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Recent content by loneb

  1. L

    mortgage issues - poor credit score

    hi all i have been looking to get myself a mortgage - i wont go into detail of how much etc however i was wondering if anyone here has got a poor credit score and was still able to secure a mortgage. If so, who did you use? I have spoken to CMME and they have said no. I have sent my details...
  2. L

    Ageny contracts - between Ltd or Person?

    Yes apologies on my end for the unclear drib drabs - will construct a clearer post next time! TheCyclingProgrammer you have quoted a good point there - number 4 can cause problems too? I know there would be problems if it was within the UK for the client etc however as its being a manager and...
  3. L

    Ageny contracts - between Ltd or Person?

    The Abu Dhabi company/client is completely separate from my current client and the AD role will all be under the UAE rules - nothing to do with the UK e.g. current client, the pay, location etc...everything is new and paid in UAE dirham where i will have a UAE address etc. EXCEPT the only...
  4. L

    Ageny contracts - between Ltd or Person?

    Apologies I should have stated - Currently everything is UK - UK Ltd, UK Client and Agency, UK Bank Account/Sterling pay. If moved to Abu Dhabi it will all be UAE so the current UK Ltd will be closed down.
  5. L

    Ageny contracts - between Ltd or Person?

    Thank you for your responses all, does help to understand if i was thinking the right way or not. Lets throw this a little of course. What would happen in this situation below - I report directly to the head of xyz department in regards to project updates, any issues etc. The head of xyz...
  6. L

    Ageny contracts - between Ltd or Person?

    There may be a opportunity for me to go perm at my current gig however the agency i am with are not keen on the move and looking for a 'finders fee' of some sort from the client or simply not allowing me to move perm. They do have the below in my contract which of course i have signed and...
  7. L

    agency billing changed?

    great thank you guys for the information. I will question the agency and ask if the change from BA to PM on my time sheet reflects the change of their rate/role put forward for me to the client. I will not fight it this time however I will bring it up at the next renewal if they are indeed...
  8. L

    agency billing changed?

    I am currently in my 7th month at my current gig - started my 3rd extension. My scope and responsibility changed from a BA to a more 'hybrid' BA / PM and with this in affect I requested a higher rate from my agency. They did not agree to my amount however did come close to it which I accepted...
  9. L

    HMRC investigation question

    sorry didn't notice i posted this in incorrect thread - please feel free to move it. thank you all for confirming :)
  10. L

    HMRC investigation question

    Thanks for the details - my problem is that i purchased a laptop for £700 for work about 1 year ago however it was purchased on the ex's credit card and i then paid expenses to myself and then forwarded it to her. I have the receipt but i no longer have her details as we haven't kept in touch...
  11. L

    insurance types

    I have got PI however should I consider any other types of insurance? I have seen people mention IR35 insurance (something along those lines) however is this needed?
  12. L

    HMRC investigation question

    Hi can anyone confirm if HMRC will review all personal bank accounts under your own name and any personal joint accounts as part of a HMRC investigation for expense claims or do they simply review receipts?

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