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  1. I found out on my loan contract they wrote my...

    I found out on my loan contract they wrote my name wrong.

    If the judge is indeed just looking at the fact, and just the fact between the trust and me... Then surely it's completely void?

    There...
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    Change country. Go to asia for 5 years!

    Change country. Go to asia for 5 years!
  3. Ok I see your point but it seens odd we can get...

    Ok I see your point but it seens odd we can get squeezed like that.

    What authority does the IoM court has over the UK citizen?
  4. Why would that be irrelevant? If that was so then...

    Why would that be irrelevant? If that was so then I could also argue that HMRC tax avoidance payment would be as irrelevant as well.
  5. Fact is that the money comes from our own invoice...

    Fact is that the money comes from our own invoice and they have given our money back in a form of loan. Could even provide bank statement and precise payment date.

    Sounds very black and white to...
  6. I'm fully prepared to go to court to be honest. ...

    I'm fully prepared to go to court to be honest.

    What would happen if going to court the money comes from my own invoice, it's a tax avoidance scheme and I've already settled with HMRC paying the...
  7. What offensive did they do? I just see them...

    What offensive did they do? I just see them sending email that I didn't answer...
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    Market is the same for people working with Gov or...

    Market is the same for people working with Gov or public sector for sure. I've seen even more contract for public sector during the last 8 months. So much that most of the decent contract in my field...
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    The answer is simple money we have free money...

    The answer is simple money we have free money with 0% interest rate AND unlimited money supply. Think about how much money the additional loans, furlough scheme, stimulus check have added to the...
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    How come we're getting cheaper years after years?...

    How come we're getting cheaper years after years? Its no longer worthwhile to work in IT anymore below a certain rate
  11. Replies
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    I keep having call from recruiters telling me...

    I keep having call from recruiters telling me within the first 30s of the call the max rate. Its like

    "the client can pay a max of £350, can you take it?"

    Of course I said no. Then of course...
  12. Why would that be? I'm french national with...

    Why would that be? I'm french national with settled status in uk.

    I can work anywhere in EU should I want to. And I can keep working in the UK if contract become available.
  13. I'm in this exact situation where I have some...

    I'm in this exact situation where I have some cash left in my LTD and ready to move to any better country.

    Still looking tbh, I haven't found anywhere worldwide compelling enough to give up my...
  14. Yes I know the UK and don't know enough the other...

    Yes I know the UK and don't know enough the other countries. That's why I'm asking you what countries you are looking for...
  15. Switzerland cost of living is so expensive and...

    Switzerland cost of living is so expensive and they need visa if you want yo stay there. The only way to live there would be to have a good job there... but then it would be more about having the...
  16. Ok I'm not disagreeing with you. I know there are...

    Ok I'm not disagreeing with you. I know there are tax heaven. However I don't know any I'd want to live in. I wouldn't want to live 5 years in dubai or isle of man for example....

    Which...
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    Ah I see... so its not possible to pay different...

    Ah I see... so its not possible to pay different amount of dividend depending on the shareholder....

    Makes sense now.
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    Then just declare when you pay dividend? Simple.

    Then just declare when you pay dividend? Simple.
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    Yes but what does that have to do with dividend?...

    Yes but what does that have to do with dividend? You declare and pay the dividend and thats it
  20. Just to re-iterate, what keeping your company to...

    Just to re-iterate, what keeping your company to move cash to pension would allow:

    1. £7600 saving in corporation tax for the current tax year
    2. No tax at all by transfering cash into pension...
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    Why would there be a loan account to pay...

    Why would there be a loan account to pay dividend??
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    What is the DL account? Where can I check it?

    What is the DL account? Where can I check it?
  23. It wouldn't work if you are in immediate need of...

    It wouldn't work if you are in immediate need of the money. But it's a good compromise to reduce tax liability and freedom to take another gig in few months/years should opportunity arise.

    I'm...
  24. Or just put then gradually into your pension at...

    Or just put then gradually into your pension at £40k / year tax free. It locked it up until 57 yo but then you are free to come back anytime in the UK should a gig becomes available
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    If you worked at tesco (as store staff) you...

    If you worked at tesco (as store staff) you wouldn't get £40k/year but half of that... so still better to be programmer
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    I couldn't hear properly the name of the company,...

    I couldn't hear properly the name of the company, but the phone number is +44 1923 882548. I tried a google lookup and it shown the company might be NEUTRAL FINANCIAL SERVICES? Couldn't find their...
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    97% salary retention with umbrella company

    Hello,

    Just had a call from an umbrella company telling me they are able to give 97% salary retention with their scheme. And they say it's perfectly legal, which is using the same principle of...
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    I believe pension can only be distributed from...

    I believe pension can only be distributed from company profit. However, if you were to pay your own salary via the company, then close down the company with the left over, it shouldn't be a problem....
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    Sticky: Hello I'm applying for JSA now. It's asking me...

    Hello

    I'm applying for JSA now. It's asking me if I've been unemployed for the last 6 months.

    Technically, I'm employed by my own LTD company and paying myself £790/month.

    However, I don't...
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    ahh that looks really tulip then. I didn't...

    ahh that looks really tulip then. I didn't realise.

    And of course, if we decide after the end of the scheme to top up the salary to compensate for the loss, then it could be seen as tax avoidance...
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    Fair point for occupational pension. I don't have...

    Fair point for occupational pension. I don't have that and only use SIPP, which I can manage the withdrawal rate in order to remain below the taxable rate.

    So could be different with occupational...
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    I just look at how it works, and it looks very...

    I just look at how it works, and it looks very pitiful. From the gov:
    Hours Employee Worked 33% 40% 50% 60% 70%
    Hours Employee Not Working 67% 60% 50% 40% 30%
    Employee Earnings (% of normal) 78%...
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    I'd be interested as well. Not sure how we could...

    I'd be interested as well. Not sure how we could qualify because we'd supposedly be working 1/3rd of the time?
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    Or another to put it to light, £175/week is...

    Or another to put it to light, £175/week is £9450/year.

    So if you live to 77 years you already get £94k, which is not a small amount anymore. And it's adjusted to inflation as well!

    Would be...
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    Definitely worth it because I got this £4.5/week...

    Definitely worth it because I got this £4.5/week for free because I don t pay for NI.


    And if I can accumulate without having to pay for anything for 35 years, I cumulate to £175/week.

    I...
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    Thank you. I called them again. I found out the...

    Thank you. I called them again. I found out the problem is with what's called the Lower Earning Limit (LEL): Rates and allowances: National Insurance contributions - GOV.UK

    So they told me I still...
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    That's where you have it wrong. Re-read what I...

    That's where you have it wrong. Re-read what I shared. I don't need to make any contribution
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    Ah that's great thank you. Do you have a link...

    Ah that's great thank you. Do you have a link where I can show I was entitled to credit? I don't want to have arguments, I feel like I was talking to a monkey over the phone.

    I just need to show...
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    State pension qualifying years

    Hello,

    I'm writting here because I have a problem. I used to have an accountant but she messed up and I ended up losing quite a bit of money due to wrong advice and I fired her. But now I'm doing...
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    I m just going to wait for the court to contact...

    I m just going to wait for the court to contact me. Will have a chat with the judge
  41. Replies
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    I just took a BBL and it's great for the war...

    I just took a BBL and it's great for the war chest.

    For those trying to abuse the system, here's the list of do and don't with the money from the BBL:
    Do:
    - Pay yourself via PAYE salary.
    - Pay...
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    Sticky: I just took the BBL scheme. It greatly improved...

    I just took the BBL scheme. It greatly improved my liquidity. Can now live for 1 more year being cautious and without contract...

    May still wonder if it makes sense to pay it back later on if...
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    I receiced it as well... Upon some google...

    I receiced it as well...

    Upon some google search, it looks like Felicitas director Adrian Sacco has an arrest warrant due to defrauding HMRC and own million to them.

    He can't put a foot in the...
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    Sticky: I'm going to put my belonging on ebay, gumtree...

    I'm going to put my belonging on ebay, gumtree and facebook marketplace to raise cash...:tumble:
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    I have 2 recruiters I thought were good lead and...

    I have 2 recruiters I thought were good lead and said I would be the perfect candidate. After a chat they said would contact me back.

    Never happened. I already sent a first reminder. Wondering...
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    I had a recruiter contacting me on Linkedin for a...

    I had a recruiter contacting me on Linkedin for a potential contract.

    I asked first if to confirm that it's a contract and potential day rate. (I always do that to save time). Then he offered to...
  47. You can see on your link the published date on...

    You can see on your link the published date on the 15th. The earning surprise was 9.5% above expectation:
    Infosys Limited (INFY) Earnings EPS Surprise Summary | Seeking Alpha
  48. No it was a steady grow even before. The jump...

    No it was a steady grow even before.

    The jump came from the july 14th earning report which had beaten expectation
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    Sticky: My understanding is that although you won't pay...

    My understanding is that although you won't pay corporation tax, you still have to pay additional income tax because its above the £40k threshold
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    Yes you are right. My previous accountant told me...

    Yes you are right. My previous accountant told me it was ok to expense my phone bill so I thought its ok.

    But definitely i'd be better to have a contract under company name
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