not that i don't like you darren... i do... just that you're so fucking funny. take those audio testimonials, for example.
talking to someone from the bank of scotland will give you more useful information than i could. did you inquire at the inland revenue yet? if you haven't then go down there asap and ask for the 'starting up in business' booklet.
you should have registered within the first three months of being in business, otherwise there is a fine of like £100. you don't have to register for vat unless your turnover is more than GB£52,000... like, US$75,000. there is a free half-day course from 'the business support team' for newly self employed people. i've never been there but its supposed to help with ni, paye tax, setting up a limited company, bank accounts, and so forth. the leaflet is available from the inland revenue.