Self Employed or Ltd

[SueEllen]

I wasn't earning too much indeed and had loads of expenses!

Expenses you can still claim if you work through a limited company and possibly a few more.

In regards to the laptop and other computer equipment being a company asset isn't a problem as who else is going to use them?

HMRC allow personal use of a company asset and the amount of use isn't quantified.

Plus even though assets depreciate and so are counted as being worthless in a few years, depending on the initial cost of the equipment the accountant may put it down as an expense.

Finally if the accountant wants control of your bank account or wants to be able to keep money on your behalf, then I suggest you choose a different accountant. The accountant should have no access to your company's money as it's your legal responsibility as the company director to ensure you pay organisations like HMRC on time.