"What did your accountant say?"

[SueEllen]

Point being, that taxes and financial affairs are something that you would notice any errors immediately like dripping water, its months later when you have rising damp, mould and a sagging ceiling, only then would you realise what kind of cowboy plumber you had. Same with accountants sorry to say. So now do you see my point?!

Nope.

You've admitted to hiring both a plumber and an accountant without asking for personal recommendations from real life people that you trust including those in the trades who can't help you for one reason or another.

You also admit to not actually trying to find out exactly what the problem is yourself.

Taking anyone at face value means it's easy to rip you off.

And yes, I am within IR35 and since Im not trying to invent something to get onto Dragons Den, technically Im not a business, Im a freelance professional trying to maximise my take home.

You still don't understand the other points on this thread do you?

You are not within IR35 your current contract is.

That means you cannot subcontract the work out to another company/person. Some clients want to know who exactly is doing the work while others don't care as long as the work is done to a decent standard.

[LisaContractorUmbrella]

"And yes, I am within IR35 and since Im not trying to invent something to get onto Dragons Den, technically Im not a business, Im a freelance professional trying to maximise my take home."

Motzart, if your current contract is within IR35 then you cannot 'maximise' your earnings as they are subject to tax and NI through PAYE if you are working and resident in the UK

[blacjac]

Point being, that taxes and financial affairs are something that you would notice any errors immediately like dripping water, its months later when you have rising damp, mould and a sagging ceiling, only then would you realise what kind of cowboy plumber you had. Same with accountants sorry to say. So now do you see my point?!

Erm no, the point being made was that you would not check the work a plumber had done because you wouldn't know how to.

A point I think I clearly pointed out was bollocks.

[escapeUK]

That means you cannot subcontract the work out to another company/person. Some clients want to know who exactly is doing the work while others don't care as long as the work is done to a decent standard.

And that he is directed and that he has a mutuality of obligation.

You have to have all three to be in IR35, lack of just one may lead one to being outside of IR35.

Personally I write my own contracts, but thats because Im running a business and finding my own customers and not a disguised employee working via an agent.

You know, I think this would have been a much better test of a real business. Real businesses have control over terms and conditions. They also rarely find clients via a 3rd party who then gets paid and pays them.