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Expenses – Parasol consult with Treasury

October 21, 2008 in Business Expenses

Consultation over….

The period of consultation that related to Travel and Subsistence expenses for Contractors completed on the 13th October. In that time Parasol had met with HM Treasury more than once and had worked with the Service Providers Association (SPA) to ensure that the “compliance” message was heard.

Working with SPA, Parasol recommended that HMT looked at the matters around how expenses are granted and of course policed. Rest assured we ensured that the feedback we received was fed back to HMT and our position was clear, police the system do not penalise Contractors doing things properly and working for a very compliant business.

We await the formal Pre Budget Report (PBR) with much interest and will continue to brief politicians on these implications. As we have always maintained, a good “Umbrella Company” will survive this threat and Contractors should not be forced into less compliant structures which are a riskier not only for the Contractor, but also provide a lower tax take for the Government.

Expenses – a new level playing field?

July 30, 2008 in Business Expenses

As REM once said, it’s the end of the world, as we know it, or is it? Our friends in HMRC released a new consultation paper last week that explores the concept of Over Arching Employment Contracts and Expenses. Or put another way, “Expense abuse by Umbrella Companies and Agencies”.

Parasol and others are being asked to consult in relation to some of the issues around how expenses are paid. Key to this is the HMRC view that an over arching employment contract is not a guarantee of true employment and that “fairness” between workers is not being applied. There could be some union/EU pressure there but the gist is that an IT guy claiming expenses doing the same job as the “perm” has an unfair advantage over the permie. Don’t shoot the messenger! We all know that there are significant differences but HMRC take a “bigger picture” view it would seem.

If you are using or have used Parasol you will also know that we are stringent with our expense policy (and we have lost Contractors because we won’t bend the rules) but others are not. Some Agencies also allow an element of expense claiming via a PAYE solution and these factors combined have it seems, driven HMRC to take a look. Clearly there is also a tax take point here, and with deficits, some money will have to be found.

The paper presents a couple of options plus requests for other ideas. The first option (in general) looks at how HMRC can be stronger with policing expense dispensation issues, perhaps even going as far as reducing the amount of time expenses can be claimed for and on what basis – that’s the good news! The other option is for HMRC to try to remove travel and subsistence expenses for “temporary workers” completely! The latter also affects those some Agencies that use an amount of expenses with a PAYE scheme.

So, are we panicking at Parasol House?  No – I have long said that expenses should be better policed and that a level playing was better for all. Over claiming of expenses that are not actually incurred has never been good practice, seems HMRC have finally had enough. We of course believe that a properly compliant expense policy is what is needed, we can also demonstrate that we are more like an EDS or Logica than a simple trading entity. Will EDS be told to stop allowing expenses for their consultants?

So my message is that we will be keeping you updated and would want to hear your views too, Remember we are talking to HMRC about this and your support in explaining just how different you consider yourself against your permie colleagues could be vital. You will also hear and read about the end of the world for Umbrellas and as such; rest assured Parasol is very different to most. So I welcome an attempt to create a level playing field and we have an excellent track record of being ahead of the game in these matters.

Have a great August.

Rob

Expenses – The sequel

January 21, 2008 in Business Expenses, Tax

Following hard on the heels of my “Buyer Aware” article I am pleased to announce that we have secured some sensible improvements to our Expense policy for Contractors. Our fundamental practices in this area remain unchanged and it is for these reasons that HMRC were happy to increase limits where appropriate.

I won’t go into all the specific changes, our revised expense guide has all that detail but I did want to take this opportunity to make some further points around expenses.

  •  Expense approval could be considered a pain but we check every claim. Making sure the expenses are correct and legitimate is in all our best interests. The liability for mis-claiming would sit with the Contractor and whilst it may seem like “red tape” by those Umbrella Companies that do it by the book, it really does make sense.
  •  Changing Umbrella Company is not a guaranteed way to continue claiming travel to work expenses if you hit the 24 month rule (You cannot claim expenses when you know you will be at the same site for 2 years at the point you know that fact). There should be a sensible break (not 1 day!) between assignments.

Some of the above is explained when you are shopping around, some of it isn’t. As I said in the earlier article, dispensations are not an excuse to claim anything without receipts that you have not incurred. Remember, most of the red tape keeps you away from the gaze of HMRC and allows you to contract without risk.

Expenses – Buyer Beware

December 17, 2007 in Business Expenses, Industry comment

There has been quite a bit of noise and “information” flying around on various Contractor forums recently. Mostly this has related to the age-old subject of “dispensations” and how “new” providers are incorrectly using these. For the record, a dispensation is simply a facility for the employer (Umbrella) to reduce administration of expense claims from the employee (Contractor). It does not provide a mechanism for a Contractor to over claim expenses (set limits within the dispensation document) that are not actually being incurred. Perhaps we should consider some of the reasons why an Umbrella might do this…

Some of the ex Composite providers (MSC) that are now operating as a PAYE Umbrella are now facing diminished profitability and I suggest this may the over arching reason for taking some chances (with Contractors I might add!). The economies of scale and income streams they previously enjoyed have been drastically reduced following the MSC legislation. Profit from interest on corporation tax will have been hit along and new costs introduced from either changing into “accountants” or becoming an Umbrella company. Therefore they have to replace that profit with increased volumes and one way to do that is to appeal to the Contractors pocket.

Genuine business expenses are of course perfectly legitimate but the liability for claiming to set limits without receipts, and for expenses that were not incurred, is with the Contractor. Just make sure that when you receive a quote from an Umbrella it is not hiding expenses that you simply can’t claim for.

Companies promoting this type of stance do the industry and Contractors no favours. It simply suggests that legislation will be required and that will only harm Contractors and the genuine businesses that exist to help Contractors work effectively, safely and with no hassle.

Buyer Beware!

The Golden Rules (of Engagement)

December 1, 2007 in Business Expenses, Industry comment, Tax

My name is Rob Crossland and I’m the MD of Parasol, prior to that I worked as a Contractor in the IT and Finance sectors. I hope you might enjoy and contribute to my musings on contracting, employment, sport and tax!

Since the Managed Service Company (MSC) Legislation came about, there has been many reinventions of old Composite service providers, new Umbrella Companies and a re-emergence of some off shore schemes. It all adds up to a lot of confusion for Contractors, especially those coming into the market as first timers. So in an attempt to keep it simple, here are what I believe to be the golden rules:

  • Stay away from Off-shore – last time I met with HMRC – they stated that they would be going after Contractors using those models. How they locate the Contractor working through an Isle of Man scheme is not known to me, but they seemed pretty adamant.

  • It is legitimate to run a Limited Company but be prepared for more responsibility and more paper work. The MSC legislation means that an “Accountant” should not be selling you “85% take home – guaranteed” – they also cannot have control of your business banking.

  • PAYE Umbrella – Many are new to this and do not truly understand what needs to happen. Be careful of being offered over inflated expense led quotes that are not based on reality. Mr HMRC is watching. An expense dispensation is not an excuse to claim for things you do not incur.

We (Parasol) have, of course, only ever provided a PAYE service and believe that our solution is the best on the market. I say that based on 8 years of defining a solution that offers more than simply timesheets and expenses. I predict that some of these new companies will fall by the wayside as legislation gets tougher and that the good ones will progress – an obvious statement in many ways but worth looking back on in a few months and years.