As self employed, there are thin enough margins, how easy does it need to be for these thieving B's to come and raid your working capital! What's more there is no recourse with them, they say you owe, who can you get to fight your side? Argue and you are likely to find you are subject to an 'enquiry' of your accounts... I have a friend who's life was ruined by such an investigation; he is now unable to work through ill health and lost his business, house, family etc. three years and they found nothing but broke him, his health, faith and trust...
Be afraid, be very afraid of this new power!