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  1. I’ve just been offered and agreed to take on some consultancy work by a local consortium. I’m currently working full-time in the NHS and this work, whilst linked, will be done in my own time (evenings / weekends). I’m wondering about the best way to separate and deal with the additional income which could be perhaps an additional £10k per year. I’ve looked, albeit very briefly, into creating a sole-trader company so that I can have a separate bank account and entity from my otherwise full-time PAYE income. So, what’s the best way to ensure I don’t get myself into a mire with the HMRC?
  2. Hello, I`m self employed, I work most of the time for a company in suffolk ( i live in london ) I drive up to suffolk to collect their van ( i get no renumeration for doing this, no fuel expenses, I dont even get paid for the day i spend driving up to suffolk) I travel the country selling their products at shows & events. The van stays with me for 75% of the year & they pay the fuel I invoice on a weekly basis per show I am considered by them to be A Sub Contractor I pay my own NI & Tax According to their Risk Assessment all employees need to have Manual Handling BUT I`m not an employee Am i obliged to do this course ?
  3. Hello Guys I hope you can help me. In June I started working for an Accountant on a self employed basis. Each week I would send over my hours/invoice, he would raise an invoice to client and once it was paid, so would I be. The problem arose due to the fact that this Accountant is the most obnoxious, patronising and rude person I have ever had the misfortune to meet. Not only did he continually harass me by bombarding me with text messages, emails etc. He was also always rude to the client which put me in a difficult position. I work for other accountants quite happily and they did not want half the stuff that he kept asking me for. In the end I told him by email that I would not sign his contract and that once it finished (when the Director who signed it left in November) I did not want to work with him anymore. I was approached by the actual owner of the Company who said that he would like me work with the new director and on his other companies on a self employed basis directly. The other accountant was informed and has threatened them with legal action of a "finders fee" on 15% up to 35K or 17.50% over 35K. My understanding was that finders fees were only due if someone was taken on in "employment". Also I have looked at the Companies Contract with him (which I have attached) and it does not say anything in their contract regarding a finders fee. I have also attached a copy of my contract which I told him I would not sign and although it mentions a "possible" finders fee in my contract, surely it would have to mention that also in the Company contract. This chap is threatening legal action and I getting quite stressed out. Can someone please have a look and let me know if he has a leg to stand on. Many thanks
  4. Hi Ladies and Gents Yesterday I started a new part time job and ceased with my Self Employed status. I filled out the HMRC for and received confirmation last night they had received it with a confirmation number. Now I tried to get through to HMRC today, after going through the gate keeping questions it requires me to have PAYE reference and payroll number. I don't have a payroll number yet till next week. Can I still give them all the other details they require omitting the payroll number giving them next week. I just wondered if the ceasation of Self Employed would stop my Working Tax element for next weeks payment on a Thursday. Is one section quick enough to inform the other. I am hoping my working tax will not stop or I will not be able to pay my rent on the second of November.
  5. I have been working as a self-employed mortgage broker until I resigned in July 2015. I signed a service contract with the company and commission was to be paid at the end of each month on a 50% split basis i.e. I get 50% of the commission for all business I write. Business has been very slow and in August 2014, the company incorporated under an umbrella company who took on most of our compliance. The director told me that the commission split would change to 35% for the first £3,000 of business written and 65% thereafter. This was apparently done to reward hitting higher targets. This was never confirmed in writing, only verbally. I left in July and got a commission statement at the end of July, although no commission was due. The contract says we will continue to receive commission for 3 months after we leave, so I expect a commission statement at the end of August, but nothing! No commission, no statement - I have chased it 4 times and still nothing! It turns out another colleague who left in July is having the same problem, so after making contact with 3 others who left in the last year, it appears this is a common theme! I have asked the umbrella company to provide me with a list of all commissions due for business I have written and dates it was paid to the original company so that I can piece together exactly what is due. I would like advice on several areas here, as I believe I am owed £4k-£6k: 1. Should I send a subject access request to both companies to get the info? 2. Should I report this to the FCA because this is a regulated company and the guy that runs it is supposedly "fit and proper"? 3. As it appears there has been a deliberate attempt to defraud employees over an extended period of time, what other legal options do I have. Many thanks, D
  6. Hi folks, I really, really hope someone can help me out here. I have been self-employed for 4 or so years but I wasn't registered as self-employed until recently and I am still waiting on my UTR. Since I first became self-employed I have been claiming Working Tax Credit, I recently stopped my claim. Since the start of being self-employed, I have been earning nothing more than a few thousand per year so I have no outstanding taxes to pay. However, my problem is with my Working Tax Credit claim. I recently had a letter asking for evidence for my claim, including my UTR. I am still waiting to receive my UTR. Now I am not sure if not having a UTR is going to affect my Working Tax Credit claim. I know since this April having a UTR prior to making a claim became mandatory but I do not know if this is back-dated? I know I have been very stupid - I am in the process of sorting all my affairs out but I don't know if I am going to be in trouble as a result of this or not. Can they ask me to repay 4 years WTC on the basis I was not registered as self-employed? Any advice greatly appreciated!
  7. My son who is a student has been working for a pub a couple of nights a week (cash in hand) His employer told the staff last night that they are now "self employed". Shouldnt he have to sign a contract or something to this effect and how does he go about informing HMRC many thanks
  8. Hi. 3 yrs now I have been self employed & claiming top up benefits. Which are based on me earning £100 per week profit from my work. My 20 yr old son just left college & started working at Fujitsu. 18 yr old daughter has been at college & will be there another 2 yrs. Housing benefit has now gone down to £2 per week. Soooooo I am hoping I can sack them off completely & pull out all the stops to earn more from my self employment. What's confused me is I have been on the Turn2us benefit calculator & it's saying I will still get the same working & child tax credits as I do now, even if I earn up to £250 a week profit, so far anyway... I haven't tested out a higher figure than that yet. Is that right? I thought the more you earned, the less tax credits you got??
  9. When I was at Ingeus a few years ago my adviser there signed me up for Self Employed agianst my will. She said 'you don't have to do anything until you go self employed'. For some months now I have tried to tell HMRC that I am NOT self employed and that I am signing on at my Job Centre. When I got a letter there was a form on the other side, I filled that in telling them that I am signing on and never was self employed. They never got back to me, they sent out several letters demanding money. My Dad phoned back and they gave him a number, he rang that number and waited 40 minutes and gave up. He tried again today and 40 minutes with no one answering. I am at my wits end as to what to do. What I am going to do is write them a complaint telling them that I am not self employed. I can't find an email address and writing them is my only choice as they refuse to anser our calls.
  10. Hi everyone, Can anyone help me to quote the right legislation to the Employment Tribunal? I am asking the ET to confirm that I should be administered as an employee rather than self employed. I am paid the same rate per hour as the employees but they get statutory holiday pay and SSP. We all do the same job and report to the same manager. The only difference is the way we are paid. Would there be some claim under the equal pay provisions? I would like the ET to confirm that I am an employee and I would really like backdated holiday pay! Can I claim that and if so can I claim it from the start of my self employment with them? Very many thanks!
  11. Firstly, thanks for any help/advice in advance! I've been working as a lighting tech (theatre, corporate events, music events - self employed) for 20 years. Last year, at the age of 49 I started to suffer with arthritis in my knees. This means that, whilst I can no longer do 10-22 hour shifts entailing heavy lifting, carrying 18+kg up ladders and suchlike - I am not disabled "enough" to get any sort of disability benefits. I have been applying for more managerial positions with no luck. Apparently this amount of experience doesn't count for much! So i've also started to apply for pretty much anything with no joy so far.. My work has gradually tailed off until now I need some help. I have always paid class 2 contributions. My questions are: I THINK I'm entitled to income based JSA and HB, am I right? I really need some help in re-writing my cv - can I get this through the Job Centre? Should I visit my doctor and get some evidence for the arthritis, will they try and force me into a heavy manual labour job? I have the first interview on Wednesday and I'm pretty apprehensive! Any advice much appreciated..
  12. Yes everyone my family has a lot of bad luck. I never mentioned this before because I forgot. About two years ago my adviser at Ingeus put me on self employed, because I found a leaflet job. Which I never went for because I didn't know how to do the self tax thing. Last year I got a letter asking for £30, I phoned back up and said 'I am not self employed my adviser did this for me'. He said it was OK and everything would be sorted, well it wasn't. Last week I receieved another letter now asking for £100, my dad said instead of phoning them we can send the letter attatched and I filled out the form, saying I hadn't worked in over 5 years and have been actively seeking work with the help of the Job Centre. Two days ago I got another letter now asking for the £100 and no reply to my form. I will call them and explain the situation, when I see my adviser at JC can I bring in the Self Tax letter asking for the money? I don't know what to do, what happens if it's not solved?
  13. Hi I currently have a car which i use for personal and business use, this is my only vehicle. I am replacing this car with a sign written business van, again i will also be using it for personal use. I am borrowing the money for the van. Can you tell me how i put this through the books, do i put the loan through and the cost of the vehicle or not? Do i still work purely on the mileage allowance of 45p per mile that i use for business? Appreciated, thanks
  14. Hi there, My husband works for an international company and paid in US dollars. However, the HMRC class him as self-employed. I carry out bookkeeping for him monthly with end of month reconciliation as well as annual returns with other specific tasks on his behalf. However, this work load will increase as of May 2015, hence charging him. My question is.... Can I invoice him for monthly duties carried out. I plan to go self employed doing exactly this once I have completed my Honours Degree in May, therefore, it would be far easier for myself to also go self-employed rather than being classed as an employee (seen other responses but always focuses on limited or sole traders). Can I do this as I am his wife, if not he will have to pay the accountant to do this as I suspect I will be too busy with my own clients. Thanks in advance
  15. Hi there, looking for some advice about claiming working tax credit as a self employed person. Is wtc based on income, or profit? I was awarded wtc last year based on 2013-2014, which was my first year of self employment in which I made a loss. This year so far I have made a (yes, I know, pathetic) £500 profit. Can I assume this is little enough not to have to notify HMRC? I'm not sure how it works as a self employed person, since income is unpredictable. At what point do you notify them if you think your income has risen from last year, given it may well go down again? Secondly, I'm moving area next month and plan to get an additional part time job (since clearly self-employment isn't working too well!). Can someone confirm it's acceptable to be both employed and self employed whilst claiming WTC? Apologies if these questions have already come up recently, I appreciate any insight you can offer. thanks lots.
  16. Hello, I have a query and it would be wonderful if anyone can offer me their thoughts! I currently claim housing benefit based on my self employed income (also claim working tax credit), which I am asked to declare every 6 months. I'm moving area shortly, and will have to cancel my current claim and make a new claim with my new local authority. Now, my question is this. A large chunk of my recent income has come from a job based here that I will lose when I move area. So when I make a new claim, and am asked for my previous 6 months income, it will not reflect what my future 6 month income is likely to be (it will be much less, as I'll have lost my regular job). Do you know if there is any provision made for this? Or if I will just have to accept I may get a reduced amount of HB? Thanks for your help!
  17. hello all, I hope somebody may be able to offer me some advice. In march 2014 I purchased the goodwill of existing hairdressing salon. I was declined for business start up loan despite putting in what I thought was a very good business plan. My sister took out a loan on my behalf to purchase the good will of the business but this meant I had no money left to buy any stock, tools, equipment and furniture for the salon. Since then I have been buying these things as Ive gone along. I also put in a claim for housing benefit and the said they weren't able to accept the loan repayment as an allowable expense. I have made lots of purchases on my credit card for these things too. They did award me some housing benefit until August 2014 when I submitted my new form. Today I received a letter to find out they have revisited my claim despite making an award and have now told me they have not allowed expenses for electrical tools, equipment and furniture as regulations state start up costs for a business are not allowable when calculating income for housing benefit. I am distraught as I have put thousands on my credit card too for business expenses. To top things off the lady I bought the business from has been canvassing and doing their hair from home and making up lies about me to sabotage the business. I just don't know which way to turn as there is no way I can afford to pay rent as I have credit card debts to pay off for tools and equipment that they wont take into account. I would appreciate any advice someone could offer please.
  18. hi all, I am the main claimant for benefits, and have been for some years. We have an 8 yr old. my problem is : I have mental health problems over the years resulting in a breakdown. I was told I was unfit for work at a medical assessment over a year ago. however, I am interviewed every six months to see how I am getting on and if and when I will be able to work. This frankly is making my situation worse as it just piles pressure onto me. my husband is capable of work and would quite happily do so.(he is not my paid carer) I am in no fit state most days to cope on my own and we both know this would not be practical. My question therefore is: If my husband becomes self employed (not sure as what yet) will we get help with rent and council tax, would we get any other help? This is the only way we can think of to ease my situation. many thanks
  19. Good evening everyone This isn't so much a bailiff problem, more a problem with a bailiff I was once married to.... I have been divorced from my ex husband (a certificated bailiff/enforcement officer for Marsdens) for almost four years, and have since remarried. I have a 9 year old son from my previous marriage and have struggled and struggled to get any kind of child maintenance.... My ex-husband has constantly insists he cannot afford to pay me anything... I have recently had my hand forced and in desperation turned to the Child Maintenance Service who have now intervened and "forced" my ex-husband (a certificated bailiff/enforcement officer remember?) into paying maintenance for his son. I have learnt today that my son's maintenance award is £7 per week!!!! Yes, £7 per week..... £1 a day!!!!! My ex-husband is, it turns out, SELF EMPLOYED and on a very low income.... £70 a week!!!!! He is a certificated bailiff !!! Surely this cannot be right??? If this is so, then SURELY there is something wrong with the system.....I don't mean the maintenance system, I mean the LEGAL enforcement system!!! Surely someone in such a powerful position, who deals daily with vulnerable people, who has the power and legal rights of arrest (so he reckons) shouldn't be motivated by commission? Self employment? Surely they should be untouchable..... On a salary.... Not self employed? Is this right? Any opinions or views appreciated. Thanks Lisa
  20. First of all hello, just recently found the forum. Oh, I have been so so silly. I bought a caravan on HP in 2008 over 60 months, last year I sold the caravan and didn't get enough for it to pay off all the loan. I know now that I shouldn't have done this, that I could have let them take it back as I'd paid half the loan. I feel so stupid, but I really didn't know this, and I didn't realise I couldn't sell it on either. I've made such a big mistake. I have never defaulted on the loan payments, I'm still just about managing to pay everything I owe (there are other debts too) but it's tough as I'm a single widowed mum with two kids and I"m a full time student, so just about manage to meet payments by using my student loan etc too. If anyone has any advice how best to manage this and get myself out of this pickle I'd appreciate it. I'm a bit scared now I know I could be prosecuted for selling the caravan with outstanding hp, I have no idea where it is now.
  21. Last year I was on the sick for back problems (kept slipping a disc and I swear to god it is total agony) and problems with my knee randomly giving way. I was seeing a physio regularly etc but ATOS decided I had nothing the matter with me. After a while, I managed to get a JSA claim sorted. To begin with they were trying to say I couldnt get JSA as I was ill..how crazy is that Anyway, while on JSA I obviously continued to see my physio and a few months ago I was having next to no problems with my back or my knee. I found a job as a door supervisor 2 months ago. It is a 0 hour contract and I was told at the interview that I would get an average of 20-25 hours per week, my boss then informed me that it would be best for me if I signed off JSA, which I gladly did. However since then I have been recieving ONE shift per week, ranging from 4 - 8 hours. This is not anywhere near enough. Along with this, from periods of long standing my back seems to be going again, I have been at hospital twice since starting work again. So basically, I think (and my doctor thinks) I should go back on the sick, and back to physio too. However I am not sure how this would work, as I only signed off 2 months ago..and being on a 0 hour contract (and only been employed for 2 months) I am quite sure I wouldnt get sick pay from my employer. My doctor is more than willing to give me a sick note, he even says its the best thing to do as he thinks if I continue working, even for one shift a week it will be detrimental to my health. Would I pack in my job and ring the jobcentre to sign back on the sick? (until ATOS decide I am perfectly fit again no doubt...) This whole thing is really peeing me off to be honest. I am annoyed that I was lied to in the interview about hours, but I am even more annoyed that I may have to be off work for another 6 months or so, or even longer.
  22. Hi I'm new to this site, but have read some other posts and am hoping somebody may be able to help. My partner is a self employed Carpenter. He was recommended to a company by somebody he's worked with previously and completed 11 days labour for this company. The company paid him for 6.5 days, but despite numerous reminders and informing them we would seek a CCJ if payment was not made by today, we have not received the money owed. I tried to submit a claim online, but I have no address details for the company. The company website provides a telephone number and e-mail address and there is the option to submit an enquiry form, but no address is listed. I have checked Company House and it's not listed on there. The company is run by one person, so I assume he is a sole trader operating under the company name. We have tried contacting the owner by e-mail and telephone, but he does not answer or respond. We have also tried asking the person who recommended my partner if they know the address, but unfortunately he does not and is no longer working for the company due to a number of issues including payment. I'm now at a loss as to what to do. My partner is owed £568 net and we provided my partner's CIS card for tax purposes, so he should have paid £142 to HMRC. Help/advice would be grately received. Many thanks Sarah
  23. Hi Would someone be able to tell me .... if someone is self employed and has to stay in hospital for awhile and then take time out to recuperate can they apply for any welfare benefits? Thank you in advance.
  24. I've been receiving Incapacity and Housing benefit for quite a few years due to various mental health issues but now I have a decent chance to start up a home business repairing computers and I'm worried about losing all my support if things don't work out. I've spoken to Incapacity Benefits and they told me I can apply for Permitted Work which would allow me to work up to 16 hours a week and earn £101, anything over £101 will be deducted from my benefits. I also got in touch with Housing Benefit and they told me that as long as I sign up for Permitted Work and keep them updated with my monthly earnings I would be able to keep a certain amount of the benefit. If the system really works this way then I think I could make a go of this, I'm just staggeringly anxious about it all I still need to ring the Tax Office to ask for advice, I'm utterly clueless about tax but I'm told that at this level I won't have to pay anything and I will need to apply for Self Certification. If anyone has been through this sort of thing I'd greatly appreciate some guidance, I feel a bit like I'm jumping without a parachute.
  25. Hi can anyone help friend had a bailiff call this morning , we couldn't find him on register. phoned bailiff company and demanded that they imform me of where he got his certificate and when, ! phone the court that issued it and at first she couldnt find him after she phoned me back the second time she found him but he is not registered as working for this company just as self employed I know there was something I read about this saying the bailiff must inform the ccourt if cirumstances change is this true ? If anyone could clarify this I would be grateful Thanks
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