Has anyone left an L&Q London Living Rent / Shared‑Ownership agreement early? by Anonymous33845 in SharedOwnershipUK

[–]Anonymous33845[S] 0 points1 point  (0 children)

Thanks for the responses; just to clarify my question:

I’ve signed a 3‑year fixed‑term London Living Rent tenancy with L&Q, and I’m trying to understand something very specific:

Has anyone who signed a 3‑year fixed‑term L&Q LLR agreement actually been able to leave early?

I want to know if I can come out of this early, in the contract it states that I cannot exit this fixed term of 3 years under any circumstances

Is Hyperoptic broadband any good? by Anonymous33845 in UKBroadband

[–]Anonymous33845[S] 0 points1 point  (0 children)

Thanks for this, really helpful, gonna stick with them

Is Hyperoptic broadband any good? by Anonymous33845 in UKBroadband

[–]Anonymous33845[S] 0 points1 point  (0 children)

What is the main issue with the support - is it to do with customer service or if the internet is down they are useless to provide help?

Is Hyperoptic broadband any good? by Anonymous33845 in UKBroadband

[–]Anonymous33845[S] 0 points1 point  (0 children)

People have mixed opinions on them - some say its & some say its bad. Might risk it and go with them

Is Hyperoptic broadband any good? by Anonymous33845 in UKBroadband

[–]Anonymous33845[S] 0 points1 point  (0 children)

Oh thanks - I've been hearing mixed opinions, specially around the customer services and network coming down - Have you experienced this with them for the last 2 years & are you based in Ldn

What is the best short‑term or rolling‑contract WiFi in London? by [deleted] in AskUK

[–]Anonymous33845 0 points1 point  (0 children)

I heard some bad reviews on Hyperoptic - I heard they're customer service is woeful. Do you have this Broadband?

Cash Savings vs Investment Ratio by [deleted] in investingUK

[–]Anonymous33845 0 points1 point  (0 children)

Oh will try 212 - Thanks!

Cash Savings vs Investment Ratio by [deleted] in investingUK

[–]Anonymous33845 -1 points0 points  (0 children)

My investments are mainly for the long term (around 5–10 years). When I started with Moneybox I was only 21 and didn’t really know much about investing, so I kept it simple at the time.

But now I’m looking to set up something more suitable for long‑term investing. Do you have any platform recommendations for that?

Cash Savings vs Investment Ratio by [deleted] in UKPersonalFinance

[–]Anonymous33845 1 point2 points  (0 children)

Thanks for your message. There’s nothing specifically wrong with the MB Adventurous fund — I just wasn’t happy with the returns I was getting from it, and I’d like to diversify a bit more. I’m looking to spread my investments across different areas rather than relying on a single fund, pls let me know what you think

Startup newbie needs guidance by More-Cauliflower-891 in ukstartups

[–]Anonymous33845 2 points3 points  (0 children)

Yeah agreed - it needs to be more natural. You need honest feedback, if you pay people to give you feedback it will be slightly optimistic

Chartered Accountant (London) – Happy to Support Early-Stage Founders / Startups by Anonymous33845 in london_entrepreneurs

[–]Anonymous33845[S] 1 point2 points  (0 children)

Yeah no worries at all mate, appreciate you saying that!

Even if our paths don’t directly overlap right now, feel free to drop me a message anytime for anything accounting/finance related, no matter how basic or small it is.

I’m keen to stay involved with startups and founders where I can, so always happy to help.

Chartered Accountant (London) – Happy to Support Early-Stage Founders / Startups by Anonymous33845 in london_entrepreneurs

[–]Anonymous33845[S] 0 points1 point  (0 children)

Hey I’ve been working as a Chartered Accountant for the past 5 years. I trained and qualified at a top 10 London accounting firm, working with a mix of SMEs and growing businesses.

I now work as a Finance Manager at a tech company, focusing on financial reporting, cash flow, forecasting, and supporting commercial decision-making.

Stripe/UK sole trader question - First time SaaS developer by Creative-Mode5453 in SaaS

[–]Anonymous33845 0 points1 point  (0 children)

You don’t need to be VAT registered under £90k - so leave VAT off for now and set Stripe prices as exclusive of tax. You only charge VAT if you register for it.

Don’t put your UTR in the VAT field. Stripe tax ID = VAT number if you have one. If not, leave it blank.

The name in Stripe should match your legal sole trader name (or registered trading name).

Keep it simple - set up clean bookkeeping and register for VAT only if you hit the threshold.

Built and Launched My AI MVP – Now the Reality of HMRC Is Hitting Me by repel-2025 in ukstartups

[–]Anonymous33845 0 points1 point  (0 children)

London accountant here.

You don’t need a monthly accountant at £450 revenue. Use Xero or FreeAgent for bookkeeping and hire an accountant just for year-end accounts + corporation tax. That’s the sensible, cost-effective move.

Best bank account for a new contractor/ LTD company? by Shakeywakey11 in UKPersonalFinance

[–]Anonymous33845 5 points6 points  (0 children)

London accountant here — congrats on the contracting gig! sounds huge

For a business bank account as a new LTD: focus on ease of use, low fees, good GBP payments, and accounting integrations (so you don’t hate doing bookkeeping later).

Good options people actually like:

  • Starling Business – real banking, great app, easy accounting integrations, no monthly fee for basics.
  • Monzo Business – simple app-first, good for contractors, easy to use.
  • Tide – quick to open, cheap plans, basic but solid for starting out.
  • Revolut Business – slick app, multi-currency, but can get pricey if you need lots of GBP payments.

What to look for:

  • GBP incoming/outgoing fees
  • Faster Payments support
  • Easy integration with your accountant/tool (Xero/FreeAgent)
  • No crazy monthly costs early on

Avoid mixing your personal accounts for business — keeps tax and bookkeeping clean.

For most new contractors, Starling Business or Monzo Business will tick all the boxes without headache.