Roger, yes its been a bit "pyschological", have been at 95 + vat for 3 years now, it was the missus that told me i was getting £111.63 off the custy with the vat (17.5%) so basically, in customers eyes i have been well over a 100 for a while now.
My area is a difficult one local council area that i am in middle of is 2100km2 has a population of 51000 and there are 24 people per sq km it is one of the largest councils in the country, so very rural with a lot of travel, as mentioned wages are low, and is said northerners are tight.
I cant pick and choose my customers, a lot of city estates will have similar poulations .
Have got a few jobs today , and i stuck 20 % on and still got the job, i get nearly all i quote for, unfortunately none where suites but will try next one.
I thought i would have this problem when i went vat reg 4 year ago, but custies seem to expect it.
Andrew