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  1. Replies
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    Only you can answer that question!

    Only you can answer that question!
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    Personally I couldn't turn up for work and do a...

    Personally I couldn't turn up for work and do a good job knowing I'm being shafted on rate. Just take out a bounce back loan, enjoy the summer off, work on the plan B, learn something new and put...
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    you don't have to drive it, it's just a question...

    you don't have to drive it, it's just a question of it being on your driveway so the neighbours can hate you even more.
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    Thought does cross my mind that if a 'contract I...

    Thought does cross my mind that if a 'contract I cant refuse' were to come along, I'd be down the Jag dealership for an iPace company car. 0% BIK.
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    Funds in my account courtesy of RBS first thing...

    Funds in my account courtesy of RBS first thing this morning (applied Monday 09:03). It's been quite stressful as there was no real guidance on what to expect and when. But now that's all resolved...
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    sounds like a case of 'plenty cheapness' [nod,...

    sounds like a case of 'plenty cheapness' [nod, nod, nod]
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    yeah, probably some .NET (or similar) code in...

    yeah, probably some .NET (or similar) code in there that's expecting a single director:

    var director = customer.Directors.SingleOrDefault(...); // throws an exception if there's more than one -...
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    so, applied 09:03 yesterday to RBS and my email...

    so, applied 09:03 yesterday to RBS and my email link to the application form came through just before 17:00. Completed it and received a copy via email but no further instructions. I'm assuming it...
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    RBS - fill out a simple form and you receive an...

    RBS - fill out a simple form and you receive an email confirmation advising:



    almost 3 hours later and nothing. I know I'm not alone.
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    Interesting. I guess technically I couldn't be...

    Interesting. I guess technically I couldn't be applying for the bounce back loan if I was furloughed either. I'd also want the option of paying the loan back early just in case a contract came...
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    Bounce back loan + CJRS

    Just wondering whether it would be possible to furlough yourself to get the CJRS and at the same time take out a bounce back loan? I mean, what would you put down as the purpose of the loan,...
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    Isn't Cornwall the second wettest county in the...

    Isn't Cornwall the second wettest county in the country?
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    Been working from my Spanish place over the...

    Been working from my Spanish place over the winter a couple of days a week for the last 3 years. Constant flying back and forth a pain in the arse. Hopefully this 'new norm' will lessen the need.
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    That's the sweet spot for me as well. Did it for...

    That's the sweet spot for me as well. Did it for 2 years. It enabled me to feel part of the scene in London whilst only being away from home around 48 hours. Although I was sharing a flat down...
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    and that's just his 'opinion'. Did you ask him...

    and that's just his 'opinion'. Did you ask him to point you to the area of guidance where it said you weren't entitled?
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    https://upload.wikimedia.org/wikipedia/en/f/f3/X-R...

    https://upload.wikimedia.org/wikipedia/en/f/f3/X-Ray_Spex_-_Germfree_Adolescents_album_cover.jpg
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    That sounds disgusting!

    That sounds disgusting!
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    see above but tbh, I'd trade a £ 60 fine for £...

    see above but tbh, I'd trade a £ 60 fine for £ 750 a day anytime.

    The lockdown has to end or be eased soon or the whole economy will disappear into a black hole. In a bid to save a few...
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    Obviously talking about when travel restrictions...

    Obviously talking about when travel restrictions are eased.
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    Wondering whether the costs associated with...

    Wondering whether the costs associated with 'looking' (travel/hotel expenses) are still claimable while the 'looker' is furloughed? Can I still bang the train fare to London and hotel costs on the...
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    Currently on the bench so I can't say but I...

    Currently on the bench so I can't say but I predict most organisations will downsize office space and hot desk more, which is good for flexibility, the environment, productivity, etc. There are...
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    You could argue had it not been for IR35, that...

    You could argue had it not been for IR35, that person wouldn't have made the decision to leave their client at the end of December (or had been terminated) and may or may not have been impacted by...
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    I'll re-paste the line again in case you missed...

    I'll re-paste the line again in case you missed it:

    If you cannot maintain your current workforce because your operations have been severely affected by coronavirus (COVID-19), you can furlough...
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    You've said this on a couple of threads now and...

    You've said this on a couple of threads now and it's totally incorrect. Here is the guidance:

    Check if you can claim for your employees' wages through the Coronavirus Job Retention Scheme -...
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    Because IR35 changes basically killed the market...

    Because IR35 changes basically killed the market just before Coronavirus came along. Whether it's Coronavirus Job Retention Scheme or IR35 Job Retention Scheme I couldn't really care. The...
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    Except you forgot to mention that dividends come...

    Except you forgot to mention that dividends come from profits, which have corporation tax applied to them, currently at 19%, before then having dividend tax applied at 7.5% (lower rate)
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    Good stuff. Congratulations. I had a mail...

    Good stuff. Congratulations. I had a mail yesterday regarding one of my leads that fell by the wayside a couple of weeks ago. Still only a 50/50 chance but if it comes off I'll be very happy. ...
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    Had contact today from a couple of agents I know...

    Had contact today from a couple of agents I know regarding big paying contracts at a well known investment bank now having done a u-turn on blanket bans on PSC's. Whilst I could do with landing work...
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    So, you're telling me I can charge an...

    So, you're telling me I can charge an introduction fee to my Limited company? I like it a lot!

    I'm also the director of another Limited company that is currently dormant. Might be worth putting...
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    Totally agree. Can you imagine paying for your...

    Totally agree.

    Can you imagine paying for your groceries at Sainsbury's and the check-out girl says "£60 please" and you counter that with the times are tough argument and you've got £ 40, take it...
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    Coronavirus Job Retention Scheme. I see it...

    Coronavirus Job Retention Scheme. I see it quite simple. I'm tempted to lay myself off as an employee of my Ltd because the impact of the Coronavirus on the contracting market and wider economy is...
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    Current market is way worse than anything I've...

    Current market is way worse than anything I've seen in 16+ years contracting. Even in the financial crisis, there were roles to be had, there was just a lot of competition for them. If it continues...
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    'job'? So you've gone permie then?

    'job'? So you've gone permie then?
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    Here here

    Here here
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    You don't think the decimation of an entire...

    You don't think the decimation of an entire sector due to IR35 is a 'big loss'? Also, it's all relative. Around £ 3k off the Flat Rate Scheme + £ 7k dividend tax is a big loss to somebody earning...
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    The principle is the same no matter the mechanics...

    The principle is the same no matter the mechanics 'profits not yet realised'.
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    Yet they don't have a problem demanding tax for...

    Yet they don't have a problem demanding tax for profits not yet realised either, end of January and balancing payment end July.
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    Some might look at this as an opportunity to claw...

    Some might look at this as an opportunity to claw back some of the big losses of the last few years with the war on contractors:

    Flat rate VAT Scheme
    Dividend Tax
    IR35


    If it wasn't for...
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    I can see me getting an antibody test that...

    I can see me getting an antibody test that confirms I had it then running to my local pub, only to find it still shut as the landlady didn't!
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    Ha ha ha. I was thinking about you as I was...

    Ha ha ha. I was thinking about you as I was reading the post. Lol.
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    well, two of my three possibilities have now gone...

    well, two of my three possibilities have now gone down the pan and the other looks only 50/50 at best. But yeah, the market is absolute tulipe at the moment. IR35 killed it and Corona nailed the...
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    Well, I have 3 good possibilities on the go and...

    Well, I have 3 good possibilities on the go and I'm not really looking, given I planned on taking a few months off to see how IR35 panned out. To be fair, 2 of those are with previous clients. I do...
  43. Ha ha ha ha

    Ha ha ha ha
  44. Replies
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    They're thick as pig tulip aren't they? Do they...

    They're thick as pig tulip aren't they? Do they really think all these 'wronged' contractors are going to turn up for work on Monday and bust a gut for the cause? Ha ha ha. Laughable. Now, what...
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    I hear another big bank has just done a U-turn on...

    I hear another big bank has just done a U-turn on them banning PSC's (sorry can't name them as I'm in with a shout). The house of cards is starting to topple.
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    10 to 15 years!!!!!! Precisely these kind of...

    10 to 15 years!!!!!! Precisely these kind of people that should get ****ed by HMRC in my view.
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    Find fairer IR35 clients. OffPayroll.org.uk...

    Find fairer IR35 clients. OffPayroll.org.uk

    Scroll down to the list of u-turns / deferrals. There were no entries at close of play yesterday. I expect that list to grow over time. Other banks...
  48. Said it before, these aren't true contractors. ...

    Said it before, these aren't true contractors. You don't liquidate your company at the first sign of trouble. Not unless you were really a permie all along. I have absolutely no compassion for...
  49. I'll drink to that. no nudity...

    I'll drink to that.

    <mod snip>
    no nudity please. Get an Italian VPN and log in to the hub pro for free
    </ mod snip>
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    ha ha ha ha ha.

    ha ha ha ha ha.
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