Comments on: Health warning: Crunch giving wrong advice as saas provider

By: saaslover

saaslover — Tue, 15 Sep 2009 16:18:51 +0000

I'm a customer at crunch and had nothing but excellent advice from the team at crunch. I've just found this posting from Duane Jackson and now realised why Dennis tried to make a storm in a tea cup over this….Check this out:
http://blog.kashflow.com/2009/08/17/accmanpro-tim…

By: Dennis Howlett

Dennis Howlett — Sun, 19 Jul 2009 10:29:22 +0000

One of our earlier commenters made a similar point. The problem is the way Crunch positions this NO-ONE has to file. That of course is untrue.

By: Ali Choudhury

Ali Choudhury — Sat, 18 Jul 2009 21:06:36 +0000

I'm quite sure you don't have to complete an SA return for a company director unless they've been given a notice to do so by HMRC. A number of clients I've acted for had been appointed as directors to their family businesses but drew no salaries from there and did not require P11Ds to be filled in. Most, if not all, were told they were not required to send in an SA100.

By: Crunch: avoiding the substance, classic error | AccMan

Crunch: avoiding the substance, classic error | AccMan — Fri, 17 Jul 2009 06:53:57 +0000

[...] When I spoke with Michael Rose at Crunch, I recorded the short conversation knowing that if anyone chose to challenge assertions then I might need to show what was actually said. There is a link to that recording at the end of this post. (2 mins 34 secs) I leave it to others to decide what they make of the conversation (per above) but these are my thoughts: [...]

By: Stuart Jones

Stuart Jones — Wed, 15 Jul 2009 08:57:22 +0000

I apologise David. Your comments are so supportive of Crunch that I assumed you were part of the company (it doesn't help that I can't "see" who you are from this site).

By: David Griffiths

David Griffiths — Tue, 14 Jul 2009 19:33:06 +0000

@Stuart. Humble apologies for boring you. Just one point to clear up. MY website doesn't make any reference whatsoever about tax savings of £3-£4k. You seem to have it confused with somebody else's site. And I can't see what your wait for the "relevant department" to reply to you has to do with me. Why don't you ask somebody connected with Crunch?

And I calculate that somebody on £50,000 a year who transfers to a limited company will save £2,800 overall, and still not be in the higher rates of tax. Hope that's not too tedious.

By: Stuart Jones

Stuart Jones — Tue, 14 Jul 2009 08:51:37 +0000

This is becoming somewhat tedious David.
You say "there are plenty of directors of small companies who draw salary under PAYE plus dividends which take them nowhere near the higher rate limit" but these aren't the businesses which are looking at the tax savings of £3K to £4K mentioned on your website. A sole trader with profits of £25K would save about £1300.
You appear to be attracting clients with the tax savings attributable to businesses whose directors will have to submit personal tax returns without mentioning the personal obligations of the directors and justifying this by quoting the example of a business which " is nowhere near the higher rate limit".
A very mixed message indeed.
BTW I'm still waiting for the "relevant department" to reply to my earlier question.

By: David Griffiths

David Griffiths — Mon, 13 Jul 2009 20:32:39 +0000

@Dennis. I guess that we'll have to agree to differ. I certainly don't see this as in any way "aggressive", and completing (and presumably charging for) a tax return for somebody who doesn't need to submit one could equally well be criticised.

If there are untaxed benefits under P11d, then there would be obligation to notify, of course, but if there's a dispensation in place a P11d is often not required. There are plenty of directors of small companies who draw salary under PAYE plus dividends which take them nowhere near the higher rate limit, so it's unlikely that people would be in and out of the need to make returns. We've actually had, in the last 12 months, directors who have received letters from HMRC advising them that they won't be required to make tax returns in future, plus a fair number who have never been sent tax returns

By: Mark Davies

Mark Davies — Mon, 13 Jul 2009 17:40:57 +0000

I agree, the provision of both software and services can be problematic, both for governance and also company focus, which is why I wrote about this being a Conflict of interest"e-conomic.

By: Crunch Gets It So Right, and at the Same Time So Wrong | CloudAve

Crunch Gets It So Right, and at the Same Time So Wrong | CloudAve — Mon, 13 Jul 2009 09:31:25 +0000

[...] so good. Unfortunately the story takes a sad turn here. Dennis deserves another tip of the hat for breaking the news that some of the tax advice a Crunch employee was giving, was in fact wrong. The advice [...]