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  1. Hi i am self employed on a low income and claiming Housing Benefit on a 1 bed (2 room) flat in an inner london brma. I have been renting one of the rooms out to a lodger on a permanent basis and receiving the 2 bed rate minus income deductions from the lodger. I would like to begin renting the room occupied by my lodger on a less permanent basis, to paying BnB visitors for weekend. Is this possible and what would be what is the best way to go about this without creating a change of circumstances every weekend that I have a paying visitor? All i can find is that there isn't any distinction at all in the regulations between a lodger and a temporary BnB guest - a 'lodger' is defined as 'someone who is liable to pay you or your partner rent, on a commercial basis, to live in your home'. There's no clarification on what 'to live in your home' means, and this means that it's quite possible that any paying weekend guest will be treated the same as any other lodger, and this may potentially mean that I have to notify the council of a change in circumstances frequently. Could i incorporate the business' under my self employed umbrella that does not interfere with my award which would be single occupancy with 1 bed LHA.? Would really appreciate any concrete info please. Thanks in advance.
  2. Hi, I'm in the Support group for ESA, was on Contribution based Incapacity Benefit from 2003, transferred to ESA without a medical in 2013. Was also on DLA high rate Care and Mobility from 2003, transferred to PIP in 2016 (downgraded to Standard Rate by an one of the 'trusty' so-called HP's !). My query is this, I have been thinking about coming off ESA as I've been offered part-time work (16 hrs a week) at a sitting down job (I have mobility problems) and can claim Working tax credit. Question 1) I would obviously write to DWP to say I want to come off ESA, but do I have to give a reason and has anyone on here ever done this ?. Question 2) If anyone HAS done this, has it affected their PIP?. I've scrutinized the PIP rules and nowhere does it state that they have to be informed if one started work, they only need to be informed if a health condition worsens or improves. I would be financially a lot better off if I did do the part-time job, claimed WTC and came off the ESA so obviously wish to do so. Any help appreciated.
  3. Hi guys, in a nutshell not had credit for appx 5 years since iva failure and appx 60k worth of debt. Heard very little from creditors since and advice has been let sleeping dogs lie and deal with any chasers on an individual basis. At moment only 2 debts outside of iva for 2000 each are sporadically chased. 1 lloyds tsb and the other DSS. Lloyds is appx 7 years old and DSS around 8 years. We have obviously had credit in the past and wonder if we try and reclaim any ppi charges via one of the many firms offering their services will we just kick over a hornets nest and start the chasers? Advice please, thanks
  4. lets hope they can get it sorted icetech have had enough problems and are an important employer in the highlands for youth too dx
  5. Daughter acquired her latest car in Apr 2012, notified her insurance co and paid the additional premium versus her old car.. Policy expired mid-May. xxxxxxxxxxxxxx" filled in her details (which included date of car purchase) and chose Hastings Direct, who insured her (she has 5 years NCB) but subsequently asked for sight of V5C. They then sent her a letter which arrived today (12th June) advising they had debited her a further £140. They SAY she put her acquisition date as 2005, and the premium increase reflects her increased risk of accident due to unfamiliarity with the car (it's a 1.4 Fiesta) - and that underwriters reduce premiums for cars owned a long time. Is this correct? a 33% premium increase just because she has a "new" 10 year-old car?
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