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Ltd here, it is a safer way to trade it stops anyone coming after your house should it all go toots up. I know you think it will never happen to you, but I have had electrical contractors go bust on me owing up-to £6k at a time before now. I would not have survived if that had happened in the first two or three years, there were months when I wasnt paid just so I could pay wages and suppliers, if I lost even £2k I would have been in trouble, at that time, not even my cc would have covered it.

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