Reply to: Crapita...

[SlipTheJab]

It may be different now as that was around 10 years ago.

In my view though, PCG/IPSE+ is all you need for peace of mind.

Amen to that, In my view the premium for IPSE+ is a no brainer, best 200 odd quid you are ever likely to spend.

[Batcher]

So QDOS insurance is a waste of time by the sounds of it (money making exercise?), god bless the PCG/IPSE!

It may be different now as that was around 10 years ago.

In my view though, PCG/IPSE+ is all you need for peace of mind.

[moggy]

isn't that the case for most insurances though. Happy to take the premiums but would much rather you never made a claim.

Sounds a poor show though Batcher, fair play to you making it out the other side.

[SlipTheJab]

So QDOS insurance is a waste of time by the sounds of it (money making exercise?), god bless the PCG/IPSE!

[MicrosoftBob]

Just never had to use any insurances yet after contracting for fourteen years, so it's interesting to see real world cases

[Batcher]

And what was their excuse/reasoning for this ?

They said there was a very slim chance of winning so they didn't believe it was worth the chance. They would have taken it on if I paid the money.

My case was passed around various people in QDOS so I kept having to update the new person with my case details which I'm sure didn't help. Eventually PCG gave me advice on how to deal with HMRC at the point we were at which I passed onto QDOS and they acted on it. The case was quietly dropped a few months later.

In hindsight I should have gone straight to PCG but I had the QDOS insurance specifically for IR35 so that seemed like the correct thing to do.

[MicrosoftBob]

QDOS let me down at the time so I stopped their IR35 insurance. They wanted me to pay the £7k to take my case to the commissioners which I thought was exactly why I had the insurance.

And what was their excuse/reasoning for this ?

[Batcher]

I can't argue any of that but you get three free contract checks with QDOS PI/PL so why not.

QDOS let me down at the time so I stopped their IR35 insurance. They wanted me to pay the £7k to take my case to the commissioners which I thought was exactly why I had the insurance.

[northernladuk]

I haven't had a contract checked for years.

Ever since my IR35 investigation when HMRC got Clientco's HR department to agree to what they said my working practices were despite me having signed CoA from the HoD who actually knew what I did. My contract had been checked but was disregarded by HMRC.

I feel that I can decide if a contract is outside and can get it altered if it's a bit dubious. No point in spending hundreds of £ to get it checked when HMRC will ignore it anyway.

Apart from that, I think IR35 is a dead duck and is only used to frighten newbies into paying more tax than they need to. If you are a member of IPSE+ and have confidence you are within the rules then you have nothing to fear.

I can't argue any of that but you get three free contract checks with QDOS PI/PL so why not.

[Batcher]

Ah.. No point having a contract check then.

I haven't had a contract checked for years.

Ever since my IR35 investigation when HMRC got Clientco's HR department to agree to what they said my working practices were despite me having signed CoA from the HoD who actually knew what I did. My contract had been checked but was disregarded by HMRC.

I feel that I can decide if a contract is outside and can get it altered if it's a bit dubious. No point in spending hundreds of £ to get it checked when HMRC will ignore it anyway.

Apart from that, I think IR35 is a dead duck and is only used to frighten newbies into paying more tax than they need to. If you are a member of IPSE+ and have confidence you are within the rules then you have nothing to fear.

[MercladUK]

It goes with the territory.

If you wanna work under CL1 then this is what is required
If you wanna work in banking expected similar

it has become the norm.

CL1 contracts are now pretty much ok (still get these checked), but it is the working practices which you will need to get confirmed.

good luck

[SimonMac]

Every time I am asked for scanned documents etc, I keep a secure copy which I can then just use next time, ok until I realize the copy of my passport I have on file expired years ago

[tractor]

.....

This does mean crapita destroys paperwork.

Yes, but usually it's all the project paperwork and documentation

To be fair, they used to be great, one of my best contracts was with them, then they fell into bed with the government and it all went wrong from there.....

[TheLordDave]

Thankfully it's via an agency to capita so I'm fairly insulated from it but it did takes them 6 weeks to refuse a rate increase last renewal...

[Ramrod]

Many moons ago I worked as a perm for Capita - I have never come across such an incompetent bunch of cockhandlers in my life.

I have turned contracts down since due to their being Capita involvement*.





*I will admit I probably wouldn't have been so principled/choosy had my warchest been been hollow.