Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: GAZZA B on July 15, 2020, 04:07:55 pm
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Who is calming the next grant in August?
I have just lost two more jobs today from Covid, but can still get by, will lose some more I am sure of it.
what would you do?
Gazza
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What's the penalty if its deemed that you shouldn't have claimed it?
I don't know because I'm not eligible but what I would have done is claim both the grants and stick it in savings and probably hold onto it for a couple of years incase they try to make you pay it back.
Are you not too late anyway?
Thought the deadline was a couple of days ago? Not sure though..
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Yeah I’m claiming 3 months pay because I lost 2 £10 bungalows also
😂
Anyway , the people that should be claiming are the beauticians , tattooists etc who actually haven’t been able to work. It’s not worth claiming as they claim back 100% of it if you did not need it and are back to work.
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I’ve spoken to a few self employed people, one joiner, and two window cleaners, none of them have lost much work, if any.
All of them are claiming.
I’m in two minds as things are coming back for me. Having said that, I was still waiting on large commercial jobs to come back beginning of this month. I’m still waiting for two more to come back.
So on that basis, I think it’s perfectly exceptable to claim. It’s not like they are £50 or even £100 jobs. They’re both north of £300.
I suppose you need to look at your projected turnover for this year. if It’s way off what you expected. Claim. If you’ve lost genuine regular jobs due to the lockdown. Claim.
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No one can really advise you on claiming the grant or not - if you have been effected and you feel you require the grant then claim it
my understanding is you can't claim for the second round until 14th August
Darran
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Who is calming the next grant in August?
I have just lost two more jobs today from Covid, but can still get by, will lose some more I am sure of it.
what would you do?
Gazza
Hi Gazza
The question asked for the claim is: 'Have you been adversely affected" Yes or No? It's a simple question, there is no question of degree, if you lost £10 or £10 million regardless of new business gained within the period the answer would still be yes.
Furlough and SESS is simply bottom up Quantative Easing the same action as taken in 2008 but finance from the ground up rather than top (think Banks) down.
HTH
John
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Personally i would wait till the end of the second grant claim deadline and then decide if I was adversely affected enough to claim. The first one was a simpler decision to make at the beginning as it started a couple of months after the lockdown and many people were affected as they simply couldn't work for various reasons, now you/they can and many are back to normal.
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I'm not eligible.
You should ALL claim it.
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Does it not work the same as the first ? - you will be notified if eligible and advised as to a date you can submit your claim from ?
"don't contact us, we'll contact you "
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im over £2k up on this time last year so no i wont be claiming.....ive picked up 14 new jobs in the last few months through walk ups and recommendations (with only 2 cancellations throughout lockdown).....
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Who is calming the next grant in August?
I have just lost two more jobs today from Covid, but can still get by, will lose some more I am sure of it.
what would you do?
Gazza
Hi Gazza
The question asked for the claim is: 'Have you been adversely affected" Yes or No? It's a simple question, there is no question of degree, if you lost £10 or £10 million regardless of new business gained within the period the answer would still be yes.
Furlough and SESS is simply bottom up Quantative Easing the same action as taken in 2008 but finance from the ground up rather than top (think Banks) down.
HTH
John
There is a question of degree as to how you have been affected. It's "adversely". Most people will of been affected.
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I’m not eligible so won’t be claiming obviously.
If I could claim, I would. I’ve lost roughly £5k in turnover since late March due to the virus, although all work that was on hold has now returned apart from one £190 Monthly clean.
Have taken on an addition £200 of monthly domestic work within the last month and over £500 monthly commercial work within the last few weeks so very happy with the way things are going so far. Long term who knows.
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Who is calming the next grant in August?
I have just lost two more jobs today from Covid, but can still get by, will lose some more I am sure of it.
what would you do?
Gazza
Hi Gazza
The question asked for the claim is: 'Have you been adversely affected" Yes or No? It's a simple question, there is no question of degree, if you lost £10 or £10 million regardless of new business gained within the period the answer would still be yes.
Furlough and SESS is simply bottom up Quantative Easing the same action as taken in 2008 but finance from the ground up rather than top (think Banks) down.
HTH
John
There is a question of degree as to how you have been affected. It's "adversely". Most people will of been affected.
Hi CleanClear
I disagree regarding 'degree' as the question asked is "have you been adversely affected"? Not by how much.
Adversely: "in a way that prevents success or development; harmfully or unfavourably"
If you have lost jobs as a direct consequence of Covid regardless of new ones gained you have been adverlsy affected and therefore have a right to claim.
As stated earlier I believe this to be quantitive easing, they actually want you to take it, however they don't want to see fraud, this is clearly not fraud.
John
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Who is calming the next grant in August?
I have just lost two more jobs today from Covid, but can still get by, will lose some more I am sure of it.
what would you do?
Gazza
Hi Gazza
The question asked for the claim is: 'Have you been adversely affected" Yes or No? It's a simple question, there is no question of degree, if you lost £10 or £10 million regardless of new business gained within the period the answer would still be yes.
Furlough and SESS is simply bottom up Quantative Easing the same action as taken in 2008 but finance from the ground up rather than top (think Banks) down.
HTH
John
There is a question of degree as to how you have been affected. It's "adversely". Most people will of been affected.
^^^^^
In the words of Martin Lewis; "You are asked to make a statement confirming you have been adversely affected. If you can put your hand on your heart and tick the box that you have been self isolating, ill or caring for someone and you couldn't work then claim it."
He says there are 800,000 self employed who were legible to claim but who didn't claim. I can't believe all these didn't know about the scheme. I wonder if some have been working cash in hand and decided that claiming would leave them open to investigation.
If your turnover this year went up by the same amount you got from the compensation scheme then the Receiver could justify an investigation. I'm not saying it would, but there is a possibility.
My turnover for the original lock-down dropped because I was self isolating and didn't work. So I was justified in making a claim. Since the return to work my monthly turnover is slightly better than last year as I'm trying to get through my residential customers. We have lost all but 2 of our commercial work, but financially, we haven't been adversely affected since we started back.
My son is still at home looking after the grandchildren. He hasn't worked except on Saturdays. I've also been trying to clean his customer's as well, so his turnover is similar to what his was last year these last 2 months of May and June. Yes, he has been adversely affected as he hasn't been able to work weekdays, but financially he hasn't been adversely affected.
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If it's on offer you'd be silly not to take it. Who knows what's around the corner, we could all be back in lockdown come winter.
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Huh! Didn’t get the first one!
Bought the van, cash one year and installed system the next, cash
Also have high mileage so net profit lower than my £1k a month pensions.
Because of Covid I have to cover childcare in the morning and get to work around 2pm.
So have definitely suffered, cannot cover my whole round.
No help from Gov.
Be ok in September when they go back to school.
Have to say it’s been great having time with my son.
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Who is calming the next grant in August?
I have just lost two more jobs today from Covid, but can still get by, will lose some more I am sure of it.
what would you do?
Gazza
Hi Gazza
The question asked for the claim is: 'Have you been adversely affected" Yes or No? It's a simple question, there is no question of degree, if you lost £10 or £10 million regardless of new business gained within the period the answer would still be yes.
Furlough and SESS is simply bottom up Quantative Easing the same action as taken in 2008 but finance from the ground up rather than top (think Banks) down.
HTH
John
There is a question of degree as to how you have been affected. It's "adversely". Most people will of been affected.
Hi CleanClear
I disagree regarding 'degree' as the question asked is "have you been adversely affected"? Not by how much.
Adversely: "in a way that prevents success or development; harmfully or unfavourably"
If you have lost jobs as a direct consequence of Covid regardless of new ones gained you have been adverlsy affected and therefore have a right to claim.
As stated earlier I believe this to be quantitive easing, they actually want you to take it, however they don't want to see fraud, this is clearly not fraud.
John
There is a difference in meaning between
" has your income been affected by Covid19?" and "has your income been adversely effected by Covid19?"
Adversely is a measure of degree.
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Huh! Didn’t get the first one!
Bought the van, cash one year and installed system the next, cash
Also have high mileage so net profit lower than my £1k a month pensions.
Because of Covid I have to cover childcare in the morning and get to work around 2pm.
So have definitely suffered, cannot cover my whole round.
No help from Gov.
Be ok in September when they go back to school.
Have to say it’s been great having time with my son.
I got 2 years average over 3 years as I also wrote my van off against tax in the middle year. Even if I didn't get anything we would have managed with a bit of pension coming in and the wife's earnings, so I can't complain at all. I'm actually really grateful.
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You don’t know if you’ll lose work yet let’s be honest you won’t know until the end of the year or towards the end,you need to look ahead a bit and think to yourself will or may I lose work from say November onwards I think then you would know more so it’s a gamble, either way you look at it each and every one of us will be paying it back in some form or another so don’t think you are doing anyone any favours.
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If it's on offer you'd be silly not to take it. Who knows what's around the corner, we could all be back in lockdown come winter.
Its been said that the Nightingale Hospitals were built for the second wave. So you could well be right. Its effecting the southern hemisphere countries in their winter now; South Africa and Australia for example. But the claim isn't a saving account for the future. Its for whats happening now.
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From the Govt website.
(http://www.cleanitup.co.uk/smf/1594845066_Untitled 15.jpg)
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Hey Spruce,
If we are locked down come winter and you combine that with a prolonged spell of bad weather. It would be nice to have the money in the bank. If we're fine I'll invest the money in the business. We'll all have to pay for the governments borrowing via higher taxes/ national insurance. So I will take my chances, you never know.
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Hey Spruce,
If we are locked down come winter and you combine that with a prolonged spell of bad weather. It would be nice to have the money in the bank. If we're fine I'll invest the money in the business. We'll all have to pay for the governments borrowing via higher taxes/ national insurance. So I will take my chances, you never know.
This is up to each and everyone of us to make that call. As Darran says, nobody call tell you what to do or not to do regarding the 2nd grant.
Slacky's link on the post above is very pertinent.
From the Govt website.
(http://www.cleanitup.co.uk/smf/1594845066_Untitled 15.jpg)
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Hey Spruce,
If we are locked down come winter and you combine that with a prolonged spell of bad weather. It would be nice to have the money in the bank. If we're fine I'll invest the money in the business. We'll all have to pay for the governments borrowing via higher taxes/ national insurance. So I will take my chances, you never know.
As I said earlier, this is a call each one of us has to make themselves.
But I can't help thinking about my experience in a past life when I worked as National After Sales Service Manager for Bosch Power Tools in South Africa.
South Africans generally had the 'if its for free then its for me' attitude to life.
I was in Germany for 6 weeks back in 1988. The trade unions has just finished negotiating a new 36 hour week for the staff working on the factory floor. It was on the Friday afternoon my counterpart in Germany and I walked into the staff canteen at around 3pm which was the beginning of a coffee break time for the factory staff.
I asked them why they are still working as their 36 hours was up and they weren't getting paid overtime. The answer was that they weren't bothered about the new working hours as "the country couldn't afford it." (The Germans were avid recyclers back in 1988 where paper, plastics and household rubbish were separated at source. When I asked why they did my counterpart in Germany stated that they wanted their children to inherit a clean country. By 1990 Bosch had put in place a power tool recycling system in Germany and in Switzerland.)
When I went back to Germany in 1990 for a service managers conference a large portion of the factory workers car park was empty. Bosch had moved most of the production lines to Poland, Hungary and Czechoslovakia and those workers at Leinfelden near Stuttgart were made redundant. For me this was a lesson learnt in looking at the bigger picture.
Bosch in South Africa bought a whole consignment of power tools that were made in Mexico for the Christmas sales in December 1992. They were still manufacturing the old models of power tools in Mexico, much like the VW Beetle.
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Unfortunately it's no longer in this countries genetics to have any moral integrity ( if it ever did ). The country is gonna go broke. Take the grant or don't, everybody is out for themselves and the crisis hasn't even begun yet.
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If it's on offer you'd be silly not to take it. Who knows what's around the corner, we could all be back in lockdown come winter.
It doesn't matter if we go back into lockdown again......we can still work as usual....👍
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Hey Spruce,
If we are locked down come winter and you combine that with a prolonged spell of bad weather. It would be nice to have the money in the bank. If we're fine I'll invest the money in the business. We'll all have to pay for the governments borrowing via higher taxes/ national insurance. So I will take my chances, you never know.
How often do we have a spell of prolonged bad weather where we cant work whatsoever?
Last time it was 10 years ago in jan 2010....I didnt work for 3 weeks due to heavy snow......that's it.....😁👍
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Unfortunately it's no longer in this countries genetics to have any moral integrity ( if it ever did ). The country is gonna go broke. Take the grant or don't, everybody is out for themselves and the crisis hasn't even begun yet.
But it still exists in some other parts of the world.
If there is a shortage of an item, bread for example, people here will grab as many loaves as they can without giving a second thought for those behind them who will get nothing. We have seen this with the outbreak of Covid19.
The Japanese however will only buy what they actually need for that day and leave the rest for those following behind. Why is their culture and moral integrity and fortitude different to ours?
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Hey Spruce,
If we are locked down come winter and you combine that with a prolonged spell of bad weather. It would be nice to have the money in the bank. If we're fine I'll invest the money in the business. We'll all have to pay for the governments borrowing via higher taxes/ national insurance. So I will take my chances, you never know.
So in other words, your not adversely effected now but just in case something happens in the future, your claiming the grant? So your not eligible then are you, the grant isn’t for just in case we have a bad winter and in lockdown. The grant isn’t for you may lose customers after the furlough ends in October, the grant isn’t for just in case you lose customers at Christmas time. the majority of shiners on here carried on regardless of the lockdown
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Unfortunately it's no longer in this countries genetics to have any moral integrity ( if it ever did ). The country is gonna go broke. Take the grant or don't, everybody is out for themselves and the crisis hasn't even begun yet.
But it still exists in some other parts of the world.
If there is a shortage of an item, bread for example, people here will grab as many loaves as they can without giving a second thought for those behind them who will get nothing. We have seen this with the outbreak of Covid19.
The Japanese however will only buy what they actually need for that day and leave the rest for those following behind. Why is their culture and moral integrity and fortitude different to ours?
Well put ! , thanks for illustrating my point perfectly.
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Who is calming the next grant in August?
I have just lost two more jobs today from Covid, but can still get by, will lose some more I am sure of it.
what would you do?
Gazza
I don't think that qualifies you.
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Who is calming the next grant in August?
I have just lost two more jobs today from Covid, but can still get by, will lose some more I am sure of it.
what would you do?
Gazza
Hi Gazza
The question asked for the claim is: 'Have you been adversely affected" Yes or No? It's a simple question, there is no question of degree, if you lost £10 or £10 million regardless of new business gained within the period the answer would still be yes.
Furlough and SESS is simply bottom up Quantative Easing the same action as taken in 2008 but finance from the ground up rather than top (think Banks) down.
HTH
John
There is a question of degree as to how you have been affected. It's "adversely". Most people will of been affected.
^^^^^
In the words of Martin Lewis; "You are asked to make a statement confirming you have been adversely affected. If you can put your hand on your heart and tick the box that you have been self isolating, ill or caring for someone and you couldn't work then claim it."
He says there are 800,000 self employed who were legible to claim but who didn't claim. I can't believe all these didn't know about the scheme. I wonder if some have been working cash in hand and decided that claiming would leave them open to investigation.
If your turnover this year went up by the same amount you got from the compensation scheme then the Receiver could justify an investigation. I'm not saying it would, but there is a possibility.
My turnover for the original lock-down dropped because I was self isolating and didn't work. So I was justified in making a claim. Since the return to work my monthly turnover is slightly better than last year as I'm trying to get through my residential customers. We have lost all but 2 of our commercial work, but financially, we haven't been adversely affected since we started back.
My son is still at home looking after the grandchildren. He hasn't worked except on Saturdays. I've also been trying to clean his customer's as well, so his turnover is similar to what his was last year these last 2 months of May and June. Yes, he has been adversely affected as he hasn't been able to work weekdays, but financially he hasn't been adversely affected.
They will use 16, 17 and 18's figures.
If anyone is getting cash in hand it'll only mean they can claim less.
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And don't forget that they moved the date from which you should have been affected.
I think this one will be harder to claim and you might need to provide evidence. Unless you've been ill, looking after someone or had stop work to some extent, I'd do some research into it.
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I claimed last grant due to my wife being of work, (may have been covid).
I lost jobs..
I had work on hold.
Am I adversly effected this time...No.
Still have work on hold and have lost work but gained some at the same time.
My income is up so there is your answer.
The grant is not ment for what is down the road. It is for the months of May, June, July.
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I claimed last grant due to my wife being of work, (may have been covid).
I lost jobs..
I had work on hold.
Am I adversly effected this time...No.
Still have work on hold and have lost work but gained some at the same time.
My income is up so there is your answer.
The grant is not ment for what is down the road. It is for the months of May, June, July.
No, it was for June, July and August.
But you can forget it if you were only adversely affected in June.
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June july august...
Oh yeh.. 😁
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My interpretation of the current situation is that October is going to be squeaky bum time for our trade, and I'll have a better idea of what to do then. Much of the government support ends in octber, the nation may pretty well be standing on its own feet without much help and the true situation will be much clearer. Its also traditionally a time when new work isn't abundant, Christmas round the corner, clocks going back, winter on its way etc. I've already noticed a change with new enquiries slowing and cancellations due to redundancy starting to creep in. Make hay now, because October's not far away. I'm hoping I'll be
pleasantly surprised by then but I'm not holding my breath.
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Agree, that's what I was meaning by my previous comment, the crisis hasn't begun yet, we've just been treading water.
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3-5 million unemployed this time in 6 months lol I think most will be effected tbh.
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3-5 million unemployed this time in 6 months lol I think most will be effected tbh.
That's not June (?), July and August though.
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3-5 million unemployed this time in 6 months lol I think most will be effected tbh.
That's not June (?), July and August though.
I think you just have to confirm you’ve been affected after July 15th? I’m not good at maths but October is after July. :D
The scheme will be open to apply still probably in October.
Dunno though?
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What I’m saying is people on here are debating whether or not they’ll be effected or have been,you may have been working normally or much the same as you would have been will that be the same in 6 months time.
She’s laying on her front topless at the moment but give it till the end of the year she’ll be turning over and going tits up 🤣🤣
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3-5 million unemployed this time in 6 months lol I think most will be effected tbh.
That's not June (?), July and August though.
I think you just have to confirm you’ve been affected after July 15th? I’m not good at maths but October is after July. :D
The scheme will be open to apply still probably in October.
Dunno though?
That's true; they haven't given a deadline for being affected. Yet.
A lot of it is still up in the air and it can change anyway. The second grant will only apply from Tuesday and I think we'll hear on the 17th of August, so there's plenty of time to be adversely affected.
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3-5 million unemployed this time in 6 months lol I think most will be effected tbh.
i bet hardly any of us are effected ...we never are during a recession.....yes we will lose the odd job here and there but itll have zero effect on our income overall as theres always another new job just around the corner..... :)
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Yes i think it is going to get worse before it gets better lets see
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I can feel a lot of guys having the sniffles, talking a 2 week holiday self isolating and then picking up a cheque for 4 or 5 k.
Would be nice to get paid for a holiday. ;D
I took the first grant, I was definitely effected. Me and my wife work together, and the conflicting information said it was best if you “worked alone”. So I just worked myself for3 months. I had contract work on hold, and compared to my previous years income I can categorically look and show my earnings were down.
This next one might be different. I’m going to wait a while till I make my decision.
As always the government guidelines are ambiguous. It says if you were “adversely effected”, but then in the scenarios they give you, it seems to show regardless of income, if your able to work then you don’t qualify.
I’m leaning more to the side of not taking the second grant, but that may change. We’ve still got Atleast 2 or 3 months to decide.
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I think you would've been stupid or naive to not have taken the first one. Understandably no-one knew anything at the time about how this was going to pan out. For all anyone knew we may have been sat on our arses literally confined to barracks for months. We were being told to claim if we had been adversely affected. I bet there were very very few people who had not been adversely affected and knew exactly what was going to happen two months or so down the line.
If things carry on as they are I wont be claiming the second grant, but theres plenty of time to make that decision.
If this goes on adversely in to the new year then I imagine the Govt will step up and make another offer to support businesses. I doubt theres a great deal to overly concern ourselves with. Which is surprising really, considering the scale of whats going on.
Im going on holiday in two weeks, can't all be bad... :D
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I think you would've been stupid or naive to not have taken the first one. Understandably no-one knew anything at the time about how this was going to pan out. For all anyone knew we may have been sat on our arses literally confined to barracks for months. We were being told to claim if we had been adversely affected. I bet there were very very few people who had not been adversely affected and knew exactly what was going to happen two months or so down the line.
If things carry on as they are I wont be claiming the second grant, but theres plenty of time to make that decision.
If this goes on adversely in to the new year then I imagine the Govt will step up and make another offer to support businesses. I doubt theres a great deal to overly concern ourselves with. Which is surprising really, considering the scale of whats going on.
Im going on holiday in two weeks, can't all be bad... :D
I agree with this , I took the first one but doubt I will take the 2nd as I'm mad busy.
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The government will not step in again they’ve said businesses will go and many will be effected,they’ve helped this time there’s no way you would get anything like a grant again.
This next grant is the last chance people will get to keep going they’ve more or less said that,not all businesses will survive Rishi must have said that 100 times.
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Having furloughed workers work and claiming for them as well are the people they are looking to hang,that is out and out fraud no grey area there.
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(http://www.cleanitup.co.uk/smf/1594986293_Screenshot_20200717-124354_Samsung Internet.jpg)
If you haven't submitted this years tax return
Be warned
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its a great time to be a window cleaner thats for sure,esp if your a well established outfit who goes about their business in a professional manner...
you honestly cant lose in this game......
have you ever noticed every time you lose a job that another enquiry /walk up/recommendation soon materialize?its completely self sustaining with no money needed to be spent on advertising.
the only requirement is for you to keep providing a good,reliable service at a fair price and show respect for your customers property...thats it! 8)
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So if anyone’s got any evidence that they couldn’t clean particular jobs they’ve been adversely affected lol,I can see it now everyone must have jobs customers have said to them leave it until end of the summer.
It doesn’t say as long as you are earning the same you can’t claim,they really would have saved 100s of millions if they’d had said that but if a loophole there.
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its a great time to be a window cleaner thats for sure,esp if your a well established outfit who goes about their business in a professional manner...
you honestly cant lose in this game......
have you ever noticed every time you lose a job that another enquiry /walk up/recommendation soon materialize?its completely self sustaining with no money needed to be spent on advertising.
the only requirement is for you to keep providing a good,reliable service at a fair price and show respect for your customers property...thats it! 8)
Absolutely amazes me how that happens every time within a week or days even it’s replaced.
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I think you would've been stupid or naive to not have taken the first one. Understandably no-one knew anything at the time about how this was going to pan out. For all anyone knew we may have been sat on our arses literally confined to barracks for months. We were being told to claim if we had been adversely affected. I bet there were very very few people who had not been adversely affected and knew exactly what was going to happen two months or so down the line.
If things carry on as they are I wont be claiming the second grant, but theres plenty of time to make that decision.
If this goes on adversely in to the new year then I imagine the Govt will step up and make another offer to support businesses. I doubt theres a great deal to overly concern ourselves with. Which is surprising really, considering the scale of whats going on.
Im going on holiday in two weeks, can't all be bad... :D
I don't think that there'll be any further help.
They'll have run out of other peoples' money to spend ;D.
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The only industry they would help and that would be as far as business rates and Vat goes is the hospitality sector,we are all jogging along unaware of what’s coming because it hasn’t really effected us.
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The government will not step in again they’ve said businesses will go and many will be effected,they’ve helped this time there’s no way you would get anything like a grant again.
This next grant is the last chance people will get to keep going they’ve more or less said that,not all businesses will survive Rishi must have said that 100 times.
If the country has to lock down again, instructed to, like at the end of March, by the Govt, they wouldn't have a choice not to.
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The only industry they would help and that would be as far as business rates and Vat goes is the hospitality sector,we are all jogging along unaware of what’s coming because it hasn’t really effected us.
Agree
The majority of the working population that have been locked down have been given arm bands to help them tread water. Come the autumn, it will be time to sink or swim.
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I think Cleaner Planner must have the virus. Mine hasn’t worked since February.
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All they keep talking about now is a second spike that’s what people are saying the Nightingale was for,as far as people get cash handouts taxed or not I can’t see that happening again.
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No one commenting on this thread seems to have done the basics.
Read the government website. It has all you need for you to decide if you are eligible.
The question for the eligible self employed and the second grant is was your business affected adversely by COVID-19 on July 14th. If it was you may claim. This is a change to what was suggested in May.
You should keep evidence so that if asked you can provide it.
I have listed every customer that had remained cancelled on that date due to Covid.
I have compared this year to date to last and noted the reduction in turnover.
I am prepared and shall claim. I shall put it to one side so that when if in the fullness of time HMRC disagrees with my as5sessment I am prepared.
I have pored over the small print, joined the HMRC webinars and made my own decision.
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https://inews.co.uk/news/hmrc-targets-false-claims-self-employed-financial-support-scheme-545927
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https://inews.co.uk/news/hmrc-targets-false-claims-self-employed-financial-support-scheme-545927
"She added: “HMRC has issued guidance to the self-employed that if they have been ‘overpaid’, or claimed a grant in error, or were not eligible for the grant in the first place they should pay the money back immediately.”
Overpaid? How can anyone have been overpaid, there was no choice as to what you got, if you qualified you got whatever they gave you. There was no option as to whether you just wanted one month not 3 or similar.
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I was on 2 to 3 days a week on lockdown I claimed the first grant
The work I have lost or on hold has been replaced by one offs so technically now iam not effected because that has replaced the work I was adversely affected with
All of my carpet cleaning has stopped since lockdown but like I say it's been replace with other stuff outside work
I could argue that the work that's on hold would have been done and the new stuff would have been done also so would they class It as adversely affected i do but i dont want to take the 2nd grant
I would spend it then they want it back and a full audit i dont mind the audit but the hassle of it and paying back the grant then they might decide the first grant need paying back but i doubt that they can have my yearly bank statement s worse case cinario
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No one commenting on this thread seems to have done the basics.
Read the government website. It has all you need for you to decide if you are eligible.
The question for the eligible self employed and the second grant is was your business affected adversely by COVID-19 on July 14th. If it was you may claim. This is a change to what was suggested in May.
You should keep evidence so that if asked you can provide it.
I have listed every customer that had remained cancelled on that date due to Covid.
I have compared this year to date to last and noted the reduction in turnover.
I am prepared and shall claim. I shall put it to one side so that when if in the fullness of time HMRC disagrees with my as5sessment I am prepared.
I have pored over the small print, joined the HMRC webinars and made my own decision.
But based on the scenarios given by Hmrc if you’ve been able to work through the lockdown, then you may not qualify.
Look at the wording of those scenarios that they’ve given.
https://www.gov.uk/guidance/how-different-circumstances-affect-the-self-employment-income-support-scheme
It’s not as simple as your making out, and certainly not a matter of just “doing the basics” as you put it.
It’s purposefully ambiguous.
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The government will not step in again they’ve said businesses will go and many will be effected,they’ve helped this time there’s no way you would get anything like a grant again.
This next grant is the last chance people will get to keep going they’ve more or less said that,not all businesses will survive Rishi must have said that 100 times.
If the country has to lock down again, instructed to, like at the end of March, by the Govt, they wouldn't have a choice not to.
Who will instruct the government to lock down again?
There will be no more handouts because they run out of other peoples' money to spend.
That's the problem with socialism.
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No one commenting on this thread seems to have done the basics.
Read the government website. It has all you need for you to decide if you are eligible.
The question for the eligible self employed and the second grant is was your business affected adversely by COVID-19 on July 14th. If it was you may claim. This is a change to what was suggested in May.
You should keep evidence so that if asked you can provide it.
I have listed every customer that had remained cancelled on that date due to Covid.
I have compared this year to date to last and noted the reduction in turnover.
I am prepared and shall claim. I shall put it to one side so that when if in the fullness of time HMRC disagrees with my as5sessment I am prepared.
I have pored over the small print, joined the HMRC webinars and made my own decision.
There is no HMRC definition of 'adversely affected'. From what I've read, it is deliberately vague and nothing to do with turnover or profit. I think it is designed to deter us from claiming. The 14th July 'affected' date tells me this.
There are ways round this but it's not my PP lacE
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Well like I said. I have made my decision within the guidelines to the best of my belief.
For me I had enough customers on hold on July 14th and enough reduction in turnover between lockdown and then for me to feel able to claim within the guidance.
I shall put the money to one side and if HMRC are not happy with my evidence to support this (I guess that will be when I submit my return after next April) then I will have it to hand.
If they ask why I claimed I am prepared to list names and amounts from George of lost customers and show them the monthly reductions year on year.
A verbal statement on one of the webinar in answer to the question about loss percentages was 'we are not quantifying 10,20,30% loss of income, you must decide whether your business was adversely affected on July 14th'.
One person asked if the fact he was still trading but had to put up screens and buy masks etc and the answer was always 'if your business was adversely affected by Covid 19 you are eligible ...'
You make your decisions. I am confident enough to make mine and face any consequences.
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Well like I said. I have made my decision within the guidelines to the best of my belief.
For me I had enough customers on hold on July 14th and enough reduction in turnover between lockdown and then for me to feel able to claim within the guidance.
I shall put the money to one side and if HMRC are not happy with my evidence to support this (I guess that will be when I submit my return after next April.) then I will have it to hand.
If they ask why I claimed I am prepared to list names and amounts from George of lost customers and show them the monthly reductions year on year.
A verbal statement on one of the webinar in answer to the question about loss percentages was 'we are not quantifying 10,20,30% loss of income, you must decide whether your business was adversely affected on July 14th'.
One person asked if the fact he was still trading but had to put up screens and buy masks etc and the answer was always 'if your business was adversely affected by Covid 19 you are eligible ...'
You make your decisions. I am confident enough to make mine and face any consequences.
Well if you've had to stop/temporarily scale down since Tuesday, go for it. Or if you'll have to stop/temporarily scale down from Tuesday, go for it.
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Well like I said. I have made my decision within the guidelines to the best of my belief.
For me I had enough customers on hold on July 14th and enough reduction in turnover between lockdown and then for me to feel able to claim within the guidance.
I shall put the money to one side and if HMRC are not happy with my evidence to support this (I guess that will be when I submit my return after next April.) then I will have it to hand.
If they ask why I claimed I am prepared to list names and amounts from George of lost customers and show them the monthly reductions year on year.
A verbal statement on one of the webinar in answer to the question about loss percentages was 'we are not quantifying 10,20,30% loss of income, you must decide whether your business was adversely affected on July 14th'.
One person asked if the fact he was still trading but had to put up screens and buy masks etc and the answer was always 'if your business was adversely affected by Covid 19 you are eligible ...'
You make your decisions. I am confident enough to make mine and face any consequences.
Well if you've had to stop/temporarily scale down since Tuesday, go for it. Or if you'll have to stop/temporarily scale down from Tuesday, go for it.
So ... the op said he lost 2 jobs, can he go for it?
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2 jobs? Depends on the OP to decide.
2 jobs x £12.50 = £25 per month x 5 months since lock down and no sign of coming back = £125 lost so far. How much lost if they don't come back this year? £300.00
2 jobs x £250 = £500 per month x 5 months since lock down and no sign of coming back = £2,500 so far. How much if they don't come back this year? £6,000.00
Personally I think the first situation would be wrong for me to claim. The second, then I would.
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Well like I said. I have made my decision within the guidelines to the best of my belief.
For me I had enough customers on hold on July 14th and enough reduction in turnover between lockdown and then for me to feel able to claim within the guidance.
I shall put the money to one side and if HMRC are not happy with my evidence to support this (I guess that will be when I submit my return after next April.) then I will have it to hand.
If they ask why I claimed I am prepared to list names and amounts from George of lost customers and show them the monthly reductions year on year.
A verbal statement on one of the webinar in answer to the question about loss percentages was 'we are not quantifying 10,20,30% loss of income, you must decide whether your business was adversely affected on July 14th'.
One person asked if the fact he was still trading but had to put up screens and buy masks etc and the answer was always 'if your business was adversely affected by Covid 19 you are eligible ...'
You make your decisions. I am confident enough to make mine and face any consequences.
Well if you've had to stop/temporarily scale down since Tuesday, go for it. Or if you'll have to stop/temporarily scale down from Tuesday, go for it.
So ... the op said he lost 2 jobs, can he go for it?
I say no.
If I lost two jobs then I wouldn't have to stop or temporarily scale down.
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2 jobs? Depends on the OP to decide.
2 jobs x £12.50 = £25 per month x 5 months since lock down and no sign of coming back = £125 lost so far. How much lost if they don't come back this year? £300.00
2 jobs x £250 = £500 per month x 5 months since lock down and no sign of coming back = £2,500 so far. How much if they don't come back this year? £6,000.00
Personally I think the first situation would be wrong for me to claim. The second, then I would.
Income isn't a factor, Malc.
In theory, you could be earning more but still entitled to the grant. Earnings were taken out of the equation in May, I think.
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2 jobs? Depends on the OP to decide.
2 jobs x £12.50 = £25 per month x 5 months since lock down and no sign of coming back = £125 lost so far. How much lost if they don't come back this year? £300.00
2 jobs x £250 = £500 per month x 5 months since lock down and no sign of coming back = £2,500 so far. How much if they don't come back this year? £6,000.00
Personally I think the first situation would be wrong for me to claim. The second, then I would.
The grant isn’t to cover a years wage though is it, you could go on forever and try convince yourself you should have it but where does it stop?
2x £12.50 jobs = £25 x a lifetime (25 years) ???
= £7500
Etc etc
We gain and lose jobs on a daily /weekly/monthly basis, regardless of Covid. Scrounging benefits and working just isn’t in my blood , iv lost a months pay but took it on the chin and carried on.
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It says...
If you claimed but found you were ok after then you should pay it back... 🤔
I will leave this here for comments..
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I think it was John Ruskin who said - "There is no such thing as a free lunch"
I suppose when your accountant is preparing your 20/21 tax return it will become evident if you'll have to pay any monies back to the Government..... i hope not!
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It says...
If you claimed but found you were ok after then you should pay it back... 🤔
I will leave this here for comments..
Source?
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Shrek and JK999 - I have removed your little spat with each other of derogatory posts.
Please don't start off again.
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Source...
https://inews.co.uk/news/hmrc-targets-false-claims-self-employed-financial-support-scheme-545927
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If one of a self employed persons' customers insists on him wearing a £1 mask to carry out work for him because of his fear of coronavirus, then is that self employed person £1 worse off than he would have been if coronavirus didn't exist? I believe the answer to that question is Yes.
Is he adversely affected?
If he says or thinks that he is , then could he rightfully claim the full grant?
If a self employed person thinks that tens of thousands of people are going to lose their jobs after furloughing ends and thinks this will affect the economy and subsequently his business related income, then is he correct to state that on or after 14 July he think that he is adversely affected by corona virus?
If yes, can he claim the full grant?
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'It is possible that a further HMRC directive will be published before applications open for the second SEISS grant.'
That's from a tax expert. I think it's much more likely than 'possible'.
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If one of a self employed persons' customers insists on him wearing a £1 mask to carry out work for him because of his fear of coronavirus, then is that self employed person £1 worse off than he would have been if coronavirus didn't exist? I believe the answer to that question is Yes.
Is he adversely affected?
If he says or thinks that he is , then could he rightfully claim the full grant?
If a self employed person thinks that tens of thousands of people are going to lose their jobs after furloughing ends and thinks this will affect the economy and subsequently his business related income, then is he correct to state that on or after 14 July he think that he is adversely affected by corona virus?
If yes, can he claim the full grant?
Again, it comes down to 'adversely affected' and what it means regarding this.
If you've lost two £12.50 jobs, bought a mask or lost confidence in the market, I reckon the HMRC will show a lot more discretion this time.
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It says...
If you claimed but found you were ok after then you should pay it back... 🤔
I will leave this here for comments..
Source...
https://inews.co.uk/news/hmrc-targets-false-claims-self-employed-financial-support-scheme-545927
Your source does not back up what you said in the first quote. Nowhere in the article does it say what you said it said. It does say this however ...
Suggesting some who received SEISS cash may want to return it, he added: “Some eligible customers may choose to voluntarily repay a grant or part of a grant, and this is entirely a matter for them. For those that do want to repay we have provided practical guidance on how to do so.”
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If one of a self employed persons' customers insists on him wearing a £1 mask to carry out work for him because of his fear of coronavirus, then is that self employed person £1 worse off than he would have been if coronavirus didn't exist? I believe the answer to that question is Yes.
Is he adversely affected?
If he says or thinks that he is , then could he rightfully claim the full grant?
If a self employed person thinks that tens of thousands of people are going to lose their jobs after furloughing ends and thinks this will affect the economy and subsequently his business related income, then is he correct to state that on or after 14 July he think that he is adversely affected by corona virus?
If yes, can he claim the full grant?
Iv spoke to Hmrc And they told me if I spend £1 on a mask , then I’m adversely affected. My advice is go for it , just keep the receipt for the £1 mask. He also told me that if I sit and have a think about how many customers I may lose at Christmas, then I’m adversely affected by the 14th July . Iv just to make sure I write my thoughts and feelings down with a date and time as proof. There will be no comeback and can keep 100% of the 2nd claim, my advice is go for it.
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If one of a self employed persons' customers insists on him wearing a £1 mask to carry out work for him because of his fear of coronavirus, then is that self employed person £1 worse off than he would have been if coronavirus didn't exist? I believe the answer to that question is Yes.
Is he adversely affected?
If he says or thinks that he is , then could he rightfully claim the full grant?
If a self employed person thinks that tens of thousands of people are going to lose their jobs after furloughing ends and thinks this will affect the economy and subsequently his business related income, then is he correct to state that on or after 14 July he think that he is adversely affected by corona virus?
If yes, can he claim the full grant?
Iv spoke to Hmrc And they told me if I spend £1 on a mask , then I’m adversely affected. My advice is go for it , just keep the receipt for the £1 mask. He also told me that if I sit and have a think about how many customers I may lose at Christmas, then I’m adversely affected by the 14th July . Iv just to make sure I write my thoughts and feelings down with a date and time as proof. There will be no comeback and can keep 100% of the 2nd claim, my advice is go for it.
You HAVE spoken to the tax office and this seriously is what they said?
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If one of a self employed persons' customers insists on him wearing a £1 mask to carry out work for him because of his fear of coronavirus, then is that self employed person £1 worse off than he would have been if coronavirus didn't exist? I believe the answer to that question is Yes.
Is he adversely affected?
If he says or thinks that he is , then could he rightfully claim the full grant?
If a self employed person thinks that tens of thousands of people are going to lose their jobs after furloughing ends and thinks this will affect the economy and subsequently his business related income, then is he correct to state that on or after 14 July he think that he is adversely affected by corona virus?
If yes, can he claim the full grant?
Iv spoke to Hmrc And they told me if I spend £1 on a mask , then I’m adversely affected. My advice is go for it , just keep the receipt for the £1 mask. He also told me that if I sit and have a think about how many customers I may lose at Christmas, then I’m adversely affected by the 14th July . Iv just to make sure I write my thoughts and feelings down with a date and time as proof. There will be no comeback and can keep 100% of the 2nd claim, my advice is go for it.
You HAVE spoken to the tax office and this seriously is what they said?
I think shrek was being sarcastic!(it doesn't come through well on an internet post!)👍😁
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If one of a self employed persons' customers insists on him wearing a £1 mask to carry out work for him because of his fear of coronavirus, then is that self employed person £1 worse off than he would have been if coronavirus didn't exist? I believe the answer to that question is Yes.
Is he adversely affected?
If he says or thinks that he is , then could he rightfully claim the full grant?
If a self employed person thinks that tens of thousands of people are going to lose their jobs after furloughing ends and thinks this will affect the economy and subsequently his business related income, then is he correct to state that on or after 14 July he think that he is adversely affected by corona virus?
If yes, can he claim the full grant?
Iv spoke to Hmrc And they told me if I spend £1 on a mask , then I’m adversely affected. My advice is go for it , just keep the receipt for the £1 mask. He also told me that if I sit and have a think about how many customers I may lose at Christmas, then I’m adversely affected by the 14th July . Iv just to make sure I write my thoughts and feelings down with a date and time as proof. There will be no comeback and can keep 100% of the 2nd claim, my advice is go for it.
;D
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Au Rav..
HMRC is also encouraging self-employed people that were eligible to have claimed up to £7,500 in the first tranche of funds from the Treasury’s Self-Employment Income Support Scheme (SEISS), but subsequently did not need it, to return the cash.
This is what it says....
Second or third paragraph down..
It does say, 'encorages,' not demands.
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If one of a self employed persons' customers insists on him wearing a £1 mask to carry out work for him because of his fear of coronavirus, then is that self employed person £1 worse off than he would have been if coronavirus didn't exist? I believe the answer to that question is Yes.
Is he adversely affected?
If he says or thinks that he is , then could he rightfully claim the full grant?
If a self employed person thinks that tens of thousands of people are going to lose their jobs after furloughing ends and thinks this will affect the economy and subsequently his business related income, then is he correct to state that on or after 14 July he think that he is adversely affected by corona virus?
If yes, can he claim the full grant?
Iv spoke to Hmrc And they told me if I spend £1 on a mask , then I’m adversely affected. My advice is go for it , just keep the receipt for the £1 mask. He also told me that if I sit and have a think about how many customers I may lose at Christmas, then I’m adversely affected by the 14th July . Iv just to make sure I write my thoughts and feelings down with a date and time as proof. There will be no comeback and can keep 100% of the 2nd claim, my advice is go for it.
You HAVE spoken to the tax office and this seriously is what they said?
I think shrek was being sarcastic!(it doesn't come through well on an internet post!)👍😁
Fair do’s. It went straight over my head..
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Jury's still out... we shall see. ;D
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Is this not pushing you up into a different Tax bracket with all this claiming then 🤣🤣🤣 if you can claim 8-10 grand and still be working you’ll have a nice surprise January 21 lol.
They don’t need to look into anything because if you don’t need it and you are still working putting it through the books you’ll give it back in Tax lol,of course they’ll say claim away unless you are earning peanuts you’ll give a few grand of it back to em.
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Is this not pushing you up into a different Tax bracket with all this claiming then 🤣🤣🤣 if you can claim 8-10 grand and still be working you’ll have a nice surprise January 21 lol.
They don’t need to look into anything because if you don’t need it and you are still working putting it through the books you’ll give it back in Tax lol,of course they’ll say claim away unless you are earning peanuts you’ll give a few grand of it back to em.
your business brain is just so razor sharp Nigel 🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
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Well lol these people going on about claiming what they claiming a thousand pound 🤣🤣,if you are claiming 8-10 grand upwards over the 2 you’ll pay half back over a January and July lol,it’ll be a loan again.
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Is this not pushing you up into a different Tax bracket with all this claiming then 🤣🤣🤣 if you can claim 8-10 grand and still be working you’ll have a nice surprise January 21 lol.
They don’t need to look into anything because if you don’t need it and you are still working putting it through the books you’ll give it back in Tax lol,of course they’ll say claim away unless you are earning peanuts you’ll give a few grand of it back to em.
Eh?
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It’s the ones with blunt brains you need to give advise to Smudger not me m8 🤣🤣
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Well lol these people going on about claiming what they claiming a thousand pound 🤣🤣,if you are claiming 8-10 grand upwards over the 2 you’ll pay half back over a January and July lol,it’ll be a loan again.
Eh?
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Work it out if you are able to claim say the top amount in the first grant that means you are close to the maximum amount,if people then claim again it’s going to push their Tax and Nat ins up isn’t it they ain’t daft people will end up giving most of the second one back in a meal out with Rishi 🤣🤣
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Well lol these people going on about claiming what they claiming a thousand pound 🤣🤣,if you are claiming 8-10 grand upwards over the 2 you’ll pay half back over a January and July lol,it’ll be a loan again.
Eh?
Yeah eh that says it all.
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If you earn crap money claim both the grants if you don’t you either can’t claim it or it won’t be worth the paperwork.
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Work it out if you are able to claim say the top amount in the first grant that means you are close to the maximum amount,if people then claim again it’s going to push their Tax and Nat ins up isn’t it they ain’t daft people will end up giving most of the second one back in a meal out with Rishi 🤣🤣
Nope, tried twice and can’t decipher the code you’ve used to type your posts.
You remind me of those old DJ’s that used to talk over songs but you couldn’t understand what they were talking about.
Just a load of muffled up waffle, with a random laugh at the end!
Help me out here chief and give us a clue what your wise words mean?
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If you earn crap money claim both the grants if you don’t you either can’t claim it or it won’t be worth the paperwork.
How’d you figure?
I’m not applying for it by the way but I’m interested in your logic.
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(http://www.cleanitup.co.uk/smf/1595257497_E3FD402B-9569-4347-8D06-A48E7E786265.jpeg)
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(http://www.cleanitup.co.uk/smf/1595257532_5B8D34B3-64CE-4D61-872C-91161E9EEE5B.jpeg)
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He doesn’t just cook a nice Curry that Rishi.
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Claim claim claim 🤣🤣👌, go out and treat the Mrs to a new car or Holiday lol I’ll have that back thanks 🤣🤣🤣.
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The one thing they haven’t emphasised is that they are slipping you a crippler 🤣🤣,they may as well say when you apply again please bend over for the Taxman.
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Bounce back loans are the kindest thing they’ve done 👍 free for a year and then 2.5% for the duration with no early pay back penalties,Tax and Nat Ins will go up and stay up even new born babies are crying more they say because they’ll be the main contributors to helping to pay this back from when they 18- retirement 🤣🤣
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So you pay tax on the grant?
All these posts of waffle and other rubbish and your point was just, you pay tax on the grant.
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Do you not get the fact that if you earn a substantial living claiming extra money and continuing to work will put your income up,if you read between the lines it’ll tell you that it won’t be worth it. Have you not worked hardly at all in the last 4 months and it’ll continue to be the same for the next 3-4,If so claim away if you have you’ll get shafted royally.
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Do you not get the fact that if you earn a substantial living claiming extra money and continuing to work will put your income up,if you read between the lines it’ll tell you that it won’t be worth it. Have you not worked hardly at all in the last 4 months and it’ll continue to be the same for the next 3-4,If so claim away if you have you’ll get shafted royally.
I’m not claiming it mate.
And I understand how earnings and tax work, I also use an accountant whom I trust.
I was just wondering how much cr@p you’d spout rather than just putting “remember you’ve got to pay tax on it as it’ll be classed as earnings”.
Turns out, as per normal, a lot of cr@p.
Anyway, I’ll leave you to stalking Dazmond now; all the best 👍
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I think people are forgetting that it will put the income up that was my point,it’s hardly been mentioned that it may cause people to tip over into a certain bracket that will increase the tax overall.
If some people can keep taking grants they must be earning very little or should I say declaring very little.
I mean it will put the income up if they are continuing to work anything like as usual.
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it may cause people to tip over into a certain bracket that will increase the tax overall.
That’s not how tax brackets work.
I thought you’d know that...
You wouldn’t be allowed to apply if you were higher tax rate anyway, so I seriously doubt there is anyone out there applying for grants that would take them to higher tax brackets.
Mate, I’m sure there are things you do know a bit about but you should really stop giving advice on things you don’t know what you’re talking about...
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I think people are forgetting that it will put the income up that was my point,it’s hardly been mentioned that it may cause people to tip over into a certain bracket that will increase the tax overall.
If some people can keep taking grants they must be earning very little or should I say declaring very little.
I mean it will put the income up if they are continuing to work anything like as usual.
We've all known from the outset that any Seiss grant is NI&Taxable NWH. So a claimant will possibly pay back a third if things pick up at the end of the year? So what?
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I’m not talking about if things pick up I’m talking about people that are still earning the same and still claiming.
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I’m not talking about if things pick up I’m talking about people that are still earning the same and still claiming.
So if they claim and at the year end their business has recovered and done well and so they have an extra £7,500 (or their own computed sum) they pay tax and NI on it. Again, so what?
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Jesus read it if you are earning the same amount of money and claiming still,I have picked up more work over the last 3 months than ever at this time of the year will that show on my books or you’re books if you’ve had the same.
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Is this not pushing you up into a different Tax bracket with all this claiming then 🤣🤣🤣 if you can claim 8-10 grand and still be working you’ll have a nice surprise January 21 lol.
They don’t need to look into anything because if you don’t need it and you are still working putting it through the books you’ll give it back in Tax lol,of course they’ll say claim away unless you are earning peanuts you’ll give a few grand of it back to em.
What a load of crap you talk....firstly how will anyone get a nice surprise in January 21 lol ? The grant/grants will be included in the 20/21 financial year so the tax return won’t even be submitted by January 21! As for paying tax and NI on the grant/grants.....I would rather have in my bank account 50% of whatever I’m entitled to than 50% of nothing.
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👍
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it may cause people to tip over into a certain bracket that will increase the tax overall.
That’s not how tax brackets work.
I thought you’d know that...
You wouldn’t be allowed to apply if you were higher tax rate anyway, so I seriously doubt there is anyone out there applying for grants that would take them to higher tax brackets.
Mate, I’m sure there are things you do know a bit about but you should really stop giving advice on things you don’t know what you’re talking about...
Correct to a certain extent....but you forgot about us sweaty socks, we have different tax bands, we pay higher rate tax @ 41% after just under £43 500. I paid some higher rate tax last year but still qualified for the grant.
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Sorry I was incorrect I was meaning the following year when this may have been forgotten about,if your earnings are down by what you’ve claimed then nothing would change if you’ve been able to earn the same and have taken for example 7-8000 it could bump you up to 40% tax from 20% up to 50000. Depends what you earn you could end up in the 40% tax bracket.
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(http://www.cleanitup.co.uk/smf/1595282901_EB9912B6-9A1F-4F61-B351-594689E913E2.jpeg)
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Don’t know if that’s ^^^^^^^^^^for my benefit?....Like I say, it’s different in Scotland
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🤣🤣 yeah well you could have said so we haven’t got jimmy kranky running the show down here have we lol.
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🤣🤣 yeah well you could have said so we haven’t got jimmy kranky running the show down here have we lol.
Errrr I did, look at reply #118... The one that you’ve then tried to correct me on .....only to end up looking like a fool once again🤣🤣
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Just a fool me but you won’t get me cleaning jobs for half what they are worth.
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Sorry I was incorrect I was meaning the following year when this may have been forgotten about,if your earnings are down by what you’ve claimed then nothing would change if you’ve been able to earn the same and have taken for example 7-8000 it could bump you up to 40% tax from 20% up to 50000. Depends what you earn you could end up in the 40% tax bracket.
You do know how the higher tax brackets work right?
Do you think that if you get put into a higher tax bracket that all your income is then taxed at 40%?
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Sorry I was incorrect I was meaning the following year when this may have been forgotten about,if your earnings are down by what you’ve claimed then nothing would change if you’ve been able to earn the same and have taken for example 7-8000 it could bump you up to 40% tax from 20% up to 50000. Depends what you earn you could end up in the 40% tax bracket.
You do know how the higher tax brackets work right?
Do you think that if you get put into a higher tax bracket that all your income is then taxed at 40%?
I think NWH thinks that once you hit higher tax, all your earnings are taxed at 40%.
Seems like someone doesn’t earn what they say they do, otherwise he’d know how it works.
I’m out, I’ve fallen into the trap of arguing with an idiot who thinks he knows what he’s talking about.
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I may be wrong but NWH is saying that we obviuauly pay tax on the whole grant, but if we have earnt the same as previous years and claimed, we will have a lot higher tax bill in Jan and July 2022 as we start paying the instalments on the following years tax bill.
So if we take 29% out of the grant to set aside for tax that’s great, but we have potentially increased the profit by £13000 with the grant, so we will then have to pay and extra £3770 in tax over the two 2022 payments so that we are in credit for the next tax year. That will of course get deducted when we come to pay the 2022/23 tax bill and we will get it back, BUT you still have to pay it in the first place.
So bear in mind that the Jan 2022 and July 2022 could be a lot higher if you have carried on earning the same amount and claimed for both grants.
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And there we have it - all that bluster from Nigel about earning good money and giving an employee 20% of the days taking at £150+ yet does not have a clue about upper tax limits 😂😂😂😂😂
You couldn't make it 😂😂😂😂
Unlike him 🤪🤪🤪
His posts have brought me so much laughter over the last ew months 👍👍
Darran
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That’s correct lee.
That’s why I put mine first grant straight into a savings account and won’t spend it at all.
Once I know my turnover near the end of the tax year, I’ll know what’s left after tax to ‘spend’.
I did buy a load of new equipment to help bring my tax bill down though.
Also we need to remember, both grants were/will be paid in the same tax year, so it is going to cause a spike in turnover if you claim both and weren’t that effected.
Be better in some ways if the first grant was paid before April the 5th.
Anything over £50k is taxed at 40%, so the key is bring your turnover down. Monitor your turnover by month 9 of the tax year, and either cut back on work you don’t want to do (one offs, etc) to bring the turnover down. Or buy some new, expensive, but legitimate equipment to bring your profit down.
I do this most years. Check my turnover, then buy a new pole, brushes, maybe a new pressure washer, to bring my profit down.
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And there we have it - all that bluster from Nigel about earning good money and giving an employee 20% of the days taking at £150+ yet does not have a clue about upper tax limits 😂😂😂😂😂
You couldn't make it 😂😂😂😂
Unlike him 🤪🤪🤪
His posts have brought me so much laughter over the last ew months 👍👍
Darran
Oh don’t worry darran.
He’ll bring out the triple ladder and find a way out of this hole.
You just wait ;D
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If you earn crap money claim both the grants if you don’t you either can’t claim it or it won’t be worth the paperwork.
Have you considered that someone could have time off work for weeks or months because they, or a family member, are ill or at risk?
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If they have then it should mirror their income therefore they won’t be getting a higher tax bill than usual will they.
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If they have then it should mirror their income therefore they won’t be getting a higher tax bill than usual will they.
No.
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If they have then it should mirror their income therefore they won’t be getting a higher tax bill than usual will they.
No.
Right ok so you’ve sat on your arse for whatever reason for 3 months and claimed the grant if it’s less than you would have done when working you’ll pay less Tax,if you’ve been working and still taken the grant and been earning what you would normally it may tip you over.
Read above there’s one bloke that knows what I mean 🤣🤣 I think people are just thinking about claiming and not the repercussions of it if they are close to a different Tax bracket in 18 months 2 yers time.
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Bully me please bully me I love a bully I’ve silenced many of em 🤣🤣🤣🤣
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If they have then it should mirror their income therefore they won’t be getting a higher tax bill than usual will they.
No.
Right ok so you’ve sat on your arse for whatever reason for 3 months and claimed the grant if it’s less than you would have done when working you’ll pay less Tax,if you’ve been working and still taken the grant and been earning what you would normally it may tip you over.
Read above there’s one bloke that knows what I mean 🤣🤣 I think people are just thinking about claiming and not the repercussions of it if they are close to a different Tax bracket in 18 months 2 yers time.
trip you over ? please explain and give an example please - actual figures more us lesser mortals
Darran
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Bully me please bully me I love a bully I’ve silenced many of em 🤣🤣🤣🤣
Please don't assume that when other members are highlighting flaws in your posts then that is bullying.
It is important to be accurate when discussing the SEISS grants and I believe that most on here realise that the grants are to be treated as gross income which is why some that are claiming and are able to do so are putting it to one side for future tax bills.
Even if a self employed person has an unforeseen rise in turnover and the grant takes him/her into a higher tax bracket then he/she will only pay the higher band on the proportion of earnings above that bracket start point.
To ameliorate that situation someone might think that the end of this tax year is a good time to buy needed equipment or a van rather than pay (eg) 40% on a portion of their income. Others might feel they would put it into a pension. Yet others will take the tax hit but they won't be worse off than if they had not received it.
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Some people you can’t explain things they just stare at you dribbling chin on chest to one side on a swivel chair.,shouting through spittle 20% 20% I want my 20% 🤣🤣
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Look at it which way you like you know what’s best for you 👍
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Put it into a pension lol do you know what you need in a pension to make it worth having,I’m not taking about a poultry couple of hundred quid a week that by the time you come to draw it that won’t even cover your food and light bill you need silly money in a pension to be able join the big boys on a swivel chair and flat screen telly.
I should know this I’m very good friends with a bloke that used to sell them I don’t get chance to talk to him often most of the time he’s running from clients he signed up years ago lol,pension wasn’t that just a fad a pension 🤣🤣.
Stick it under the bed you’ll do better show me someone that’s had a giant proportion of what they’ve scrimped and saved and deprived themselves of the finer things in life for decades for the privilege of knowing they are ok when they start to wet thereselves and are unaware whether they have £10 or £10.000.000 🤣🤣
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When you can draw a so called pension life’s over enjoy life while you can.
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You seem to have no clue NWH. You can take pension at 55. You can take as much or as little of the pot as you want and when you want.
But of course a pension becomes even more attractive when you are in the 40% tax bracket.
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(http://www.cleanitup.co.uk/smf/1595353378_UgX.gif)
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You can take as much or as little if you want of you’re money 🤣,listen a bloke that sells you a pension is little more than a bookie.
If you live till you are 95 you are being compared to a horse that’s an outsider of 66-1 lol,for each 1 of them there’s 1000s that are dead and won’t see a fraction of what they’ve paid in.
Always makes me laugh when I hear someone say they are giving me my pension in a few years lol,ffs it’s you’re money we made more on a property than we would have made in 15 years paying into a pension.
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(http://www.cleanitup.co.uk/smf/1595353378_UgX.gif)
I’ve been with worse lol turn the camera lense round now can you 🐒
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So you can't give us an example then?
Darran
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Nope I’m just a clueless window cleaner that knows nothing I’ve got 4 pensions all gonna give me 50 quid a week when I’m fit to do nothing,have no energy eat very little and have no big bills anyway lol.
You don’t think these pension company’s and investment brokers get up and go to work just to make you’re life easier do you week in week out 🤣,it’s called brainwashing it’s what you are told to believe if you listen long enough you will as they say believe you become a product of who and what surrounds you.
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If they have then it should mirror their income therefore they won’t be getting a higher tax bill than usual will they.
No.
Right ok so you’ve sat on your arse for whatever reason for 3 months and claimed the grant if it’s less than you would have done when working you’ll pay less Tax,if you’ve been working and still taken the grant and been earning what you would normally it may tip you over.
Read above there’s one bloke that knows what I mean 🤣🤣 I think people are just thinking about claiming and not the repercussions of it if they are close to a different Tax bracket in 18 months 2 yers time.
[/color]Jeeez, you just don’t get it do you? What has being close to a different tax bracket in 18 months to 2 years time got to do with claiming the grant/grants during this financial year?
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Thanks for that is that the Scotsman as well I’m glad I’ve got at least 2 people to point me in the right direction and 1 of em was quoting Scottish Tax law 🤣🪑
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Put it into a pension lol do you know what you need in a pension to make it worth having,I’m not taking about a poultry couple of hundred quid a week that by the time you come to draw it that won’t even cover your food and light bill you need silly money in a pension to be able join the big boys on a swivel chair and flat screen telly.
I should know this I’m very good friends with a bloke that used to sell them I don’t get chance to talk to him often most of the time he’s running from clients he signed up years ago lol,pension wasn’t that just a fad a pension 🤣🤣.
Stick it under the bed you’ll do better show me someone that’s had a giant proportion of what they’ve scrimped and saved and deprived themselves of the finer things in life for decades for the privilege of knowing they are ok when they start to wet thereselves and are unaware whether they have £10 or £10.000.000 🤣🤣
How much does he sell them chairs for without the telly?
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Thanks for that is that the Scotsman as well I’m glad I’ve got at least 2 people to point me in the right direction and 1 of em was quoting Scottish Tax law 🤣🪑
Wrong again! I didn’t ‘quote’ anything. I mentioned there is a different tax system used in Scotland, which as a result increases the likelihood of being in the higher tax bracket as the threshold is over £6500 lower than it is in the rest of the UK. It also means that despite already being in the higher tax bracket, you can still be eligible for the grant/grants. Of course, most of this will just go ‘whoosh’ over your head as you don’t seem to have much of a clue on such matters😉
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Put it into a pension lol do you know what you need in a pension to make it worth having,I’m not taking about a poultry couple of hundred quid a week that by the time you come to draw it that won’t even cover your food and light bill you need silly money in a pension to be able join the big boys on a swivel chair and flat screen telly.
I should know this I’m very good friends with a bloke that used to sell them I don’t get chance to talk to him often most of the time he’s running from clients he signed up years ago lol,pension wasn’t that just a fad a pension 🤣🤣.
Stick it under the bed you’ll do better show me someone that’s had a giant proportion of what they’ve scrimped and saved and deprived themselves of the finer things in life for decades for the privilege of knowing they are ok when they start to wet thereselves and are unaware whether they have £10 or £10.000.000 🤣🤣
That's a very nice friend that you've got. Or has he gotten the shitty end of the stick?
I'll stick to my poultry pension and my nest egg being the pheasant that I am.
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I pay into a sipp. every £10000 i put in the government put £2500 in to top it up. You don't have to invest it you can hold as cash, i do investit though if i was on 40 per cent be even more of a no brainer.
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Who is calming the next grant in August?
I have just lost two more jobs today from Covid, but can still get by, will lose some more I am sure of it.
what would you do?
Gazza
2 jobs?how much have you lost?£20 a month?£40 a month?......its a drop in the ocean......all our rounds are built on shifting sand......
we lose and pick up jobs every month......even when your very well established like me and you....nothing stays the same.....
do you use round software?have a look at this time last year and see if your earnings are different.....mine only ever go one way and thats up and thats been the case for over 10 years now
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I recieved a letter from HMRC about 2 days ago. They miscalculated my SEISS grant, it resulted in overpayment of a few hundred pounds. They are not going to activley seek to recoup the money, and it goes on to point out that it will all have to be declared on my next tax assesment (which i knew anyway) . I can't be the only one to get that letter, after all i done no calculating, they did ?
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That is why I have decided not to clam the second payment
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Bottom line is if HMRC conducted a proper audit on you (business and personal bank accounts, cash bill payments etc) can you prove you lost money due to Covid?
If you can then claim if not don't claim, simple.
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Bottom line is if HMRC conducted a proper audit on you (business and personal bank accounts, cash bill payments etc) can you prove you lost money due to Covid?
If you can then claim if not don't claim, simple.
But loss of money doesn’t mean you qualify.
It’s “adversely effected”.
The wording is meant to be difficult I think. I’m just claiming it and sticking it away in a savings account.
I’ll spend it in 7 years if I’m still around.
;D
Not actually sure if I’m gonna take it to be honest. Probably not.
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Think I’ll take it, straight Into savings.
Was still genuinely adversely effected in June and July, and arguably still am now, albeit only about £70 a month down.
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Pffft. You're wee £7k max grant is peanuts compared to what they are fleecing us for.
https://youtu.be/yKBV6LBvjOg
Stop stressing, get it claimed.
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Pffft. You're wee £7k max grant is peanuts compared to what they are fleecing us for.
https://youtu.be/yKBV6LBvjOg
Stop stressing, get it claimed.
Few years ago when there was lots in the Media about tax dodgers (Amazon/Vodafone/Starbucks etc) the Gov promised to get tough on tax dodgers, and HMRC produced a weekly/monthly name and shame list along with the amount they owe.
https://www.gov.uk/government/publications/publishing-details-of-deliberate-tax-defaulters-pddd/current-list-of-deliberate-tax-defaulters
They're all small fry compared to the large Companies that avoid tax "legally" . Point being its always the smaller easier targets they go after and make example of.
The Gov's friends in high places may well get away with fleecing us. Being paid 80% of your self employed wage for 3 months because someone thought losing a few jobs justifies it is always going to be a hard sell. The bounce back loans are going to be interesting if they don't correlate to a direct investment in the business too and whilst its mooted there is no way they can come back and make you personally liable for the loan amount there is no such guarantee of immunity from a fraud prosecution.
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Being paid 80% of your self employed wage for 3 months because someone thought losing a few jobs justifies it is always going to be a hard sell.
It's literally the point.
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Who said a bounce back loan was for business investment outlet it was to get you through the times ahead pay you’re utility bills wages etc,nothing to do with just putting it back into the business.
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Who said a bounce back loan was for business investment outlet it was to get you through the times ahead pay you’re utility bills wages etc,nothing to do with just putting it back into the business.
Wages for self employed are covered by SEISS grant. Wages for employed are covered by Furlough scheme.
If a "business bounce back loan" does not have to be invested in the business whats it for ? Premium Bonds ?
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Think I’ll take it, straight Into savings.
Was still genuinely adversely effected in June and July, and arguably still am now, albeit only about £70 a month down.
As i understand it this new claim is if you have been affected specifically since 14th July.
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The bounce back loan was there as a safe guard for self employed people that thought they may need it to get through this crisis as I said,it’s a loan it has to be paid back if anyone has any sense and they don’t need it when next year comes round they’ll pay it back.
It’s been good for some people that needed a vehicle loan at 2.5% with nothing to pay for the first year,I can’t remember seeing anything that says it must be spent on the business if it does a few people will be in trouble won’t they.
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Well. Reading the email I got this. Morning
On the second grant. It's exactly the same procedure. For the first grant. Log in to tax return on your online tax account fill form in get the grant paid into your account
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The Government lists are tax defaulters. Nothing to do with Covid, the dates are prior to the claim anyway.
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(http://www.cleanitup.co.uk/smf/1597433534_Screenshot_20200814-203039.png)(http://www.cleanitup.co.uk/smf/1597433535_Screenshot_20200814-203009.png)(http://www.cleanitup.co.uk/smf/1597433535_Screenshot_20200814-203026.png)(http://www.cleanitup.co.uk/smf/1597433535_Screenshot_20200814-203016.png)(http://www.cleanitup.co.uk/smf/1597433535_Screenshot_20200814-202928.png)(http://www.cleanitup.co.uk/smf/1597433535_Screenshot_20200814-202957.png)
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Think I’ll take it, straight Into savings.
Was still genuinely adversely effected in June and July, and arguably still am now, albeit only about £70 a month down.
June doesn't count; nor does a chunk of July.
It's nothing to do with how much money you're down anyway. You need to have stopped working, really.
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Adversely effected will be the beauty industry etc who have only just been able to open. Not window cleaners
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Think I’ll take it, straight Into savings.
Was still genuinely adversely effected in June and July, and arguably still am now, albeit only about £70 a month down.
June doesn't count; nor does a chunk of July.
It's nothing to do with how much money you're down anyway. You need to have stopped working, really.
Last paragraph is untrue.
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Think I’ll take it, straight Into savings.
Was still genuinely adversely effected in June and July, and arguably still am now, albeit only about £70 a month down.
June doesn't count; nor does a chunk of July.
It's nothing to do with how much money you're down anyway. You need to have stopped working, really.
Last paragraph is untrue.
Sentence? How so?
You need to have stopped, temporarily stopped or scaled down.
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Well I for one was affected for the first grant and claimed. Since I started back I’ve lost a few but gained more which surprised me to be fair.
I won’t be claiming the second grant as I’ve not been adversely affected since.
Those claiming the second grant should compare themselves to hairdressers, beauticians etc and then have a think.
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Hairdressers all had at least 10k and more if they’ve multiple shops,furloughed all there workers etc they ain’t done too badly Taxi drivers have been effected far worse.
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Think I’ll take it, straight Into savings.
Was still genuinely adversely effected in June and July, and arguably still am now, albeit only about £70 a month down.
June doesn't count; nor does a chunk of July.
It's nothing to do with how much money you're down anyway. You need to have stopped working, really.
Last paragraph is untrue.
Sentence? How so?
You need to have stopped, temporarily stopped or scaled down.
No. You need to have been adversely affected by Covid 19.
In your examples even they would only count if they were due to being adversely affected by Covid 19.
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Hairdressers all had at least 10k and more if they’ve multiple shops,furloughed all there workers etc they ain’t done too badly Taxi drivers have been effected far worse.
Taxi drivers only earn £12.5 per year though ;)
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Hairdressers all had at least 10k and more if they’ve multiple shops,furloughed all there workers etc they ain’t done too badly Taxi drivers have been effected far worse.
Horse sh!t.
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Think I’ll take it, straight Into savings.
Was still genuinely adversely effected in June and July, and arguably still am now, albeit only about £70 a month down.
June doesn't count; nor does a chunk of July.
It's nothing to do with how much money you're down anyway. You need to have stopped working, really.
Last paragraph is untrue.
Sentence? How so?
You need to have stopped, temporarily stopped or scaled down.
This is the criteria HMRC are using:
The eligibility criteria remain the same as for the first grant. You will need to confirm your business has been adversely affected by coronavirus (COVID-19) at any time since 14 July.
This typically means that your business has experienced lower income and/or higher costs because of coronavirus (COVID-19) at any time since 14 July.
As the person who knows your business best, we expect you to make an honest assessment about whether it has been adversely affected. There is no minimum threshold over which your business’s income or costs need to have changed. You will need to keep a record of evidence of how your business has been adversely affected.
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Think I’ll take it, straight Into savings.
Was still genuinely adversely effected in June and July, and arguably still am now, albeit only about £70 a month down.
June doesn't count; nor does a chunk of July.
It's nothing to do with how much money you're down anyway. You need to have stopped working, really.
Last paragraph is untrue.
Sentence? How so?
You need to have stopped, temporarily stopped or scaled down.
No. You need to have been adversely affected by Covid 19.
In your examples even they would only count if they were due to being adversely affected by Covid 19.
I meant stopped working due to co-vid.
You could, actually, have temporarily stopped working, due to co-vid, and still earned more; that's why it's not based on income. Losing a few jobs, a month, might not constitute being adversely affected.
Conversely, you could gain a load of new work but you could be adversely affected by co-vid.
HMRC don't have a specific definition of 'adversely affected'.
They are only giving examples and that could change.
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Think I’ll take it, straight Into savings.
Was still genuinely adversely effected in June and July, and arguably still am now, albeit only about £70 a month down.
June doesn't count; nor does a chunk of July.
It's nothing to do with how much money you're down anyway. You need to have stopped working, really.
Last paragraph is untrue.
Sentence? How so?
You need to have stopped, temporarily stopped or scaled down.
This is the criteria HMRC are using:
The eligibility criteria remain the same as for the first grant. You will need to confirm your business has been adversely affected by coronavirus (COVID-19) at any time since 14 July.
This typically means that your business has experienced lower income and/or higher costs because of coronavirus (COVID-19) at any time since 14 July.
As the person who knows your business best, we expect you to make an honest assessment about whether it has been adversely affected. There is no minimum threshold over which your business’s income or costs need to have changed. You will need to keep a record of evidence of how your business has been adversely affected.
The key point being how you have lost income due to co-vid.
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I’m sure many people have had people put them off even as we speak they don’t want the window cleaner round that must constitute as being affected,so must having to canvass or leaflet drop to try and get new business.
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I’m sure many people have had people put them off even as we speak they don’t want the window cleaner round that must constitute as being affected,so must having to canvass or leaflet drop to try and get new business.
Not necessarily.
You could get a lot of cancellations without having to stop or scale down work due to co-vid.
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I didn’t think it was income alone I thought it was other factors like being out on hold from customers and having to invest in leafleting etc to generate more work which will cost,there must be people that would have been able to earn 1000s more but haven’t due to being suspended from jobs. I haven’t looked into it at length is it purely down to income alone.
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Each person makes his/her assessment and must make his/her decision whether to claim.
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Each person makes his/her assessment and must make his/her decision whether to claim.
True but it won't be as straightforward as the first and it isn't to compensate for a loss of income. A loss of income could be a result of being adversely affected though.
Proving that you have been 'adversely affected' by coronavirus could be tricky.
There is no definitive definition of 'adversely affected' and it's all a bit vague; intentionally so, I think.
Good luck, to all those that claim. And to those that have said they're not claiming: we're only halfway through August.
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Lots on the news this morning about this. Seems there was roughly 16,000 people overpaid like me. Also, looks like you'll be invited to claim this next grant. You can of course still apply even if you're not invited to. Be interesting to see just how many of us here get "invited" ?
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Lots on the news this morning about this. Seems there was roughly 16,000 people overpaid like me. Also, looks like you'll be invited to claim this next grant. You can of course still apply even if you're not invited to. Be interesting to see just how many of us here get "invited" ?
Yup, and no need to be concerned about paying it back.
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It's for self employed people who are genuinely suffering financially due to covid 19. Not for people who are doing reasonably ok amid this crisis exploiting a grey area and stuffing it in their savings accounts.
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It's for self employed people who are genuinely suffering financially due to covid 19.
Thats not what the Chancellor said.
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It’s to get the economy going. I’m all for that. I helped the tourism industry with my last payment. Next time I’ll pump some into the motor trade.
........ I even gave some to Gardiners 😮
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Lots on the news this morning about this. Seems there was roughly 16,000 people overpaid like me. Also, looks like you'll be invited to claim this next grant. You can of course still apply even if you're not invited to. Be interesting to see just how many of us here get "invited" ?
Well i didn't get an "Invite" with glitter and rainbows printed it on it but i did get an email from HMRC.
Does that count?
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Lots on the news this morning about this. Seems there was roughly 16,000 people overpaid like me. Also, looks like you'll be invited to claim this next grant. You can of course still apply even if you're not invited to. Be interesting to see just how many of us here get "invited" ?
Well i didn't get an "Invite" with glitter and rainbows printed it on it but i did get an email from HMRC.
Does that count?
I got email invite too;
(http://www.cleanitup.co.uk/smf/1597730967_invite.png)
What type of invite where you expecting Andy, some type of RSVP thing ?
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I just got my invitation ;D
This time around I will be looking at my turnover closely and wait for very near deadline date to apply .
Off the top of my head though I don’t see that it would be in my best interest to go for the second one !
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It says on the email if you have been affected by Covid in any way large or small then apply. I've lost a few commercial jobs and a few elderly customers who were shielding but I've also gained a few too. I applied yesterday and was successful just waiting for payment to come into my bank now.
Also no one knows what may happen in the months ahead as people lose their jobs because their furlough has ended etc.
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Just claimed today. Checked my records and since July 14th lost £857 of work from cancellations and gained with new customers £155. Legitimate claim I think.
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Just claimed today. Checked my records and since July 14th lost £857 of work from cancellations and gained with new customers £155. Legitimate claim I think.
Absolutely legitimate.
I’ve a similar set of figures. My accountant told me every single self employed person he knows took the first grant, he expects the same for this final grant. Regardless of how big or small their loss was.
The fact of the matter is, if you have lost work due to the pandemic, you can legitimately claim.
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Hypothetically,
Say you lost £1000 over this second period and you can claim £2000 with the grant, (and you do), is this not border line fraud?
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This typically means that your business has experienced lower income and/or higher costs because of coronavirus (COVID-19) at any time since 14 July.
As the person who knows your business best, we expect you to make an honest assessment about whether it has been adversely affected. There is no minimum threshold over which your business’s income or costs need to have changed. You will need to keep a record of evidence of how your business has been adversely affected.
"There is no minimum threshold over which your business’s income or costs need to have changed."
In my book that means if you spend as little as £1 more on what you would normally purchase in pursuit of your business due to prices increasing because of covid then your eligible to claim.
If you lose any job due no matter how small due to covid then your eligible to claim.
Just make sure you keep receipts and job records.
Oh and make sure your accounts for the last 6 years are ready to hand
:-*
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Hypothetically,
Say you lost £1000 over this second period and you can claim £2000 with the grant, (and you do), is this not border line fraud?
no. you don't choose the amount you receive. nothing fraudulent as long as you have genuinely been effected.
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I asked the question the other day when on the phone to HMRC on another subject. They said this second grant is a lot more strict.
If you are taking the second grant and your turnover ends up higher (including the first grant added to the total) than your last three years average, you will be flagged. So the way I see it id you have not more than 3 months off, you should not claim the second.
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Hypothetically,
Say you lost £1000 over this second period and you can claim £2000 with the grant, (and you do), is this not border line fraud?
Lol.
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I’ve had to buy two facemasks already this week.
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This is a tough call.
I’m around £400 down on June and July when compared to last year. Adversely afeected?
I’m up on the year to date though, because of the last grant.
Not decided as yet.
Tony
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Would picking up loads more work because people are working from home due to covid mean you’ve been adversely affected? It’s another way of thinking about it 👍
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This is a tough call.
I’m around £400 down on June and July when compared to last year. Adversely afeected?
I’m up on the year to date though, because of the last grant.
Not decided as yet.
Tony
June and 13 days of July are not counted.
You need to be adversely affected on or after the 14th of July.
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mine's in the bank👍👍
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I asked the question the other day when on the phone to HMRC on another subject. They said this second grant is a lot more strict.
If you are taking the second grant and your turnover ends up higher (including the first grant added to the total) than your last three years average, you will be flagged. So the way I see it id you have not more than 3 months off, you should not claim the second.
Didn't say anything like that to me or in the hmrc webinar I joined.
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I asked the question the other day when on the phone to HMRC on another subject. They said this second grant is a lot more strict.
If you are taking the second grant and your turnover ends up higher (including the first grant added to the total) than your last three years average, you will be flagged. So the way I see it id you have not more than 3 months off, you should not claim the second.
Didn't say anything like that to me or in the hmrc webinar I joined.
I think what you meant to say was:
(http://www.cleanitup.co.uk/smf/1598004412_did-ye-aye.jpg)
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An oversimplification but it's not about money/income.
It never was (well, not since May).
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Spoke to someone today who has claimed said it was same process as last time, was not a lot stricter as someone posted earlier, told him payment would be made in 3 days as was previously
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Spoke to someone today who has claimed said it was same process as last time, was not a lot stricter as someone posted earlier, told him payment would be made in 3 days as was previously
The conditions are stricter. And I reckon any follow up will be.
Be prepared, that's all.
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All you greedy numptys taking a grant when you don't need it are just f***ing up the economy even more for everyone to repay for years to come.
I wish I could get it ;D
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I'm not eligible for the grant due to being a Director of a ltd company and being paid mainly in Dividends. My brother is self employed but morally couldn't bring himself to claim the first grant and just isn't interested. He was just happy to be able to keep working.
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Spoke to someone today who has claimed said it was same process as last time, was not a lot stricter as someone posted earlier, told him payment would be made in 3 days as was previously
Have you gone through the process then Griff as you seem very convinced it is and he said it was wasn't and he has done ut
The conditions are stricter. And I reckon any follow up will be.
Be prepared, that's all.
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It's not more strict at all, it even tells you there's no minimum amount you have to be affected by. If you claimed the first one then there's about 4 boxes to tick, it takes about 60 seconds to complete. Did mine Thursday, money in bank this morning.
It's a loose form of quantitative easing IMO.
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All you greedy numptys taking a grant when you don't need it are just f***ing up the economy even more for everyone to repay for years to come.
I wish I could get it ;D
Same. I’d happily take it, if I were eligible. I’ve been adversely effected and am down a few thousand due to Covid, that would be enough for me to morally accept it.
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No chance will I be claiming this time round. I claimed last time due to school contracts being put on hold along with a few other commercial jobs and Residentials. Every thing is now back to normal now, and although a few residential customers are still on hold, I have picked up more than enough work to cover it many times over.
I was invited to claim the grant, however, this time the email made it clear to keep all documentation to prove you have been badly affected. I like to sleep at night. and I have a feeling come next year it will come back to haunt a few.
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Thanks for confirming it isn't stricter winpro as Griff states, when you have been through process and I presume he hasn't
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I think HMRC will be taking a tough line with people they think are taking the p1ss. You may well have to prove to them your income has been adversely and significantly affected.
It is easy to claim the grant now but I would not want to have to justify it at some future time, unless I had clear documented evidence.
I claimed the first grant but will not be claiming the second.
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I’ve already put in for the third.
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Spoke to someone today who has claimed said it was same process as last time, was not a lot stricter as someone posted earlier, told him payment would be made in 3 days as was previously
Have you gone through the process then Griff as you seem very convinced it is and he said it was wasn't and he has done ut
The conditions are stricter. And I reckon any follow up will be.
Be prepared, that's all.
I said the conditions were stricter; meaning whether you were adversely affected or not. They moved the eligibility date for a start.
I haven't been through the claim process and I'm sure it's a Glenn Hoddle but I didn't mean that.
The number of those claiming shows that it is stricter but the actual claiming process shouldn't be a problem.
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No chance will I be claiming this time round. I claimed last time due to school contracts being put on hold along with a few other commercial jobs and Residentials. Every thing is now back to normal now, and although a few residential customers are still on hold, I have picked up more than enough work to cover it many times over.
I was invited to claim the grant, however, this time the email made it clear to keep all documentation to prove you have been badly affected. I like to sleep at night. and I have a feeling come next year it will come back to haunt a few.
I’m sorry but I must have missed that bit, where does it say you have to be badly affected?
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;D ;D
I guess your definition of, 'adversely' is different to mine.
If you're told we will be experiencing adverse weather condition would you expect a shower and a breeze?
If you have lost months worth of income, then yes, claim the second. But I find it hard to believe in our industry anyone as struggled enough to last 6 months of adverse losses, unless of course you have health issues yourself. Thats what it's for, not for funding a new van.
I really think this is going to come back and bite a few people next year. Fair play to those who do actually need it though.
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All the tradesmen I know are stacked with work right up to Christmas
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;D ;D
I guess your definition of, 'adversely' is different to mine.
If you're told we will be experiencing adverse weather condition would you expect a shower and a breeze?
If you have lost months worth of income, then yes, claim the second. But I find it hard to believe in our industry anyone as struggled enough to last 6 months of adverse losses, unless of course you have health issues yourself. Thats what it's for, not for funding a new van.
I really think this is going to come back and bite a few people next year. Fair play to those who do actually need it though.
Exactly. It's not for stuffing in your savings account. It's to help those who are struggling with the day to day. But some are going to spin and twist it because of the vague use of the word "adverse".
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HMRC can't definitively define 'adversely affected' so they've no chance with 'badly affected'. The grant is not specifically for window cleaners, so, again, there's more confusion. They have given a list of examples of being adversely affected but, ultimately, the decision of whether to claim is down to the individual.
If the virus has had a negative affect on your business from the 14th of July, you can claim.
Is your working life different? Have you had to take time off because you were ill, looking after someone, isolating? Have you been doing three days a week instead of four? Has it cost you money eg. PPE, unpaid debt? Staff not turning in?
Only the individual really knows if their business has been changed, negatively, by the virus.
If you can't decide, an accountant might help you to know.
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;D ;D
I guess your definition of, 'adversely' is different to mine.
If you're told we will be experiencing adverse weather condition would you expect a shower and a breeze?
If you have lost months worth of income, then yes, claim the second. But I find it hard to believe in our industry anyone as struggled enough to last 6 months of adverse losses, unless of course you have health issues yourself. Thats what it's for, not for funding a new van.
I really think this is going to come back and bite a few people next year. Fair play to those who do actually need it though.
Exactly. It's not for stuffing in your savings account. It's to help those who are struggling with the day to day. But some are going to spin and twist it because of the vague use of the word "adverse".
To be fair....... it’s the governments vague use of the word that’s the problem.
They could say....... do your books, is your income lower than than previous years? If yes.... your eligible.
They haven’t said that.
In many ways it seems to be a blanket grant to also help the economy. Look at what people are doing with their grants, spending on new equipment, putting it to the side for their tax bills.
I think the government have been vague for a reason.
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Its Vague for a reason, that is so they can turn around in a year and try and get it all back off you if needed.
Same reason why they were vague about the can/cant go to work thing, cover their arses if it all went tits up.... Well we told you not to work ::)roll
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Your pis$y little grant is naff all.
Claim it and get on with your life.
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As winproclean states... go through the steps to claim and reduced income due to Covid is certainly shown as a reason you may claim.
They ask you to keep records.
My guess (as opposed to the unhelpful assertions made by some on here) is that when you present your year end figures they may have a box asking you to explain what the adverse affects were for you.
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As winproclean states... go through the steps to claim and reduced income due to Covid is certainly shown as a reason you may claim.
They ask you to keep records.
My guess (as opposed to the unhelpful assertions made by some on here) is that when you present your year end figures they may have a box asking you to explain what the adverse affects were for you.
What? On your self assessment you mean?
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As winproclean states... go through the steps to claim and reduced income due to Covid is certainly shown as a reason you may claim.
They ask you to keep records.
My guess (as opposed to the unhelpful assertions made by some on here) is that when you present your year end figures they may have a box asking you to explain what the adverse affects were for you.
How would they know that you'd been adversely affected?
Reduced income certainly is a reason to claim but the correct reasons, imo, are why you have reduced income because of co-vid.
I've said it before, but you could have had an increase in income but you could still be entitled to claim.
From early May, it had nothing to do with income or figures. But your income or figures could be an indicator that you were adversely affected.
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Soupy. I preface my comments with the 'my guess'. So when I present my return then it would not surprise me if I need to explain how I was affected.
Griff. When you go through the steps to claim, reduced income and/or increased costs due to Covid are highlighted as 'typical' reasons to claim.
It also highlights that you should keep records of this/these. Therefore my guess that we may be asked for evidence when we send our 2020/2021 return.
I guess further that a trigger maybe if our income plus the grant(s) is higher than the the last three year average then HMRC may well ask for this or even a deeper explanation.
Galatians 6 v 5. ;D
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I recon on our tax return we will all have to show how we were adversely effected if we claim the grant.
Hence being asked to keep records.
I locked down at the begining as my wife was suspected of having covid.
I had commercial work and internal work on hold for quite a period.
This prompted me to claim first grant.
I thought my income would be drastically effected but it has not been.
My only come back is work which was on hold is income lost. My view...I was adversely effected.
However, will hmrc see it that way?
Might just speak to someone in there department about it.
Bet they will be vague and non comital 🤔
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They will look- if they do look- at income lost as time off work and not figures. A cancelled contract would be an exception.
I'd be more concerned about the dates that you couldn't work than the value of jobs on hold. If you lost a days work, a month, due to co-vid, make a note of the day(s) that you couldn't work.
It's not really about pounds and pence.
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Thankfully my Wife has a letter from her work confirming dates and also that suspected covid was the reason....
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Its Vague for a reason, that is so they can turn around in a year and try and get it all back off you if needed.
I'm not sure I'm really understanding that logic. If that were the reason, why give money out without stricter eligibility rules in first place.?
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The reality is no one knows, I think there is a lot of Scare mongering going on
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The reality is no one knows, I think there is a lot of Scare mongering going on
Me too.
HMRC barely has the capacity to hand the money out, never mind claw it back in!
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Thankfully my Wife has a letter from her work confirming dates and also that suspected covid was the reason....
For the second one?
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The reality is no one knows, I think there is a lot of Scare mongering going on
Me too.
HMRC barely has the capacity to hand the money out, never mind claw it back in!
And they've little chance of assessing whether people have been adversely affected in monetary terms.
That's why they're not doing it.
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First one Grif.
Not claiming second.
Most work which was on hold is now back on.
Am now doing a, 'wait and see what happens next,' approach to see if I claim second..
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First one Grif.
Not claiming second.
Most work which was on hold is now back on.
Am now doing a, 'wait and see what happens next,' approach to see if I claim second..
I don't think there'll be any comebacks on the first one, Rob.
Have you not had childcare problems for the second one?
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All grown up...
On grandchildren now 😁
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Okay; yet again let's look at what the dotGOV website says. Here you go - cut and pasted.
Adversely affected is typically when your business has experienced lower income or higher costs due to coronavirus.
HMRC expects you to make an honest assessment about whether your business has been adversely affected. There is no minimum threshold over which your business’ income or costs need to have changed.
If you make a claim for the Self-Employment Income Support Scheme grant you’ll have to:
keep records of how and when your business has been adversely affected
confirm to HMRC that your business has been adversely affected by coronavirus
And here's what the site says about the records you need to keep.
You should keep any evidence that your business has been adversely affected by coronavirus at the time you made your claim, such as:
business accounts showing a reduction in turnover or increase in expenditure
confirmation of any coronavirus-related business loans you have received
dates your business had to close due to lockdown restrictions
dates you or your staff were unable to work due to coronavirus symptoms, shielding or caring responsibilities
Published 17 August 2020
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Okay; yet again let's look at what the dotGOV website says. Here you go - cut and pasted.
Adversely affected is typically when your business has experienced lower income or higher costs due to coronavirus.
HMRC expects you to make an honest assessment about whether your business has been adversely affected. There is no minimum threshold over which your business’ income or costs need to have changed.
If you make a claim for the Self-Employment Income Support Scheme grant you’ll have to:
keep records of how and when your business has been adversely affected
confirm to HMRC that your business has been adversely affected by coronavirus
And here's what the site says about the records you need to keep.
You should keep any evidence that your business has been adversely affected by coronavirus at the time you made your claim, such as:
business accounts showing a reduction in turnover or increase in expenditure
confirmation of any coronavirus-related business loans you have received
dates your business had to close due to lockdown restrictions
dates you or your staff were unable to work due to coronavirus symptoms, shielding or caring responsibilities
Published 17 August 2020
How do you show a reduction in turnover because of co-vid?
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Reduction in turnover for the 2nd grant? Everyone’s jam packed with worked since lockdown finished
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More to the point how can you justify the second grant if you have not had a significant reduction in turnover. The onus will be on us to prove/justify ourselves to HMRC.
It should be relatively easy for HMRC to come after the self employed who do not provide what is deemed a reasonable level of proof their income has suffered significantly.
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The reality is no one knows, I think there is a lot of Scare mongering going on
Me too.
HMRC barely has the capacity to hand the money out, never mind claw it back in!
And they've little chance of assessing whether people have been adversely affected in monetary terms.
That's why they're not doing it.
They will simply judge it on income/profit. The onus is on us to provide whatever proof the HMRC deem reasonable to justify the second grant.
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The reality is no one knows, I think there is a lot of Scare mongering going on
Me too.
HMRC barely has the capacity to hand the money out, never mind claw it back in!
And they've little chance of assessing whether people have been adversely affected in monetary terms.
That's why they're not doing it.
They will simply judge it on income/profit. The onus is on us to provide whatever proof the HMRC deem reasonable to justify the second grant.
No, they won't.
I'll say it again, you could have an increase in income/profit and still be entitled to the grant. The reasons for the affects on income/profit are what the onus is on.
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The reality is no one knows, I think there is a lot of Scare mongering going on
Me too.
HMRC barely has the capacity to hand the money out, never mind claw it back in!
And they've little chance of assessing whether people have been adversely affected in monetary terms.
That's why they're not doing it.
They will simply judge it on income/profit. The onus is on us to provide whatever proof the HMRC deem reasonable to justify the second grant.
No, they won't.
I'll say it again, you could have an increase in income/profit and still be entitled to the grant. The reasons for the affects on income/profit are what the onus is on.
The quote from Hmrc shows ‘a reduction in turnover’ not increase
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The reality is no one knows, I think there is a lot of Scare mongering going on
Me too.
HMRC barely has the capacity to hand the money out, never mind claw it back in!
And they've little chance of assessing whether people have been adversely affected in monetary terms.
That's why they're not doing it.
They will simply judge it on income/profit. The onus is on us to provide whatever proof the HMRC deem reasonable to justify the second grant.
No, they won't.
I'll say it again, you could have an increase in income/profit and still be entitled to the grant. The reasons for the affects on income/profit are what the onus is on.
The quote from Hmrc shows ‘a reduction in turnover’ not increase
But you don't have to have had a reduction in turnover to claim it. You could have had an increase in turnover and be eligible to claim it.
It's not about how your income has been affected but how you have been affected. But an affect on you could affect your income.
Simple, eh? ;D.
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I’m with Griff on this one, there will be many reasons why you could show a bigger turnover than the previous year but still be able to prove that your business has been adversely affected by Coronavirus.
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Get it claimed and move on.
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I’m with Griff on this one, there will be many reasons why you could show a bigger turnover than the previous year but still be able to prove that your business has been adversely affected by Coronavirus.
Correct.
We're window cleaners. There are lots of variables to turnover and what defines our turnover? They are basing it on our last three years earnings. There could be massive differences in those years. And when the period of the claim is so short- 14th of July 'til the end of August it's difficult to ascertain what your turnover could have been; considering weather and holidays, too.
It's almost impossible for HMRC to use income to determine whether the self employed have been adversely affected by the virus or not.
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I think you're just trying to convince yourselves, but go for it if you think your correct.
The Furlough scheme is already raising suspicion of fraud. It won't be long before they move to the self employed, which will anger the tax payer.
I read somewhere bank statements may be asked to support you claim in the next tax return to prove your quarters takings have dropped adversly.
https://www.express.co.uk/finance/personalfinance/1326420/furlough-scheme-claim-hmrc-penalty-fraud-rules
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I think you're just trying to convince yourselves, but go for it if you think your correct.
The Furlough scheme is already raising suspicion of fraud. It won't be long before they move to the self employed, which will anger the tax payer.
I read somewhere bank statements may be asked to support you claim in the next tax return to prove your quarters takings have dropped adversly.
https://www.express.co.uk/finance/personalfinance/1326420/furlough-scheme-claim-hmrc-penalty-fraud-rules
Quarters takings?
The period for the second grant is the 14th of July to the 31st of August. About seven weeks. A gap in that seven weeks might not be enough for a drop in a quarters takings. And how do you define a quarters takings? A quarter from 2016 might be different from a quarter in 2018. A winter's quarter or a summer's quarter? A quarter when a plumber is in work or a quarter when he/she wasn't in work?
And and what about the seven weeks that we're not allowed to claim for? Say you spent the whole of June in bed with co-vid but that doesn't count.
It's doesn't depend on earnings.
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I think you're just trying to convince yourselves, but go for it if you think your correct.
The Furlough scheme is already raising suspicion of fraud. It won't be long before they move to the self employed, which will anger the tax payer.
I read somewhere bank statements may be asked to support you claim in the next tax return to prove your quarters takings have dropped adversly.
https://www.express.co.uk/finance/personalfinance/1326420/furlough-scheme-claim-hmrc-penalty-fraud-rules
Do not, I repeat DO NOT get tax advice from the daily express. Their tax advice skills are akin to their long range weather reporting, sensationalist nonsense.
While we're at it, don't get your tax advice from a bunch of window cleaners on the internet whom you've never met.
Get it claimed, if they make you pay it back, they make you pay it back.
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Griff the What If.
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Okay okay, that's my point.
No point debating the definition of a quarter. That's not the issue. The information provided by HMRC is very clear to me. Maybe it's worth getting advice if you don't understand it.
As I have said before, claim if you like, it's your responsibility not mine.
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Griff the What If.
Ad hom, Malc?
I'm just giving examples of how the grant isn't dependent on income or quarters and how difficult it would be for HMRC if it were. You're almost there in getting why you could claim the grant but you're going on about revenue. If that's cancelled commercial contracts, fair enough.
And I'm surprised at how many window cleaners said that they weren't claiming it before the grant even opened or before it's even closed.
I'm sure most claimants will get it but don't rely on saying that you didn't earn as much as you did in a seven week period, last year ;D.
Be prepared and don't worry about it too much, chaps :).
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Griff the What If.
Ad hom, Malc?
I'm just giving examples of how the grant isn't dependent on income or quarters and how difficult it would be for HMRC if it were. You're almost there in getting why you could claim the grant but you're going on about revenue. If that's cancelled commercial contracts, fair enough.
And I'm surprised at how many window cleaners said that they weren't claiming it before the grant even opened or before it's even closed.
I'm sure most claimants will get it but don't rely on saying that you didn't earn as much as you did in a seven week period, last year ;D.
Be prepared and don't worry about it too much, chaps :).
Do you have some inside info Griff or is all this just your own interpretation?
It’s just, you’re putting your point across so vehemently whilst dismissing any opposing view so quickly that I can only assume you know something everyone else doesn’t?
I’ve no interest in claiming any second grant, just an observation from just reading the last few pages.
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Hey all. I, like a lot on here was unsure of wether to claim the 2nd. Claimed the first cos we didn’t work for 6 weeks - so that was easy.
As for the second. I looked at my normal income before the pandemic lockdown in the period from Jan to March of this year.
When we compared that to our income from July 14th and the next six weeks to end of August, I personally am over £850 down. We have found that a lot of our customers are furloughed so are on less money, some have lost their jobs , so we are going round on an eight week period rather than our normal 6 weeks.
People have appreciated that and are keeping us rather than stopping us.
I spoke to my accountant and told him about my figs. He said “I don’t say this lightly but you should claim the second Grant as your income is down and you can prove it” he had told other clients they should not claim it for good reason.
He said that remember you will give back 20% plus 9% NI on the grant in any case.
I asked but what if work picks up and I go back to normal 6 weeks, the grant will show that my income is more than last year. He said as long as your figs support that your normal income was lower from 14 July to what you would normally earn then don’t worry.
Hope this helps some to make a decision, as there seems to be a lot of confusion. I’ve had this accountant for 28 years and has always given me the best advice. Over the years I’ve asked about somethings - can I claim for this and that as expenses and he gives it to me straight yes and no - so I trust this guy for advice.
Cheers
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Griff the What If.
Ad hom, Malc?
I'm just giving examples of how the grant isn't dependent on income or quarters and how difficult it would be for HMRC if it were. You're almost there in getting why you could claim the grant but you're going on about revenue. If that's cancelled commercial contracts, fair enough.
And I'm surprised at how many window cleaners said that they weren't claiming it before the grant even opened or before it's even closed.
I'm sure most claimants will get it but don't rely on saying that you didn't earn as much as you did in a seven week period, last year ;D.
Be prepared and don't worry about it too much, chaps :).
Do you have some inside info Griff or is all this just your own interpretation?
It’s just, you’re putting your point across so vehemently whilst dismissing any opposing view so quickly that I can only assume you know something everyone else doesn’t?
I’ve no interest in claiming any second grant, just an observation from just reading the last few pages.
No, no inside information, Don.
But I've read through the links and I've kept an eye on accountancy web page. I don't mean to be dismissive- but I probably am, apologies for that- but there's a lot of misinformation on the forum, imo.
I can only give my opinion and I'm only trying to help others. There's a lot of working class guilt on the thread- as with the first- and I don't want anyone to pass up their rightful opportunity to claim or for anyone to pay something back because they see it as too good to be true. You know I'm a loony lefty but I'll step back from the thread unless someone asks me a question directly.
:)
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Good idea Griff; you seem emotionally invested in this. Sorry if my 'What If' joke offended.
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(http://www.cleanitup.co.uk/smf/1598294931_7CA73DDD-FA6B-460F-A813-3210690545E1.gif)
Benefit scroungers or what
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No, no inside information, Don.
But I've read through the links and I've kept an eye on accountancy web page. I don't mean to be dismissive- but I probably am, apologies for that- but there's a lot of misinformation on the forum, imo.
I can only give my opinion and I'm only trying to help others. There's a lot of working class guilt on the thread- as with the first- and I don't want anyone to pass up their rightful opportunity to claim or for anyone to pay something back because they see it as too good to be true. You know I'm a loony lefty but I'll step back from the thread unless someone asks me a question directly.
:)
Fair one mate; you could well be right, it’s just that you seem quite invested in this...
Agree with you 100% about the misinformation mate, unfortunately it can also be easy to get dragged down with the “shouty” bunch that post opinion veiled as fact...I know, I’ve done it ;D
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Hey all. I, like a lot on here was unsure of wether to claim the 2nd. Claimed the first cos we didn’t work for 6 weeks - so that was easy.
As for the second. I looked at my normal income before the pandemic lockdown in the period from Jan to March of this year.
When we compared that to our income from July 14th and the next six weeks to end of August, I personally am over £850 down. We have found that a lot of our customers are furloughed so are on less money, some have lost their jobs , so we are going round on an eight week period rather than our normal 6 weeks.
People have appreciated that and are keeping us rather than stopping us.
I spoke to my accountant and told him about my figs. He said “I don’t say this lightly but you should claim the second Grant as your income is down and you can prove it” he had told other clients they should not claim it for good reason.
He said that remember you will give back 20% plus 9% NI on the grant in any case.
I asked but what if work picks up and I go back to normal 6 weeks, the grant will show that my income is more than last year. He said as long as your figs support that your normal income was lower from 14 July to what you would normally earn then don’t worry.
Hope this helps some to make a decision, as there seems to be a lot of confusion. I’ve had this accountant for 28 years and has always given me the best advice. Over the years I’ve asked about somethings - can I claim for this and that as expenses and he gives it to me straight yes and no - so I trust this guy for advice.
Cheers
My accountant said something similiar and to "Claim the grant"
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(http://www.cleanitup.co.uk/smf/1598421102_4E108BFC-7022-422E-95B1-2E254D8C0BA4.png)
If you don’t fit into one of these categories then don’t claim
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So we are now hearing of a second wave may be on its way with winter coming. and covid-19 is creeping up again. this will affect me with my wife being ill
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So we are now hearing of a second wave may be on its way with winter coming. and covid-19 is creeping up again. this will affect me with my wife being ill
Why will it?you can go to work if your a sole trader window cleaner even if we have another lockdown....
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Winter has nothing to do with the grant
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So we are now hearing of a second wave may be on its way with winter coming. and covid-19 is creeping up again. this will affect me with my wife being ill
Why will it?you can go to work if your a sole trader window cleaner even if we have another lockdown....
Yeah, go out, drag the virus back to your poorly Mrs.
No worries.
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So we are now hearing of a second wave may be on its way with winter coming. and covid-19 is creeping up again. this will affect me with my wife being ill
Why will it?you can go to work if your a sole trader window cleaner even if we have another lockdown....
Yeah, go out, drag the virus back to your poorly Mrs.
No worries.
If you work outside on your own and keep away from customers there is very little risk at all...its not as if he s working in a supermarket....
People in very low risk jobs like ours have got to stop thinking they are entitled to a handout off the government every time theres a spike..... ::)roll
It's wrong IMO.....
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So we are now hearing of a second wave may be on its way with winter coming. and covid-19 is creeping up again. this will affect me with my wife being ill
Why will it?you can go to work if your a sole trader window cleaner even if we have another lockdown....
Yeah, go out, drag the virus back to your poorly Mrs.
No worries.
If you work outside on your own and keep away from customers there is very little risk at all...its not as if he s working in a supermarket....
People in very low risk jobs like ours have got to stop thinking they are entitled to a handout off the government every time theres a spike..... ::)roll
It's wrong IMO.....
Where did he say anything about a government handout?
Truth is we'll all be paying this back for many years to come, whether window cleaners claim it or not.
If I could claim it I wouldn't even give it a second thought.
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So we are now hearing of a second wave may be on its way with winter coming. and covid-19 is creeping up again. this will affect me with my wife being ill
Why will it?you can go to work if your a sole trader window cleaner even if we have another lockdown....
Not if your customers don't want you there.
I didn't mention the 'g' word :-X.
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For anyone feeling remotely uncomfortable claiming the second grant, I suggest you watch an episode of 'The Yorkshire Job Center'. You will probably have the form filled in and submitted before the episode has finished!! Then you will realise that your claim is equivalent to an atom in the Atlantic ocean. After which, when the penny drops that you are actually carrying these people, and have been for years, you will realise that you actually 'deserve' the grant, yep, you've earned it... and more!!
The entitled dregs of society feel absolutely zero shame in taking your taxes, and never will do!👍
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For anyone feeling remotely uncomfortable claiming the second grant, I suggest you watch an episode of 'The Yorkshire Job Center'. You will probably have the form filled in and submitted before the episode has finished!! Then you will realise that your claim is equivalent to an atom in the Atlantic ocean. After which, when the penny drops that you are actually carrying these people, and have been for years, you will realise that you actually 'deserve' the grant, yep, you've earned it... and more!!
The entitled dregs of society feel absolutely zero shame in taking your taxes, and never will do!👍
It is nothing to do with that though is it.
It simply comes down to whether you fit fit the criteria outlined by HMRC.
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The only thing people have to be mindful of is that they may question is why you say you needed the grant therefore don’t go out buying stupid things maybe just leave the money you’ve claimed alone,it makes no difference what anyone says no one knows what’ll happen between now and 18 months time 👍
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For anyone feeling remotely uncomfortable claiming the second grant, I suggest you watch an episode of 'The Yorkshire Job Center'. You will probably have the form filled in and submitted before the episode has finished!! Then you will realise that your claim is equivalent to an atom in the Atlantic ocean. After which, when the penny drops that you are actually carrying these people, and have been for years, you will realise that you actually 'deserve' the grant, yep, you've earned it... and more!!
The entitled dregs of society feel absolutely zero shame in taking your taxes, and never will do!👍
It is nothing to do with that though is it.
It simply comes down to whether you fit fit the criteria outlined by HMRC.
Emotionally I do have to fight the feeling of "I've paid in all my life, have reached full 'stamp' and am now paying extra - also the feeling of they've raised the pension age - also they've raised my wife's pension age - and so I feel some entitlement"
However I have claimed both grants strictly upon what I believe the criteria to be. My wife has claimed grant one but not grant two and I agree with her assessment of her circumstances. It did fleetingly cross my mind to not claim grant two because I could get by without it and help out the country; but I felt that emotion and dismissed it too.
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I cant make my mind up , wether to go for it or not . The wife says get it , the extra 7 k will go towards upgrading her Mercedes c class . She loves the one she has but her mate , they go out 3 times a week for dinner (Yorkshire for eating about 12ish ) and shopping round leeds and Wakefield, has just got a new audi . So she can’t be outgunned. But I have put my foot down . Gunna revamp the loft, electric doors , automatic feeders , heated perches , . What I have always promised myself if I win the lottery . The ultimate cat killer , with sliding doors straight into the ferret pen .
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Sounds like I’m in the same boat as many others.Was umming and ahhing about going for the second one but when the “confirm” button was staring at me I went for it.Although I’m still earning my income has without doubt been affected adversely because of all the commercials I’ve temporarily lost and customers saying “can we leave it for now”.All of which I can provide proof for.Too good an opportunity to turn down and as others have said I’ll put it away for the time being on the chance that some of it will be clawed back somewhere down the line.
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So strange , my income has gone through the roof for me since lockdown finished . Im really struggling to fit jobs in now