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  1. Replies
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    Why not get both Curve and CoT? Use the former...

    Why not get both Curve and CoT? Use the former for personal tax and the latter for company tax. The Curve card is, at least in the short term, going to struggle to provide enough limit to do it all....
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    You can pay your company taxes with a personal...

    You can pay your company taxes with a personal debit/credit card. Doesnt have to be a company one.
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    Only takes a few months to get the limits up. ...

    Only takes a few months to get the limits up. Mine is £100k now, but ideally need more.


    Yes you can. You could link it to a Tesco card, or an HSBC Premier card, both of which can transfer to...
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    ..or you just get the Curve card which is free.

    ..or you just get the Curve card which is free.
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    My experience is without TTP. But arranging TTP...

    My experience is without TTP. But arranging TTP is part of the negotiations stage, which doesn't have the same defined timeframes. Once you have agreed your liability and your TTP option, then I...
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    The signed deed is that confirmation, as the...

    The signed deed is that confirmation, as the contract wording states that it is the full and final settlement of tax iro the loans in question, and confirms that LC won't apply.

    That said, did...
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    There is no definitive answer for how long it...

    There is no definitive answer for how long it takes them to process each stage, as it depends on backlog and case complexity etc. However, as I outlined above (and in here4beer's post), the final...
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    I got my final "Settlement Deed" in the post last...

    I got my final "Settlement Deed" in the post last week. This is the contract that I need to sign, and have witness sign too, before sending to HMRC to sign. You get one month to sign and return the...
  9. Well, I put in my desired rate at the top end,...

    Well, I put in my desired rate at the top end, with an additional £50 for expected negotiation, and they accepted it (after seeking exec approvals). So happy days.
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    ...or indeed any Amex!!

    ...or indeed any Amex!!
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    Here's a code / direct link: Referral Link...

    Here's a code / direct link:
    Referral Link

    P.S Dont be confused that the webpage initially suggests you take the SPG Amex credit card (its the highest bonus points offering), you just scroll down...
  12. A slight side question. I have one other...

    A slight side question. I have one other interview already arranged for tomorrow. What is the most professional approach to managing two negotiations?

    For example, if I state my rate to a...
  13. Certainly not 'desperate' for the job, but it is...

    Certainly not 'desperate' for the job, but it is a good one.
  14. I get that, but you still need a view of what...

    I get that, but you still need a view of what they might pay in order to know how negotiations might go. For example whether you're close enough to ballpark to be able to hold ground and say "I'm...
  15. New job, no agency - best approach to negotiate rate?

    One of the benefits of an agency is their insight into what the client really might pay, and s o the negotiations are a bit easier

    I've been offered a new contract which I've got direct with...
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    Not really. Whilst I spent the last 12 months on...

    Not really. Whilst I spent the last 12 months on a Brexit programme, it is a negligible contribution to overall Insurance market temp resource requirements, and has all but concluded now.


    I'll...
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    I work in Insurance and very much a market upturn...

    I work in Insurance and very much a market upturn recently, at all levels of experience.
  18. Thanks all. As you can imagine theres quite a...

    Thanks all. As you can imagine theres quite a back story to this and I don't really want to go into the detail here. But on the specific point of property in company Vs transferring privately, I've...
  19. Ah yes, forgot about stamp duty.

    Ah yes, forgot about stamp duty.
  20. The golddigga is a lady about 65yrs old. The...

    The golddigga is a lady about 65yrs old. The contract isn't actually in place yet, it is in final stages of being written by the lawyers. It arises as a result of the probate. So the lawyers are...
  21. I'm the only shareholder. To any fiduciary is to...

    I'm the only shareholder. To any fiduciary is to myself.
    The lifetime interest is an out of court settlement to a legal dispute. So it is a solid contractual agreement for the owner of the...
  22. Inherited Ltd company with a property - close down or retain?

    Am going through probate and have inherited a Ltd company in which there is just one rental property (no rental income though as a golddigga got a rent free life interest!). So I have to act as...
  23. ...to be consigned to the dust of the history...

    ...to be consigned to the dust of the history books.
    I think that "winning" a debate, with no subsequent impact is of very little interest/consolation to those facing the tax bills.
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    I would counter that with my experience being...

    I would counter that with my experience being that sometimes a recruitment freeze is actually a boost to contract work. The company cannot increase headcount, but contractors don't contribute to...
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    Have you looked on any other credit report sites?...

    Have you looked on any other credit report sites? Your credit card application may not have even involved Experian.
  26. What a question! So many factors, most of them...

    What a question! So many factors, most of them personal choice. But basically, its absolutely not 'worth it' to quit your 'well paid job' simply in respect of this single 6mth contract. However,...
  27. So does the debate get unsuspended after they fix...

    So does the debate get unsuspended after they fix the leak then? Or is it just tough luck, and on to the next topic?
  28. I read through the transcript, and although the...

    I read through the transcript, and although the debate is strongly anti-LoanCharge, I wasn't sure what to make of the fact that the debate just stops. No discussion of actions or next steps. So I'm...
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    Not sure what that has to do with my post? I...

    Not sure what that has to do with my post?

    I was simply saying that one's ultimate liability for IHT has nothing to do with whether you "tick the box" or not.
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    It makes no difference. If a charge is due on...

    It makes no difference. If a charge is due on the release of a loan, then it will arise regardless of whether you forewarned them (by ticking the box). So if anything, you might be better knowing a...
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    Thats not quite what they said. They said if you...

    Thats not quite what they said. They said if you gave them all the information then delays at their end wouldnt be held against the taxpayer. If you have already received your settlement quote,...
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    Maybe for those going for the LC, It's a bit late...

    Maybe for those going for the LC, It's a bit late for those with a settlement offer deciding whether to accept or not. Can't leave it beyond 5 April.
  33. Replies
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    I can't see how a recorded delivery letter and...

    I can't see how a recorded delivery letter and receipt proves anything, if the HMRC are being arsey. It only proves the delivery of an envelope, not the content. Otherwise anyone can just defer...
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    Not directly, no. So I use my Curve card which...

    Not directly, no. So I use my Curve card which turns a credit card into a debit card, so I continue to earn my credit card points when paying HMRC. I even paid about £10k on an Amex (but then Amex...
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    Does a settlement sum appear on your normal self...

    Does a settlement sum appear on your normal self assessment balance on GOV.UK? Just wondering if you can pay it off via their online payment system rather than bank transfer for example? Would be...
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    Can you expand on this? The settlement offers...

    Can you expand on this? The settlement offers seem to arrive with a 30day acceptance period. Their email above suggests that you need to accept within that period to avoid LC. How come you suggest a...
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    Sticky: I'm in the same boat, although I received mine...

    I'm in the same boat, although I received mine earlier than Jan. I wonder if people in our situation are now excluded from the general 'noone will be disadvantaged due to delays' indication, as they...
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    I wonder what this tells us in practice? I...

    I wonder what this tells us in practice? I thought we had to settle by 5 April (i.e. sign contract) whereas this uses the wording "start the settlement process". What do people think the triggers are...
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    As it's still in your SIPP, you can still use it...

    As it's still in your SIPP, you can still use it on champagne and hookers after retirement. Don't lose hope.
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    Thanks, by 'missive' do you mean the following...

    Thanks, by 'missive' do you mean the following (which doesnt give any details or contact info other than the above email).


    Alan Jones has had to retire due to ill health, as a result we now...
  41. Very interesting to watch, thanks. HMRC very...

    Very interesting to watch, thanks. HMRC very unrepentant as you'd expect.
  42. Replies
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    Not really, they're very evasive. I got a simple...

    Not really, they're very evasive. I got a simple statement of loans back in October, but no responses to any other queries since. The trustee changed from Alan Jones to 'someone else' last year,...
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    ...but as suggested to in other thread not...

    ...but as suggested to in other thread not settling may mean you can't get loans written off and achieve closure. So ups and downs.
  44. Sorry, why is it that you can't get a loan...

    Sorry, why is it that you can't get a loan written off if you pay a Loan Charge?
  45. Ah, bummer. Def want to get loans written off...

    Ah, bummer. Def want to get loans written off and have closure. I was hoping I could take my time and see what the Lord's review said, but that doesn't really give any time to accept settlement...
  46. Quick sanity check on this one. I didn't end up...

    Quick sanity check on this one. I didn't end up accepting the settlement offer, yet. But i'm now thinking there's no rush in my case.

    - All loans in one tax year, 2008/2009.
    - Is a closed year....
  47. Very useful, thanks for writing. Out of...

    Very useful, thanks for writing.



    Out of interest, how does it follow that a 'review of the impact' would also produce such 'recommendations'. Wouldn't we just expect treasury to make a...
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    Why would you set your warchest by reference to...

    Why would you set your warchest by reference to your full rate rather than your living expenses? A contractor with a high income low outgo could live for 2 years or more on 6mths full rate.
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    Just to add a slightly different angle to this,...

    Just to add a slightly different angle to this, as I work from home on Monday morning and then drive to client at lunch (160miles).

    Whilst I had no issue with being able to still work long hours...
  50. As webberg says, even if the LC is dumped, this...

    As webberg says, even if the LC is dumped, this doesn't expunge the liability. I'd rather have (very costly) closure whilst I still can afford it. I can't take the gamble with my family's financial...
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