD 1 — Brexit & Advisory Failure
Trapped Foreign Tax Credit Relief (FTCR) — post-Brexit double taxation~£16,800
Wasted corporate admin fees paid to Wincham/Adrem (2020–2026, 6 yrs × £840)£25,069
Cost of forced MVL — not needed had Wincham exited structure after Brexit~£2,500
Head 1 Total£44,369
HEAD 2 — Corporate Banking Misdirection (20–27 March 2026)
Additional tax — excess rate on dividend vs CGT on ~£215,000 higher-rate band~£20,963
FTCR credit lost if dividend treatment confirmed (Spanish CGT ~€18,783)~£15,978
Professional rescue costs (CTA + IP remediation)£5,000–£15,000
S.455 CT charge — 33.75% × ~£265,000 sterling equivalent (maximum basis)~£89,438
Head 2 Total (Conservative → Maximum)£41,941 → £104,438
Conservative Total
£86,310
Head 1 + Head 2 conservative
Maximum Basis
£149,807
If HMRC issues S.455 CT charge

Legal basis: Hedley Byrne & Co v Heller [1964], Bolam v Friern [1957], Companies Act 2006 ss.172–174, Supply of Goods & Services Act 1982 s.13, Limitation Act 1980 ss.2 & 14A.

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Your 7 Specialist AI Advisers

Each adviser is trained on your exact situation — Los Romeros Limited, Philip & Beryl Harrison, the Lanzarote sale, and the Wincham scheme. Each has its own skills, scope, and anti-hallucination grounding rules.

⚖️ Legal Specialists
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UK Commercial Litigation & Professional Negligence Solicitor

Your legal weapon against Wincham. Evaluates duty of care, breach, and quantum. Drafts Pre-Action Protocol Letters of Claim citing Hedley Byrne v Heller, Caparo v Dickman, Companies Act 2006, SGSA 1982, and Limitation Act 1980. Grounds every citation live via the i.AI Lex Government legal database — zero hallucination risk.

Pre-Action Protocol Professional Negligence Quantum Calculation CPR Compliance i.AI Lex API
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UK Private Client Solicitor (STEP-Registered)

Specialist in Wills, trusts, and estate planning for the moment the proceeds land in the UK. Covers Lasting Powers of Attorney, trust structures, and how to ensure the £315,000 transfer is clean and tax-efficient for the next generation. Strictly role-bounded — never drafts tax advice (that belongs to the CTA).

Wills & Trusts LPAs Estate Planning STEP-Qualified
💰 Tax & Financial Specialists
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UK Cross-Border Tax Adviser (CTA & Accountant)

CIOT-registered Chartered Tax Adviser specialist in unwinding UK LLCs holding Spanish real estate. Calculates UK Corporation Tax, applies the Spain-UK Double Taxation Agreement, quantifies trapped FTCR (£16,800 identified), models MVL vs dividend extraction (potentially £40,000+ difference), and warns against phantom EUR/GBP gains.

Double Tax Treaty FTCR Capital Extraction MVL Structuring
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UK Inheritance Tax Calculator

Runs full IHT scenarios applying NRB (£325,000 each) and RNRB (£175,000 each), calculates how the £315,000 affects overall estate exposure, models PET taper relief, assesses s.21 normal expenditure from income exemption, and compares AIM Business Relief vs outright gifting strategies — all with full workings shown.

Nil-Rate Band RNRB PET Relief Gifting Strategy
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FX & Currency Risk Adviser

Prohibits use of high-street banks (2–4% spread = £6,300–£12,600 lost on €315,000). Recommends FCA-regulated specialist FX brokers (Currencies Direct, Moneycorp, OFX — 0.3–0.6% spread). Models forward contracts to lock in exchange rates on the €9,450 AEAT retention refund — protecting value while AEAT takes up to 12 months to pay.

EUR/GBP Strategy Forward Contracts Broker Selection FCA-Regulated
🇪🇸 Spanish & Corporate Compliance
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Spanish Property Compliance Adviser

Non-resident vendor specialist for the Canary Islands (Las Palmas / Lanzarote). Tracks the 3% buyer's retention (€9,450 withheld at Notary), the Modelo 210 non-resident CGT filing (due ~20 July 2026 via independent gestoria), Plusvalía Municipal tax, and the AEAT refund timeline. Produces a dated compliance checklist.

Modelo 210/211 Plusvalía AEAT Refund Canary Islands
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MVL Process Tracker (Insolvency Specialist)

Guides the Members' Voluntary Liquidation — the HMRC-approved route to extract proceeds as a capital distribution (18–24% CGT) rather than a dividend (up to 39.35% income tax). Tracks IP appointment, Declaration of Solvency, HMRC clearance, creditor notices, and final distribution. Protects the £25,069 Director's Loan Account — repaid first, tax-free.

MVL Stages IP Appointment HMRC Clearance Director's Loan
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4 Live Data Connections

Not working from memory or training data. Every legal citation, company filing, and statute is verified in real time against official government databases — the same sources a solicitor's clerk would check.

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Companies House Live API

Authenticated access to the UK's official company register. Retrieves full filing history, officers, PSC register, share structure, and confirmation statements for Los Romeros Limited — and all 431 companies directed by Mark Roach for victim identification.

api.company-information.service.gov.uk
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UK Law MCP (Ansvar Systems)

Local and hosted MCP server containing 3,241 UK statutes and 512,651 legislative provisions. Allows direct programmatic citation of Limitation Act 1980, Companies Act 2006, Insolvency Act 1986, TCGA 1992, IHTA 1984, and FSMA 2000 — with exact section text returned.

uk-law-mcp · mcp.ansvar.eu
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i.AI Lex — UK Government Legal Archive

Built by the UK Government's Incubator for AI (i.AI) with The National Archives and Ministry of Justice. 8.4 million UK legal documents — Acts from 1267 to present, Statutory Instruments, amendments, and explanatory notes. Zero AI-generated content. Used to verify every statutory citation before it goes into a legal document.

lex.lab.i.ai.gov.uk
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Live Web & Research Tools

Real-time web search and URL fetching for live sources — AEAT tax rates, ICAEW member lookups, FX broker spreads, HMRC guidance updates, and Wincham corporate structure investigations — exactly as they exist today, not as they were months ago.

Brave Search · Fetch MCP
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Beyond This Case — The GLO Programme

Dad's case was never just about Dad. The forensic work uncovered a systematic scheme affecting hundreds of UK families in exactly the same way — and built the evidentiary foundation for a Group Litigation Order.

1,606
Records in victim database
589
Unique UK limited companies
431
Simultaneous directorships — Mark Roach
£3M+
Estimated aggregate damages pool
🔑 The Precedent That Changes Everything

Michael Harper of Crown Office Chambers has already litigated this exact scheme. Vilintone & ors v Wincham International and Bushwood v Wincham International were both settled out of court — meaning Wincham's PI insurer paid out rather than allow a public precedent that would expose their entire book to group claims. The legal theory is proven. The insurer knows the liability is real. When a law firm hears Vilintone, the conversation changes immediately.

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The Harrison Family Team

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Dean Harrison — Database Owner & Architect
Based in the United States · Data Licensor

Built the entire programme from scratch — the forensic investigation, the 1,606-record proprietary victim database (assembled from Companies House public records), the legal documents (NDA, Data Licence Agreement, PAP Letter of Claim, Pitch Report), and the commercial framework. Dean owns the database under US law. All payments from law firms flow to Dean first.

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Ellis Harrison — UK Commercial Introducer
Based in the United Kingdom · 30% of all licence proceeds

Identifies, approaches, and manages relationships with professional negligence law firms and litigation funders capable of running a GLO. Facilitates the NDA process, pitches the opportunity, and negotiates commercial terms — subject to Dean's written approval. Ellis never handles the database or contacts any victim. Receives 30% of everything Dean receives within 21 days of cleared funds.

Philip Harrison — The Anchor Case
The proof of concept that makes every law firm pitch credible

Los Romeros Limited — a £86,310–£149,807 documented negligence claim with a clear quantum, two established heads of negligence, an amended PAP Letter of Claim ready to serve, and a precedent (Vilintone) confirming the insurer has already paid out on this exact scheme. Without Dad's case as the anchor, the pitch is abstract. With it, the pitch is a fully packaged commercial opportunity.

⚖️ Regulatory Position: The data licence model requires no FCA authorisation. Licensing a database is not regulated claims management activity under FSMA 2000 or the Financial Guidance and Claims Act 2018. The LASPO 2013 referral fee ban applies only to personal injury — not professional negligence. All client-facing activity is conducted by the Licensee law firm under its own SRA authorisation. This structure was deliberately chosen to ensure full regulatory compliance.