Originally posted by tarbera
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Previously on "Car PCP through Ltd company - bad credit rating?"
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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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Originally posted by Padge View PostI 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?Originally posted by Padge View PostThanks for all the great replies. It has reminded me why I never bother with message boards.
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Originally posted by Zylon View PostHe was hoping a good internet citizen would take pity and lend him the money.
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Originally posted by washed up contractor View PostWhy, 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?
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Originally posted by Padge View PostThanks for all the great replies. It has reminded me why I never bother with message boards.
None of that is down to people responding to your post on a message board. Toodle pip!
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Thanks
Thanks for all the great replies. It has reminded me why I never bother with message boards.
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Originally posted by Padge View PostI 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?
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How long as your company been running?
Who were you applying for the PCP through?
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Originally posted by Padge View PostI 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?
Leave a comment:
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