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[SimonMac]

There isn't, any overpayment in tax will be sorted out at the year end (although odds are there will not be an over payment as SA etc will mean you will just owe them less if you've paid yourself any dividends), move on there is no point trying to pursue this as the agency won't help as they have paid...

[SimonMac]

Have a look at this...

https://www.hl.co.uk/news/articles/l...for-retirement

[SimonMac]

I may have to admit defeat in my battle to avoid a smart meter. Seems gas meters need to be changed every 10 - 20 years, so I am getting a smart one

[SimonMac]

Check the tax code your umbrella company is using, if its a X code you will be on a non-cumulative basis anyway so each payment is treated irrespective of how much you have earnt in the tax year already.

[SimonMac]

Anyone else watching the new BBC drama Time with Sean Bean and Stephen Graham? First episode was brilliant but a very difficult watch, first series ive known can be binged watched in one go (all three episodes are in the iPlayer) but seven chosen to stagger over a few days!

[SimonMac]

Put bluntly you can't.... yet.

You mention you are starting out so you will be competing with contractors who have years of experience as contractors, the mindset, the attitude, the ability to hit the ground running is what you need to focus on. At the moment new to the market your only...

[SimonMac]

Bingo!

There is also the added bonus of having your NI stamp counted even if you earn below the threshold...

[SimonMac]

Do you have any other income? If not running a payroll will mean you can use your full £12,700 a year tax allowance...

[SimonMac]

I make that point as I know a few people who do (or did not) have their own HMRC logins (mainly due to a lack of awareness that they can have one), and only find out there is an issue with their returns when they get a letter from HMRC!...

[SimonMac]

I've been without an accountant from day 1, yes it is possible. Is it for everyone no but it is doable.

• Firstly, unless you have a very straight forward set up then don't do it. I don't invest through the company, I don't have any BTL income and I don't take directors loans. I didn't take a BBL or

...

[SimonMac]

Don’t need that info, just add a photo of Brillo in Weatherspoons and it says the same thing...

[SimonMac]

It’s a leap to go from the current plans for data sharing, which explicitly state those type of example you mention are not allowed to your worst case scenario. However I understand the hesitation to trust those in Whitehall making the policy decisions...

[SimonMac]

And I think you’ve proven the system works, you made an informed choice and your choice was to opt out....

[SimonMac]

Sorry but you’re wrong.

the GP systems are usually one of two EMIS or TPP, both privately owned suppliers of IT systems (although they have to adhere to a tech spec given to them by NHS Digital).

I’ll give you a clue CCG means clinical commissioning group, which means these...

[SimonMac]

/Sigh

Of course there is the concept of a national health service, however saying "It's the NHS's data" is incorrect as the NHS does not exist as a single entity who can be a data owner as per the ICO guidelines...

[SimonMac]

care.data

That is still a bad word in most parts ...

[SimonMac]

Which proves my point, NHS England are the commissioners in guess what England only.

The NHS is now divided into a series of organisations that work at a local and national level. The structure of NHS England is as follows:

• The Department for Health is the government department responsible

...

[SimonMac]

Side stepping the fact there is no such thing as "the NHS" so it can't own the data, it's the other way round, GP's (who are mostly their own private limited companies rather than partnerships these days) are the primary custodian of patient data, a subset is given to NHS Digital to be held...

[SimonMac]

The first sentence of that document states its for the direct care of a patient, which is nothing to so with the conversation here.

Thanks for playing though...

[SimonMac]

if only there was a way for people to find out the answer to this very simple question.....

https://www.nhs.uk/your-nhs-data-mat...ation-is-used/



I also love the complete ignorance most people have on these matters until someone...