Clean It Up

UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: Mike Burd on June 14, 2020, 05:05:58 pm

Title: HMRC clawback
Post by: Mike Burd on June 14, 2020, 05:05:58 pm
I suspect it’s largescale fraud they’re after, but worth a read:

https://inews.co.uk/news/business/coronavirus-uk-latest-rishi-sunak-hmrc-draconian-powers-covid-19-support-claims-444690
Title: Re: HMRC clawback
Post by: Cookie on June 14, 2020, 05:28:06 pm
Well, if your a genuine claimant there's nothing to worry about.

I hope they do come down hard on those that are fraudulently claiming because it'll be us that's paying for it.
Title: Re: HMRC clawback
Post by: Shrek on June 14, 2020, 06:34:03 pm
Fantastic news👏

Nigel was right! Get that money ready to hand back lads and jackieW. None of this sorry I lost mrs smith from number 10 so I was adversely effected but I picked up 20 fascia jobs and still claimed 😂
Title: Re: HMRC clawback
Post by: dazmond on June 14, 2020, 06:38:21 pm
I certainly know of 2 window cleaners who claimed without being adversely affected......I personally told them I thought it was wrong to do so......

They could be in line for an investigation in a few months time....serves them right for being greedy if you ask me.....👎
Title: Re: HMRC clawback
Post by: Stoots on June 14, 2020, 06:44:40 pm
So those that carried on trading and were profitable may have to pay it back ?

wouldnt be surprised once all this settles down thats what they do, afterall its got to be paid back one way or another i would rather it be paid back this way that increased taxes for us all. Seem fair enough to me.



Title: Re: HMRC clawback
Post by: p1w1 on June 14, 2020, 06:56:03 pm
Well, if your a genuine claimant there's nothing to worry about.

I hope they do come down hard on those that are fraudulently claiming because it'll be us that's paying for it.
absolutly...however, you will still be paying it even if they do claw some back.
Title: Re: HMRC clawback
Post by: KS Cleaning on June 14, 2020, 06:59:57 pm
I certainly know of 2 window cleaners who claimed without being adversely affected......I personally told them I thought it was wrong to do so......

They could be in line for an investigation in a few months time....serves them right for being greedy if you ask me.....👎
How can they possibly investigate in a few months time?  the accounts which include the grant won’t be submitted for another year or so.
Title: Re: HMRC clawback
Post by: CleanClear on June 14, 2020, 07:05:52 pm
I suspect it’s largescale fraud they’re after,

Going back many years ago when there was a big hoo ha about Vodafone/Starbucks etc.. not paying tax... The Gov responded with we will name and shame "non taxpayers" . And they did. Problem was though..although Voda/Star where not paying tax (and thats what prompted all the attention) , or really not much, they did actually pay what they where legally obliged too. HMRC did produce a weekly name and shame list too. As you can guess there where no large companies on it, it was stuff like... Jackies Hairdressing Salon............outstanding £2,500, Billy Macs builers...............outstanding £4,500............... etc....  This was actually a Media response to large Companies paying a very small percentage of tax, but it satisfied the masses.

 The article you have linked now, says this.......................

(http://www.cleanitup.co.uk/smf/1592157326_hmrc.png)

You can bet your bottom dollar they aint going after no big companies, who after all get their own special deals and get to sit down and discuss with HMRC what they're gonna pay. They'll go after every payment they've spent out, like i said before........... everyone will know soon exactly what "adversly affected" means. And its simple, it will be what they decide and if anyone thinks losing a few jobs is "adverse", well we'll see........... ;D

The other one i see gonna be a massive "flag up" is the "Bounce back loans"................ Buisnesses getting a loan because its cheap ? Of course it will still have to be repaid, of course HMRC will expect the amount of the loan to be reflected in Business Investment if its not, and if the figures (repayment) don't match up with what the business was doing before............. just sit back and watch the carnage that will result.
Title: Re: HMRC clawback
Post by: CleanClear on June 14, 2020, 07:09:41 pm
Well, if your a genuine claimant there's nothing to worry about.

I hope they do come down hard on those that are fraudulently claiming because it'll be us that's paying for it.

Like we paid Millions to Fred Goodwin, sorry  Sir Fred Goodwin...............
Title: Re: HMRC clawback
Post by: Richard iSparkle on June 14, 2020, 07:19:13 pm
yeh well good luck with them trying to work out who's done what after all this.

HMRC will be busy enough just trying to keep on top of the changes to tax etc, and with all the calls they'll be getting.

i bet all sorts of nonsense have gone on
Title: Re: HMRC clawback
Post by: SB Cleaning on June 14, 2020, 07:23:24 pm
yeh well good luck with them trying to work out who's done what after all this.

HMRC will be busy enough just trying to keep on top of the changes to tax etc, and with all the calls they'll be getting.

i bet all sorts of nonsense have gone on
That's what i was thinking,
.
Title: Re: HMRC clawback
Post by: CleanClear on June 14, 2020, 07:26:55 pm
yeh well good luck with them trying to work out who's done what after all this.

HMRC will be busy enough just trying to keep on top of the changes to tax etc, and with all the calls they'll be getting.

i bet all sorts of nonsense have gone on

You think a physical person reads through tax returns, grants, loans ? ;D ;D
A programme does that, just like it tells you your least productive worker, the driver who has the worst mpg.. etc....................
Title: Re: HMRC clawback
Post by: james peters on June 14, 2020, 07:40:22 pm
I stopped working for 6 weeks . I know I didn't have to , but I chose too.
my decision not to work was not made on the basis of the gov help. It was based on the need to let the dust settle, and my partner working as a nurse on a covid ward .
I will say it wasn't a nice time in early april . I hated seeing her off to work, I was sleeping on the sofa to keep away from her.  on the second week of april , I felt not quite right, I had a scratchy throat , couldn't taste my food , and was really tired.
a few days later she came home from work looking awful and went to bed and stayed there for days . coughing and weezing.

so yes ! I was affected .
I wont be claiming the next one in august, since returning to work I have never been so busy.
Title: Re: HMRC clawback
Post by: G Griffin on June 14, 2020, 08:01:40 pm
I don't think much has changed. It was always the case that you could have to provide evidence that you have been adversely affected.
They just didn't tell us  ;D.
I don't they'll accept that we'd be mugs not to claim it and we'll be paying it back anyway.
Title: Re: HMRC clawback
Post by: CleanClear on June 14, 2020, 08:09:14 pm
I stopped working for 6 weeks . I know I didn't have to , but I chose too.


Me too. I don't forsee any problem there. My bank accounts reflect this as does my Google location history, as does my texts and emails................. simple for me. I'm not worrying in the slightest. Gov message was stay home.................. i did.
Title: Re: HMRC clawback
Post by: CleanClear on June 14, 2020, 08:11:02 pm
I don't think much has changed. It was always the case that you could have to provide evidence that you have been adversely affected.
They just didn't tell us  ;D.
I don't they'll accept that we'd be mugs not to claim it and we'll be paying it back anyway.

Yeah , they want you to claim it and still work to keep the economy going   ;D
Title: Re: HMRC clawback
Post by: G Griffin on June 14, 2020, 08:26:33 pm
I don't think much has changed. It was always the case that you could have to provide evidence that you have been adversely affected.
They just didn't tell us  ;D.
I don't they'll accept that we'd be mugs not to claim it and we'll be paying it back anyway.

Yeah , they want you to claim it and still work to keep the economy going   ;D
;D
The 'adversely affected' bit is going to be contentious. I also read that the government left it vague deliberately  :(.
I'm not worried though. 
Title: Re: HMRC clawback
Post by: G Griffin on June 14, 2020, 08:40:46 pm
So those that carried on trading and were profitable may have to pay it back ?

wouldnt be surprised once all this settles down thats what they do, afterall its got to be paid back one way or another i would rather it be paid back this way that increased taxes for us all. Seem fair enough to me.
No, it's nothing to do with being profitable. It's about being adversely affected.
Make of that what you will.
Title: Re: HMRC clawback
Post by: NWH on June 14, 2020, 08:51:50 pm
Forget the first one that was a safeguard against the possibility that you’ll lose income it was a don’t panic payment,you or they didn’t have any idea you’d lose keep or gain work over the last few months.
Title: Re: HMRC clawback
Post by: james peters on June 14, 2020, 08:53:27 pm
I stopped working for 6 weeks . I know I didn't have to , but I chose too.


Me too. I don't forsee any problem there. My bank accounts reflect this as does my Google location history, as does my texts and emails................. simple for me. I'm not worrying in the slightest. Gov message was stay home.................. i did.

my google location was on my couch watching Netflix and stuffing my face lol
Title: Re: HMRC clawback
Post by: NWH on June 14, 2020, 09:01:48 pm
Makes no difference if you’ve worked and received money I just hope people that have employees haven’t sent them out working while they’ve claimed furlough for them as that is fraud,if they have the fan will get the smelly stuff On it  when they let them go at some point and the disgruntled employee calls HMRC.  You could say the employee wouldn’t know this but he-she only has to make that call just to enquire,it wouldn’t take too long to check that this will happen big time imo anyone who’s done this should be reluctant to let them go 🤣🤣.
Title: Re: HMRC clawback
Post by: Mike Burd on June 14, 2020, 09:04:03 pm
Makes no difference if you’ve worked and received money I just hope people that have employees haven’t sent them out working while they’ve claimed furlough for them as that is fraud,if they have the fan will get the smelly stuff On it  when they let them go at some point and the disgruntled employee calls HMRC.  You could say the employee wouldn’t know this but he-she only has to make that call just to enquire,it wouldn’t take too long to check that this will happen big time imo anyone who’s done this should be reluctant to let them go 🤣🤣.
I reckon that’s their main concern.
Title: Re: HMRC clawback
Post by: LBWCS on June 14, 2020, 09:29:26 pm
I certainly know of 2 window cleaners who claimed without being adversely affected......I personally told them I thought it was wrong to do so......

They could be in line for an investigation in a few months time....serves them right for being greedy if you ask me.....👎
How can they possibly investigate in a few months time?  the accounts which include the grant won’t be submitted for another year or so.
Exactly
Title: Re: HMRC clawback
Post by: CleanClear on June 14, 2020, 09:54:18 pm
I stopped working for 6 weeks . I know I didn't have to , but I chose too.


Me too. I don't forsee any problem there. My bank accounts reflect this as does my Google location history, as does my texts and emails................. simple for me. I'm not worrying in the slightest. Gov message was stay home.................. i did.

my google location was on my couch watching Netflix and stuffing my face lol

Mine too. Although just to be clear i was on my couch and not yours, i've never met you and don't know you !!!  ;D
Title: Re: HMRC clawback
Post by: CleanClear on June 14, 2020, 09:58:57 pm
I certainly know of 2 window cleaners who claimed without being adversely affected......I personally told them I thought it was wrong to do so......

They could be in line for an investigation in a few months time....serves them right for being greedy if you ask me.....👎
How can they possibly investigate in a few months time?  the accounts which include the grant won’t be submitted for another year or so.
Exactly
What you mean .."exactly" ? Anyone who took the grant is liable to be contacted and asked. They don't need to wait for your accounts to ask you how you where adversley affected.
Title: Re: HMRC clawback
Post by: NWH on June 14, 2020, 10:07:06 pm
The first grant could have been called a gift almost,the concern is people who have furloughed workers and still claimed.
The next one in August is a dilemma for people most wont know even then what the end of the year and early into next year holds,in January they might be saying I should have claimed.
Title: Re: HMRC clawback
Post by: Shrek on June 14, 2020, 10:11:32 pm
The first grant could have been called a gift almost,the concern is people who have furloughed workers and still claimed.
The next one in August is a dilemma for people most wont know even then what the end of the year and early into next year holds,in January they might be saying I should have claimed.

The 1st one is exactly the same , it should not have been claimed if you weren’t adversely effected. It was clear from the beginning, all this rubbish about losing window cleaning jobs but been rushed off their feet with fascia & gutter jobs 😁. Yeah Of course You’ve been effected , business has gone through the roof 😆
Title: Re: HMRC clawback
Post by: G Griffin on June 14, 2020, 10:14:13 pm
It's not about your accounts, lost profits, increased profits etc etc.
It's whether you've been adversely affected and some examples were given.
Title: Re: HMRC clawback
Post by: Clever Forum Name on June 14, 2020, 10:18:03 pm
I claimed the first one and got the full amount of £7500.

01/03/2019 - 14/06/2019

01/03/2020 - 14/06/2020

According to cleaner planner I’m about £400 down compared to last year.

But I’ve lost all my commercial since March and also have another van on the road compared to the same time period.

So profit wise it’s about the same however I should have turned over more?

Input?
Title: Re: HMRC clawback
Post by: CleanClear on June 14, 2020, 10:18:35 pm
The first grant could have been called a gift almost,

 ;D ;D ;D  Ok !!
Title: Re: HMRC clawback
Post by: Clever Forum Name on June 14, 2020, 10:19:11 pm
It's not about your accounts, lost profits, increased profits etc etc.
It's whether you've been adversely affected and some examples were given.

I think you’ve answered my question :)
Title: Re: HMRC clawback
Post by: CleanClear on June 14, 2020, 10:21:37 pm
I claimed the first one and got the full amount of £7500.

01/03/2019 - 14/06/2019

01/03/2020 - 14/06/2020

According to cleaner planner I’m about £400 down compared to last year.

But I’ve lost all my commercial since March and also have another van on the road compared to the same time period.

So profit wise it’s about the same however I should have turned over more?

Input?

Thats great mate. Its not us you need to persuade. If you're asked i'm sure you'll explain it very well to HMRC and they'll fully understand. But remember one thing, they didn't ask where you affected. They asked if you where "adversley" affected...............
Title: Re: HMRC clawback
Post by: [GQC] Tim on June 14, 2020, 10:29:53 pm
Cambridge Dictionary:

Adversely:

in a way that has a negative or harmful effect.

Well, that's open to interpretation. Seeing as it was all or nothing I think a lot of people who didn't lose £7500 but still lost work did claim.

However taking the second one might be taking liberties, you'd need to see a very very significant shortfall to take that one as I'm sure HMRC will be on to who claimed the second one, not so much the first one.

Earlier in the year we also had no idea how long and how severe we would be in this mess. Thankfully it seems to be going down. More luck then wisdom if you look at all the idiots out there.

Still have lost work because of it this month and last month. I reckon when the furlough ends things could be bad for some customers.

Regardless I'm keeping a list of all the work I've either lost or was postponed.
Title: Re: HMRC clawback
Post by: G Griffin on June 14, 2020, 10:31:44 pm
It's not about your accounts, lost profits, increased profits etc etc.
It's whether you've been adversely affected and some examples were given.

I think you’ve answered my question :)
If you've had to scale down or temporarily stop trading, yes.
Title: Re: HMRC clawback
Post by: Clever Forum Name on June 14, 2020, 10:39:46 pm
I claimed the first one and got the full amount of £7500.

01/03/2019 - 14/06/2019

01/03/2020 - 14/06/2020

According to cleaner planner I’m about £400 down compared to last year.

But I’ve lost all my commercial since March and also have another van on the road compared to the same time period.

So profit wise it’s about the same however I should have turned over more?

Input?

Thats great mate. Its not us you need to persuade. If you're asked i'm sure you'll explain it very well to HMRC and they'll fully understand. But remember one thing, they didn't ask where you affected. They asked if you where "adversley" affected...............

Very true, unfortunately HMRC never sent me a crystal ball  :D
Title: Re: HMRC clawback
Post by: CleanClear on June 14, 2020, 10:41:03 pm
Cambridge Dictionary:

Adversely:

in a way that has a negative or harmful effect.

Well, that's open to interpretation. Seeing as it was all or nothing I think a lot of people who didn't lose £7500 but still lost work did claim.

However taking the second one might be taking liberties, you'd need to see a very very significant shortfall to take that one as I'm sure HMRC will be on to who claimed the second one, not so much the first one.

Earlier in the year we also had no idea how long and how severe we would be in this mess. Thankfully it seems to be going down. More luck then wisdom if you look at all the idiots out there.

Still have lost work because of it this month and last month. I reckon when the furlough ends things could be bad for some customers.

Regardless I'm keeping a list of all the work I've either lost or was postponed.

Open to interpretation as you say Tim. Your interpretation seems to change though  ;D   I doubt theirs  will.
Title: Re: HMRC clawback
Post by: CleanClear on June 14, 2020, 10:42:43 pm
I claimed the first one and got the full amount of £7500.

01/03/2019 - 14/06/2019

01/03/2020 - 14/06/2020

According to cleaner planner I’m about £400 down compared to last year.

But I’ve lost all my commercial since March and also have another van on the road compared to the same time period.

So profit wise it’s about the same however I should have turned over more?

Input?

Thats great mate. Its not us you need to persuade. If you're asked i'm sure you'll explain it very well to HMRC and they'll fully understand. But remember one thing, they didn't ask where you affected. They asked if you where "adversley" affected...............

Very true, unfortunately HMRC never sent me a crystal ball  :D

Fair play. One of us is dreading that call............................. explain..................... ;D
Title: Re: HMRC clawback
Post by: Clever Forum Name on June 14, 2020, 10:48:53 pm
(http://www.cleanitup.co.uk/smf/1592171274_DF8DEA47-5884-48C4-92F5-0D208508C5C9.png)

Third one down the list does it for me. We’re in June and still not doing commercial so that’s enough for me.
Title: Re: HMRC clawback
Post by: CleanClear on June 14, 2020, 11:00:43 pm
(I'm saying this bit tongue in cheek, but its true nevertheless)

The Gov decided to bring in private companies to sort out the scroungers of Disability Benefits. They did that to great effect. So much so that people died after being declared "fit to work" . They asked for proof from people with no limbs etc....... It was a complete disaster, ............for anyone who was disabled. A financial success for the Gov though.
The next ones to be reamed will be the people with money, especially the ones who the Gov have just give money to. I'm torn, i don't like to laugh at anyones downfall, but i do like to laugh at stupidity.
Title: Re: HMRC clawback
Post by: james peters on June 14, 2020, 11:02:14 pm
I stopped working for 6 weeks . I know I didn't have to , but I chose too.


Me too. I don't forsee any problem there. My bank accounts reflect this as does my Google location history, as does my texts and emails................. simple for me. I'm not worrying in the slightest. Gov message was stay home.................. i did.

my google location was on my couch watching Netflix and stuffing my face lol

Mine too. Although just to be clear i was on my couch and not yours, i've never met you and don't know you !!!  ;D


nothing wrong with my couch...…...though I did smell after week one
Title: Re: HMRC clawback
Post by: [GQC] Tim on June 14, 2020, 11:03:31 pm
Quote from: CleanClear
Open to interpretation as you say Tim. Your interpretation seems to change though  ;D   I doubt theirs  will.

Well, to be fair, their interpretation, or should I say, clarification has also changed. Back when the SEISS opened up, there wasn't anywhere near the same amount of guidance on it. Infact, even the only box that had to be ticked was whether you were adversely affected or not. Which I still think holds true for a lot of those who claimed.

I also still think our children and grand children will be paying for this and there will be a lot of misery for a lot of us in the very near future. So far it's been better then expected personally these couple of months but if it would of continued from bad to worse you also need to look at the bigger picture, which we still have to do. One way or the other the biggest borrowing/recession in modern history will need to be paid for.

Before I was mainly commenting on the first grant but regarding the second I doubt most would have lost £14k by then. So the HMRC will have a closer look for those who claimed.

It's not a person that will be filtering out, that's computer algorithms. Then the case will be reviewed by a person.
Title: Re: HMRC clawback
Post by: [GQC] Tim on June 14, 2020, 11:06:34 pm
Also, reading the link start to finish, I think it's pretty clear who they will be going for first and foremost! I think some would definitely have to be very worried if they've already spent the grant or bounce back loan.
Title: Re: HMRC clawback
Post by: Clever Forum Name on June 14, 2020, 11:09:03 pm
Also, reading the link start to finish, I think it's pretty clear who they will be going for first and foremost! I think some would definitely have to be very worried if they've already spent the grant or bounce back loan.

You can use the bounce back loan to invest in the future of your company. There’s even blogs on the gov website about investing. I’m using my loan for that very purpose!
Title: Re: HMRC clawback
Post by: [GQC] Tim on June 14, 2020, 11:16:25 pm
Also, reading the link start to finish, I think it's pretty clear who they will be going for first and foremost! I think some would definitely have to be very worried if they've already spent the grant or bounce back loan.

You can use the bounce back loan to invest in the future of your company. There’s even blogs on the gov website about investing. I’m using my loan for that very purpose!

Yes, of course.

I was referring to the article:

Quote
If HMRC suspects a business did not actually require a loan, or that a sole trader ceased trading soon after receiving money from the SEISS scheme, it will be able to put the burden on those investigated to prove otherwise.

I wasn't referring to you, just in the general sense; if "one/someone" took the loan that didn't actually require it, then invested it, and the government asks for it back, well. That would be a problem now wouldn't it.
Title: Re: HMRC clawback
Post by: CleanClear on June 14, 2020, 11:25:55 pm

Yes, of course.

I was referring to the article:

Quote
If HMRC suspects a business did not actually require a loan, or that a sole trader ceased trading soon after receiving money from the SEISS scheme, it will be able to put the burden on those investigated to prove otherwise.

I wasn't referring to you, just in the general sense; if "one/someone" took the loan that didn't actually require it, then invested it, and the government asks for it back, well. That would be a problem now wouldn't it.

Thats how i seen it too. There is people on this forum who said get the loan, invest it, put it in premium bonds etc.. with no thought to just how it is going to be paid back from an investment point of view.  I.e.. 10k loan, pay back  £x a month.. what did you get with it ? .................. Nothing !! Put it in premium bonds  ;D
Title: Re: HMRC clawback
Post by: CleanClear on June 14, 2020, 11:36:12 pm
Also, reading the link start to finish, I think it's pretty clear who they will be going for first and foremost! I think some would definitely have to be very worried if they've already spent the grant or bounce back loan.

You can use the bounce back loan to invest in the future of your company. There’s even blogs on the gov website about investing. I’m using my loan for that very purpose!

Thats great. They want you to invest, you did. They will encourage borrowing. You've still got to pay it back.
Here's an example i see as potential trouble...................
Guy claims the SEISS grant........................ he's been adversley affected.
Same guy now gets a bounce back loan...........................
What does he spend it on? Advertising, getting new customers, etc ? No, a new vehicle.

Now , if you have been adversley affected in your business in a negative way .................. why would you shell out for a new vehicle ?
How could you afford to ? So if you know you got the payments there, then what happened ? Its like shooting fish in a barrell.

I know this pandemic has caused us all to lose our nut a bit and do mad things........ but ultimatley you'll (anyone i mean) be liable for your own descisions.
Title: Re: HMRC clawback
Post by: Slacky on June 15, 2020, 12:07:24 am
(http://www.cleanitup.co.uk/smf/1592171274_DF8DEA47-5884-48C4-92F5-0D208508C5C9.png)

Third one down the list does it for me. We’re in June and still not doing commercial so that’s enough for me.

Why do they keep refering to this imaginary builder as a female? Mental.
Title: Re: HMRC clawback
Post by: G Griffin on June 15, 2020, 12:51:11 am
Quote from: CleanClear
Open to interpretation as you say Tim. Your interpretation seems to change though  ;D   I doubt theirs  will.

Well, to be fair, their interpretation, or should I say, clarification has also changed. Back when the SEISS opened up, there wasn't anywhere near the same amount of guidance on it. Infact, even the only box that had to be ticked was whether you were adversely affected or not. Which I still think holds true for a lot of those who claimed.

I also still think our children and grand children will be paying for this and there will be a lot of misery for a lot of us in the very near future. So far it's been better then expected personally these couple of months but if it would of continued from bad to worse you also need to look at the bigger picture, which we still have to do. One way or the other the biggest borrowing/recession in modern history will need to be paid for.

Before I was mainly commenting on the first grant but regarding the second I doubt most would have lost £14k by then. So the HMRC will have a closer look for those who claimed.

It's not a person that will be filtering out, that's computer algorithms. Then the case will be reviewed by a person.
You're right, they changed it at the beginning of May. They realised that being adversely affected financially would be difficult to gauge. I understand that it has been deliberately confusing, as well.
Just have your 'evidence' for being 'adversely affected' and you might not have to pay it back.
I know every guest that was on Loose Women from the end of March if anyone's interested?
Title: Re: HMRC clawback
Post by: Soupy on June 15, 2020, 06:50:28 am
Lol
Title: Re: HMRC clawback
Post by: Spruce on June 15, 2020, 08:07:50 am
Cambridge Dictionary:

Adversely:

in a way that has a negative or harmful effect.

Well, that's open to interpretation. Seeing as it was all or nothing I think a lot of people who didn't lose £7500 but still lost work did claim.

However taking the second one might be taking liberties, you'd need to see a very very significant shortfall to take that one as I'm sure HMRC will be on to who claimed the second one, not so much the first one.

Earlier in the year we also had no idea how long and how severe we would be in this mess. Thankfully it seems to be going down. More luck then wisdom if you look at all the idiots out there.

Still have lost work because of it this month and last month. I reckon when the furlough ends things could be bad for some customers.

Regardless I'm keeping a list of all the work I've either lost or was postponed.

I agree. This word adversely is open to interpretation. I believe these payments are financially based so adversely refers to a Windie suffering financial loss due to covid19.
If he choose to follow government guidelines to stay at home then he was adversely financially affected.

If his work is mainly commercial and he lost all his commercial work then he has been adversely affected economically.
If his customer base is mainly residential and he choose to continue to work and his income has basically remained the same, then financially he hasn't been adversely affected.
For businesses it's different. I work for a customer who has a family run plumbing business. 3 of their sons work as plumbers and gas fitters.
They closed the shop and put 2 of the sons on furlough. They kept the third son on to do emergency work only. They would not fit an outside tap for example but would repair or replace a boiler. They wouldn't redo a bathroom unless it was classed as an emergency.
Has their business suffered? Yes it has but they have managed to keep their heads above water due to the furlough scheme.
Many businesses had to rewrite their health and safety policy and will again rewrite it many times in the future as government changes the rules on social distancing etc.
Title: Re: HMRC clawback
Post by: [GQC] Tim on June 15, 2020, 08:42:53 am
.......to continue to work and his income has basically remained the same, then financially he hasn't been adversely affected.

Sorry to pick one thing out of your post but this is another example of the shifting HMRC yardstick that has been clarified which I don't agree with.

If you've got a healthy business as a sole trader, then you'll see year on increase in turnover, even if you are at your maximum.

If your projections are an increase year on year of 3,5 or £4k, if you're anywhere down on that, even for those three months, but still have earned the same as the year before, you've also been adversely impacted. To be honest we've still got 10 months to go of this tax year, if it pulls together I might still have an increase over last year. Especially if you were to add a grant to that. So all of the sudden you're not negatively impacted? There's no business sense in that whatsoever.

The UK government is largely responsible for the fine mess we're in. The virus isn't their fault but their response has been woeful. It's only fair they pick up part of the bill and don't chastise people who are down on income but still have been able to trade and have at the end of the year had a healthy income.
Title: Re: HMRC clawback
Post by: [GQC] Tim on June 15, 2020, 09:04:08 am
I think unless you're quite clearly have done an illegal thing, the government assurance that the grant will not have to be paid back will stand. At least the first one, stay tuned for the next one. As long as you've got records you've been negatively impacted in any way during those three months or so you'll be fine!  ;D
Title: Re: HMRC clawback
Post by: deeege on June 15, 2020, 09:17:14 am
(http://www.cleanitup.co.uk/smf/1592171274_DF8DEA47-5884-48C4-92F5-0D208508C5C9.png)

Third one down the list does it for me. We’re in June and still not doing commercial so that’s enough for me.

Why do they keep refering to this imaginary builder as a female? Mental.

It’s the world we now live in. I’m surprised they’ve not gone all out and referred to ‘it’ as a trasgender, BAME who doesn’t identify as a any one being.
Title: Re: HMRC clawback
Post by: G Griffin on June 15, 2020, 09:45:22 am
It'll be about whether you scaled down or temporarily stopped. If you worked as normal throughout I think you might struggle for 'evidence' should you need it.
And for all those not claiming the second grant- how do you know that you or someone that you've been in contact isn't going to get the virus?
You could be in an ICU with a pipe down your pie hole next week. It's not just something that affects other people.
Title: Re: HMRC clawback
Post by: Soupy on June 15, 2020, 10:46:05 am
(http://www.cleanitup.co.uk/smf/1592171274_DF8DEA47-5884-48C4-92F5-0D208508C5C9.png)

Third one down the list does it for me. We’re in June and still not doing commercial so that’s enough for me.

Why do they keep refering to this imaginary builder as a female? Mental.

Correct.

(http://www.cleanitup.co.uk/smf/1592214350_giphy (7).gif)

How dare they assume gender.
Title: Re: HMRC clawback
Post by: Soupy on June 15, 2020, 11:25:31 am
Thats great. They want you to invest, you did. They will encourage borrowing. You've still got to pay it back.
Here's an example i see as potential trouble...................
Guy claims the SEISS grant........................ he's been adversley affected.
Same guy now gets a bounce back loan...........................
What does he spend it on? Advertising, getting new customers, etc ? No, a new vehicle.

Now , if you have been adversley affected in your business in a negative way .................. why would you shell out for a new vehicle ?
How could you afford to ? So if you know you got the payments there, then what happened ? Its like shooting fish in a barrell.

I know this pandemic has caused us all to lose our nut a bit and do mad things........ but ultimatley you'll (anyone i mean) be liable for your own descisions.

Why would you shell out for a new vehicle ?  - To increase productivity to help bounce back having been adversely affected by the coronavirus.

How could you afford to ? - The government ordered the banks to offer loans to help you bounce back if you've been adversely affected.

So if you know you got the payments there, then what happened ? - Huh?

Pesky barrelfish.
Title: Re: HMRC clawback
Post by: Ooooooog on June 15, 2020, 11:35:50 am
Fraud squad gonna be busy, if I’d claimed and worked, I’d be sleeping with one eye open. They’ll be coming........knocking at the door.....best make sure accounts are in order.....

Title: Re: HMRC clawback
Post by: NWH on June 15, 2020, 12:46:57 pm
Have you had can you put me back a month or can you leave it until I text you,if you have  because of this virus it’s affected you so I wouldn’t worry even if productivity is up.
As said if you’ve been working and doing much the same whatever you’ve claimed will go on top of earnings so you’ll pay more Tax,better off for 18 months but you’ll pay the Tax in January 2021-July 2021. Like I say if you’ve still been arming much the same I’d calculate to see  you don’t go into the next bracket or what you’ve had will only be a loan as far as Your Tax bill goes 🤣.
Title: Re: HMRC clawback
Post by: Rob.Hall on June 15, 2020, 12:58:26 pm
You stay at home because the gov said so.
You have savings so not adversely effected.
You claim grant and business bb loan...???

Gov said, go to work unless it is not safe to do so but as a wc you could have worked. You stayed at home all the same....and took grant and bb loan????
You stayed at home on your own back when you were asked to work....

You went to work but could not do some due to it being commercial, inside work, being turned away or very vunerable people. You were effected.
You took grant and bb loan.

I know I will get slated but everything is open to interpritation.

Its how hmrc look at it and there interpritation of adversely will be the one that sticks....

Await incoming. 😊
Title: Re: HMRC clawback
Post by: Dave Willis on June 15, 2020, 01:29:56 pm
I couldn’t work, I was protecting Sir Winston Churchill
Title: Re: HMRC clawback
Post by: G Griffin on June 15, 2020, 02:18:48 pm
Have you had can you put me back a month or can you leave it until I text you,if you have  because of this virus it’s affected you so I wouldn’t worry even if productivity is up.
As said if you’ve been working and doing much the same whatever you’ve claimed will go on top of earnings so you’ll pay more Tax,better off for 18 months but you’ll pay the Tax in January 2021-July 2021. Like I say if you’ve still been arming much the same I’d calculate to see  you don’t go into the next bracket or what you’ve had will only be a loan as far as Your Tax bill goes 🤣.
Only if you've had to scale down or temporarily stop.
That could be a problem for window cleaners- we have lots of customers. A small percentage of cancellations might not be enough to adversely affect your workload. Or it might not provide you with enough "evidence" of being adversely affected.
Title: Re: HMRC clawback
Post by: NWH on June 15, 2020, 02:22:43 pm
Bounce back loan spent on a Caribbean holiday oh dear ,money just sitting in account and every now and again being used to pay wages or equipment for work fine lovely.
Bounce back loan spent on a new car for the Mrs and nothing to do with the business that’s fine too until the old computer churns you’re name out,you are answerable to nothing until you get a tug,they’ve got 18 months  before you submit that Tax return sign it and pay,it’ll be a distant memory this money and a lot wouldn’t even remember they had it 😂 I bet some people have had 10-15 grand and P***ed it up the wall already.
Title: Re: HMRC clawback
Post by: P @ F on June 15, 2020, 02:34:03 pm
I used some of mine on a little workshop so far , next will be the tig  welding gear .
As it’s an extension of sorts to the existing business I should be ok ?

(http://www.cleanitup.co.uk/smf/1592228035_12C4C0C7-9801-4BC0-AB42-A40144C2179A.png)
Title: Re: HMRC clawback
Post by: Soupy on June 15, 2020, 02:41:43 pm
I used some of mine on a little workshop so far , next will be the tig  welding gear .
As it’s an extension of sorts to the existing business I should be ok ?

(http://www.cleanitup.co.uk/smf/1592228035_12C4C0C7-9801-4BC0-AB42-A40144C2179A.png)

You'll be fine. Ask yourself, are you taking the pi$$? If not, crack on. If you are, then, well, that's down to you.
Title: Re: HMRC clawback
Post by: KS Cleaning on June 15, 2020, 02:50:56 pm
Have you had can you put me back a month or can you leave it until I text you,if you have  because of this virus it’s affected you so I wouldn’t worry even if productivity is up.
As said if you’ve been working and doing much the same whatever you’ve claimed will go on top of earnings so you’ll pay more Tax,better off for 18 months but you’ll pay the Tax in January 2021-July 2021. Like I say if you’ve still been arming much the same I’d calculate to see  you don’t go into the next bracket or what you’ve had will only be a loan as far as Your Tax bill goes 🤣.
You’re correct but it’s January 2022-July 2022 that the tax will be paid.
Title: Re: HMRC clawback
Post by: G Griffin on June 15, 2020, 02:51:07 pm
I think you'll be asked to provide evidence- if you are asked- and not hide what you've spent the grant on.
They don't care what you've spent it on- if you have been naughty- but you'll have to pay it back.
I wouldn't rule out claiming again either. If you have been affected, take it.
Title: Re: HMRC clawback
Post by: P @ F on June 15, 2020, 02:51:50 pm
Only reason I am buying it is the fabricator I currently use is becoming a bit hit and miss , I have been waiting since before lockdown for a heat exchanger
Title: Re: HMRC clawback
Post by: KS Cleaning on June 15, 2020, 03:01:09 pm
For anyone that has shown a rise in turnover for the year ending 2021 compared to the turnover of the previous year 2020, it may or may not get flagged up. If it does get flagged up and they decide to contact you, as long as you can explain that despite the rise in turnover your business had still been adversely affected you have absolutely nothing to fear.
Title: Re: HMRC clawback
Post by: Soupy on June 15, 2020, 03:08:42 pm
For anyone that has shown a rise in turnover for the year ending 2021 compared to the turnover of the previous year 2020, it may or may not get flagged up. If it does get flagged up and they decide to contact you, as long as you can explain that despite the rise in turnover your business had still been adversely affected you have absolutely nothing to fear.

Looks like nobody is worrying about the china plague anymore, need summat else to occupy their minds, fear of the boogey tax man ought to do it.
Title: Re: HMRC clawback
Post by: jk999 on June 15, 2020, 06:45:26 pm
Does having to buy all my hot drinks from cafes count as being affected because I couldn't get any of my customers cost me a bloody fortune 😇🤣🤣🤣🤣🤣🤣🤣
Title: Re: HMRC clawback
Post by: NWH on June 15, 2020, 06:48:25 pm
1000s dead from coronavirus misery all over the news  protests etc,get your money spend it on what you want and enjoy yourselves tomorrow you might not be here 👍.
Title: Re: HMRC clawback
Post by: NWH on June 15, 2020, 06:49:39 pm
Does having to buy all my hot drinks from cafes count as being affected because I couldn't get any of my customers cost me a bloody fortune 😇🤣🤣🤣🤣🤣🤣🤣

🤣🤣 yeah that affected me big time I missed my proper coffee when I was out and about last few months 🤣
Title: Re: HMRC clawback
Post by: dazmond on June 15, 2020, 07:01:39 pm
Does having to buy all my hot drinks from cafes count as being affected because I couldn't get any of my customers cost me a bloody fortune 😇🤣🤣🤣🤣🤣🤣🤣

🤣🤣 yeah that affected me big time I missed my proper coffee when I was out and about last few months 🤣

i accept most brew offers now after refusing them for 2 months......if you dont start accepting them soon itll be winter before you know it and you ll be gagging for one and no customer will offer! ;D
Title: Re: HMRC clawback
Post by: jk999 on June 15, 2020, 07:11:33 pm
To be honest i never stopped refusing them 😇
Title: Re: HMRC clawback
Post by: SB Cleaning on June 15, 2020, 07:13:12 pm
To be honest i never stopped refusing them 😇
Nor me :D
Title: Re: HMRC clawback
Post by: jk999 on June 15, 2020, 07:42:19 pm
 ;D ;D ;D ;D ;D
Title: Re: HMRC clawback
Post by: NWH on June 15, 2020, 08:44:16 pm
I’ve been taking coffees and teas  off customers for the whole duration.
Title: Re: HMRC clawback
Post by: Smudger on June 15, 2020, 09:02:10 pm
Does having to buy all my hot drinks from cafes count as being affected because I couldn't get any of my customers cost me a bloody fortune 😇🤣🤣🤣🤣🤣🤣🤣

🤣🤣 yeah that affected me big time I missed my proper coffee when I was out and about last few months 🤣


I’ve been taking coffees and teas  off customers for the whole duration.

 ???

Title: Re: HMRC clawback
Post by: simon w on June 15, 2020, 09:16:23 pm
I’ve been taking coffees and teas  off customers for the whole duration.

Me and all the lads have too
Title: Re: HMRC clawback
Post by: jk999 on June 15, 2020, 09:31:11 pm
Whats with sad face smudgy
Title: Re: HMRC clawback
Post by: Smudger on June 15, 2020, 10:39:27 pm
It's not sad it's a confused one...


Either your not missing drinks from customers, as per first quote then state you've been taking them from day one - just can't make sense of the posts

Darran
Title: Re: HMRC clawback
Post by: jk999 on June 15, 2020, 11:35:58 pm
I have never refused a drink, but i used my common sense they left it on a table i drank it they took it away and sanitized the cup simple ,no contact what so ever , the first post was a joke about being adversely affected 😇👍
Title: Re: HMRC clawback
Post by: LT carpet cleaning on June 16, 2020, 12:00:02 am
(http://www.cleanitup.co.uk/smf/1592171274_DF8DEA47-5884-48C4-92F5-0D208508C5C9.png)

Third one down the list does it for me. We’re in June and still not doing commercial so that’s enough for me.

Why do they keep refering to this imaginary builder as a female? Mental.

It’s for the woke, cuckolded leftie wimps, otherwise they get extremely hysterical.   ;D
Title: Re: HMRC clawback
Post by: Mike Burd on June 16, 2020, 05:11:14 am
(http://www.cleanitup.co.uk/smf/1592171274_DF8DEA47-5884-48C4-92F5-0D208508C5C9.png)

Third one down the list does it for me. We’re in June and still not doing commercial so that’s enough for me.

Why do they keep refering to this imaginary builder as a female? Mental.

It’s for the woke, cuckolded leftie wimps, otherwise they get extremely hysterical.   ;D
I assumed it was to trigger the gammonatti. It worked.   ;D
Title: Re: HMRC clawback
Post by: LT carpet cleaning on June 16, 2020, 07:34:04 am
(http://www.cleanitup.co.uk/smf/1592171274_DF8DEA47-5884-48C4-92F5-0D208508C5C9.png)

Third one down the list does it for me. We’re in June and still not doing commercial so that’s enough for me.

Why do they keep refering to this imaginary builder as a female? Mental.

It’s for the woke, cuckolded leftie wimps, otherwise they get extremely hysterical.   ;D
I assumed it was to trigger the gammonatti. It worked.   ;D

Here comes exhibit A your honour.....

 ;D
Title: Re: HMRC clawback
Post by: dazmond on June 16, 2020, 08:58:14 am
I have never refused a drink, but i used my common sense they left it on a table i drank it they took it away and sanitized the cup simple ,no contact what so ever , the first post was a joke about being adversely affected 😇👍

If the customer has the virus and leaves the cup on a table.....what's the first thing you do?pick it up and put it to your mouth so there is no 'risk free scenario'.....just saying!
Title: Re: HMRC clawback
Post by: NWH on June 16, 2020, 10:29:33 am
Your honour unlike that one 🤣🤣,more daunting sitting across from 2 blokes from the Tax office I reckon though when they’ve got a copy of your Tax return.
Title: Re: HMRC clawback
Post by: LT carpet cleaning on June 16, 2020, 11:32:34 am
Your honour unlike that one 🤣🤣,more daunting sitting across from 2 blokes from the Tax office I reckon though when they’ve got a copy of your Tax return.

Eh?
Title: Re: HMRC clawback
Post by: Stoots on June 16, 2020, 11:45:35 am
I think you'll be asked to provide evidence- if you are asked- and not hide what you've spent the grant on.
They don't care what you've spent it on- if you have been naughty- but you'll have to pay it back.
I wouldn't rule out claiming again either. If you have been affected, take it.

They won't ask what you've spent a grant on because it's none of their business. If you are a sole trader you can spend it on whatever you like as you are the business. It's treated as taxable income for you to do with as you please. Its a personal grant to replace your income.

They may of course deem you haven't been affected significantly and shouldn't have claimed it.

If you've taken a business loan however I'm sure the terms usually are it should be spend on business purposes.
Title: Re: HMRC clawback
Post by: Stoots on June 16, 2020, 11:53:42 am
I’ve been taking coffees and teas  off customers for the whole duration.

I almost never accept a drink of a customer. Unless I'm doing a bigger job like a conny or fascia. I've probably had less than half a dozen hot drinks off customers since I started. Not got time, by the time they've made it I'm on my way....prefer to get out, get done and get home then i can sup as many pots of tea as I like.
Title: Re: HMRC clawback
Post by: Mike Burd on June 16, 2020, 11:58:39 am
I’ve been taking coffees and teas  off customers for the whole duration.

I almost never accept a drink of a customer. Unless I'm doing a bigger job like a conny or fascia. I've probably had less than half a dozen hot drinks off customers since I started. Not got time, by the time they've made it I'm on my way....prefer to get out, get done and get home then i can sup as many pots of tea as I like.
Same. I never understand when people take drinks. I'm normally finished before the kettle boils.
Title: Re: HMRC clawback
Post by: G Griffin on June 16, 2020, 12:28:21 pm
I only refuse them if I'm running latte. It makes a mocha-ry of customer relations by turning them down, don'tcha think?
Title: Re: HMRC clawback
Post by: Richard Groves on June 16, 2020, 12:32:49 pm
I only refuse them if I'm running latte. It makes a mocha-ry of customer relations by turning them down, don'tcha think?
Its a flat white privilege
Title: Re: HMRC clawback
Post by: jk999 on June 16, 2020, 12:41:58 pm
I have been in game 36 years now ,so slowing down sold a fair bit of work to a friend of mine just kept all the decent stuff so less work to do but same money so got plenty of time for cuppas ,to be honest i think its rude to refuse customers like to have a bit of a chat 😇👍
Title: Re: HMRC clawback
Post by: NWH on June 16, 2020, 05:11:21 pm
If you keep refusing them when you want one you  won’t get offered.
Title: Re: HMRC clawback
Post by: jk999 on June 16, 2020, 07:14:46 pm
If you keep refusing them when you want one you  won’t get offered.
true