u/Horror_Business1862

When I graduated in 2012 I was struggling like any other fresh graduate to get a job. I remember my dad used to compare me with other neighbors kids who were seniors to me and had job. Will never forget when he told me “you are a failure and will never achieve anything in life. I can write this on a paper and sign it”.

Soon after I started freelancing and started making 10x the salaries of those kids he used to compare me with. For more than a decade I gave all money to parents and didn’t save anything for myself. Moved abroad and same cycle continued. I am very successful today if compared to all my far relatives and entire neighborhood. I am living in the UK with 6 figures salary and a side business.

My frontal lobe finally developed and I decided to send home enough money so they can pay bills and not for luxuries. This is where the problem started. Now my dad believes because he cannot manipulate me anymore so my inlaws are manipulating and taking all my money. He has beef with my wife for idk what reasons. Probably believes she did some black magic on me like why is she talking to her family and I am not talking to him?

I have gone complete no contact with him for my mental peace. This is now driving him crazy. The same dad who didn’t stand by me at my worst now thinks he owns me at my best. Even when I am complete no contact with him, I still send bills money to brother so he can forward to dad.

He is now acting victim. Has called me 20 times in a day and I didn’t pickup. He sent me voice messages (which I read 2 days later) saying “you are not my son anymore and I am dead to you. Don’t ever come to my funeral when I die. I have strictly told my neighbors to bury me when I die and never wait for anyone. I don’t need any of your money and if I need any I will loan from neighbors”.

Basically he is creating scene now and telling entire neighborhood his side of story to gain their sympathies. He thinks this will somehow melt me and I will come to stop him? Now he can fuck off and act all he wants. I am done with him.

He tried his best to keep my wife and child away from me when I moved abroad. He didn’t want my wife to get passport so she may join me. Why? Because why should she have a happy life when her daughters are suffering? Her 2 daughters are suffering only because of him since he forced them into arrange marriage to jobless fucks. Again, not my problem.

I got my 1st contract recently with an overseas company and I was super scared of IR35 implications so I got insurance for peace of mind. My IR35 assessment was borderline outside. After joining I met few other UK based contractors working with the same client through their Ltd companies (outside IR35) for years and had no idea about IR35 at all. None of them even had insurance.

One dude even withdraws 90% of his income into partner’s account for smaller tax bracket and he has been doing this for years.

Just makes me wonder how many contractors are working via their Ltd companies without any clue of IR35 and insurance. All of them are sitting ducks for HMRC.

I am asking on behalf of someone so please keep judgements away.

The person is in UAE jail and needs money for survival. His family can afford but have no means to send since they are in Pakistan. They had someone in the UAE used an app that only works there and requires a valid Iqama to send it. That person is in Pakistan and can’t send anymore.

Has anyone idea how to send it from Pakistan or anywhere outside UAE?

The insurance companies only provide insurance if your contract or working practices fall outside IR35. This totally makes sense from insurance’s perspective however, we are contractors and not legal experts. In case of HMRC investigation, can the insurance refuse claim because you unintentionally provided wrong information in working practices assessment?

The only reason they think my assessment is Inside is because of lack of substitution clause but do not want to consider my working practices. For example, I need to buy my own laptop, specific tools (which cost up to £500 per year), monthly subscriptions and mobile phones for testing. My client is US based with no UK presence and has clearly stated they will not provide any of these since I am a contractor.

I used to have all those tools provided by employer when I was working as employee. I have already spent half of income from first 2 projects in purchasing those tools and subscriptions.

I was thinking to get IR35 insurance for peace of mind but since Qdos has assessed my contract to be inside, I can’t get insurance. I however have run CEST tool with absolute honesty and the result is Outside IR35. I am now forever scared moving forward like what if HMRC determines the contract to be inside IR35 a couple years late? I wont even have insurance to defend myself.