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You'll see that something of a lively debate is taking place on this Flagyl 250 mg, BBC blog.

Earlier today I responded to earlier comments on the thread that mentioned Zopa, flagyl 2000 mg, Flagyl 750 mg, to say that a simple change to the tax laws would make Zopa lending a much stronger competitor to the banks. As I said, buy flagyl online, Buy flagyl online without prescription, we have gained cross-party support for this endeavour, but we'd welcome the support of any lender out there who'd like to add their voice to the thread of comments on the BBC blog, metronidazole 2000 mg, Order flagyl er online, or why not email the Chancellor direct at ministers at hm-treasury dot gov dot uk. Ciprofloxacin hcl 500mg tab. Buy flagyl online without a prescription. Ciprofloxacin hcl 500mg. Buy cheap flagyl. Can you buy flagyl over the counter. Flagyl tablets 200mg. Flagyl 200mg. Buy generic flagyl. Ciprofloxacin hcl 500 mg tab. Buy flagyl online without prescription. Buy flagyl er online. Ciprofloxacin hcl 500mg. Buy flagyl 250 mg. Flagyl 500 mg without prescription. Flagyl 200mg tablets. Flagyl and cipro taken together. Metronidazole 2000 mg. Can i buy flagyl over the counter. Order flagyl er online.

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2 comments

Bruce Davis

Posted on October 21st, 2009 at 5:59 pm

Inadvertently, fighting zopa’s corner got my knuckles rapped by the mods on the bbc (aren’t they guys in leather jackets and chromed up mopeds?)- should have declared my interest. My own fault for posting after a whisky tasting session in the name of ethnographic insight!

Danvers Baillieu

Posted on October 27th, 2009 at 9:21 am

Just caught up with this post rather late and now the thread on the BBC site has moved on.

I would be very interested in understanding more about the tax position. Under general tax principles, if lending on Zopa was “in the course of business” then it would make sense that losses could be off set against profit. If lending is done “in the course of business” then a consumer credit licence is required. You (i.e. Zopa) say a consumer credit licence is required if more than £20,000 is being lent out. I am not sure of the basis for that. The last time I looked I could not find a specific provision in the legislation that made £20,000 the threshold (there used to be one, but it was abolished). However, £20,000 seems a reasonable cut-off for “amateur” lenders.

On the other hand, there is nothing to stop someone lending £5000 from apply for a licence and declare that they are running a business.

In those circumstances, the HMRC might be open to challenge in the courts if they did not allow a “business” to off set the losses against profits on Zopa.

On the other hand, if individuals could off set “losses” from “profit” made on Zopa, there would be an argument that “losses” would include interest paid out – currently it is not possible to do that in respect of interest paid on a mortgage vs interest received on a savings account – so the banks could justifiably complain.

I support the principle of what you are trying to do, but it could be more complicated than you think to implement.


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