Car PCP through Ltd company - bad credit rating?
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  1. #11
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    Quote Originally Posted by Padge View Post
    Thanks for all the great replies. It has reminded me why I never bother with message boards.
    And yours remind why I rarely reply to new posters as they usually donít like the replies they receive
    merely at clientco for the entertainment

  2. #12

    More time posting than coding


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    Quote Originally Posted by Padge View Post
    Thanks for all the great replies. It has reminded me why I never bother with message boards.
    Why, because you heard stuff you didnt want to hear? If your co has a bad credit rating, that is down to one of three things; you have run it irresponsibly, you or another director have a poor credit rating or the company hasnt been trading long enough.

    None of that is down to people responding to your post on a message board. Toodle pip!

  3. #13

    TripleIronDad

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    Quote Originally Posted by washed up contractor View Post
    Why, because you heard stuff you didnt want to hear? If your co has a bad credit rating, that is down to one of three things; you have run it irresponsibly, you or another director have a poor credit rating or the company hasnt been trading long enough.

    None of that is down to people responding to your post on a message board. Toodle pip!


    Does that mean don't let the door slam your arse on the way out?
    I'm single now, and it's really weird for me to be dating again because, for the last three years, I've just been cheating.

  4. #14

    Still gathering requirements...


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    Quote Originally Posted by washed up contractor View Post
    Why, because you heard stuff you didnt want to hear?
    He was hoping a good internet citizen would take pity and lend him the money.

  5. #15

    My post count is Majestic

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    Quote Originally Posted by Zylon View Post
    He was hoping a good internet citizen would take pity and lend him the money.
    Kaiser has some spare money to give away. Maybe he can help.
    'CUK forum personality of 2011' - Winner - Yes really!!!!

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    Quote Originally Posted by northernladuk View Post
    Kaiser has some spare money to give away. Maybe he can help.
    Keyser SŲze?
    We have a poverty of intellect....and a glut of Cretins
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    Quote Originally Posted by northernladuk View Post
    Kaiser has some spare money to give away. Maybe he can help.
    I have some zloty I can contribute.
    "Youíre just a bad memory who doesnít know when to go away" JR

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    Quote Originally Posted by SueEllen View Post
    I have some zloty I can contribute.
    My Zil has spare seats.
    We have a poverty of intellect....and a glut of Cretins
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  9. #19

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    Quote Originally Posted by Padge View Post
    I recently applied for a PCP deal on a new car through my Ltd company rather than personally (zero emission car, low BiK, seemed a good deal). The PCP was declined because the Ltd company has a bad Experian credit score. This is simply because of the way I (and most other contractors) operate. No assets or property, low balance at the end of every year, all profit taken as dividends etc.

    Does anyone know of a way around this, or do you know of any finance companies offering car PCP for contractors?
    Quote Originally Posted by Padge View Post
    Thanks for all the great replies. It has reminded me why I never bother with message boards.
    You clearly do sometimes bother.
    Where there's muck there's brass.

  10. #20

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    Default serious questions

    how can you commit to a business lease with the new IR35 rules likely to come in the next budget?

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