Showing results for tags 'self'.
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Hello all, I post in this place like once every 10 years because most things I can deal with myself, but thank God for this place because when i don't know what to do regarding some advice / legal advice, I know this is the place to come to. Anyway I am having an issue with a self storage company in London (one of the big ones). So basically I gave them 7 days notice to close today, and they said they have to charge me £15 because the 7 days 'crosses over' which is basically bull****, I know they're just trying to screw me for money. This is the first issue. The second issue is they sent me back an e-mail saying they 'require the unit to be cleared during office hours for the sake of thealarms on the units' which again is crap, because I was with this self storage company for 6 months and I could take my stuff in and out as I please 24/7, at midnight, outside office hours, weekend, whatever, it wasn't a problem. But now that I gave them 7 days notice to close, they're saying I can only take my stuff out Mon-Fri 9-5, otherwise I'll trigger the alarms. Which of course, if I do, they will promptly charge me like £30 admin fee or something. And bear in mind these 7 days (9th January - 16th January) I've already paid for last month, but they're imposing this new set of conditions. This really is a problem for me because I need to move my stuff out in the weekend, and of course they'll probably put the alarms on in my unit, which they shouldn't do, and then when I move it, it will ring, and they will say they can charge me for this. Is there some Ombudsman that I can go to complain about this? Can I also tell my bank Barclays to block any payments taken out by that company? (They said the £15 they will charge me because of 'cross-over' will go out automatically' Thanks all in advance, and mods, if this is posted in the wrong sub-forum, kindly please tell me where to post it so I can get maximum exposure to this post. Thanks a lot all for reading.
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Hi all, I need some advise on how to deal with HRMC and stop them from coming to my house, applying crazy charges, taking my goods and making me bankrupt (which will cause me to lose my new job) all down to a problem with self assessment tax , charges and interest from claiming child benefit. Really don't know what to do but I know that they can reclaim tax by adjusting the tax code which I assumed had already happened as my online tax code seemed to change ever few months . A collection office turned up at my door last week, demanded £75 for his visit and insisted that I somehow sort out £11000 dept.** I offered to make a token payment of £500 and asked to have the payments taken via my tax code.* He didnt agree to this but said that I needed to speak to the dept management team which I did.* they advised me that I needed to complete my self assessment by registering, then waiting for an activation code and finally completing the submissions before we could do anything. My worry is that I will not be able to do all this within the 14 day time limited the HMRC collections persons placed on me I understand they have unique powers meaning they can enforce bailiffs without needing to go to court. What can I do ? I was about to sent a letter asking for the payment to be taken from my tax code and pleading my case (almost begging etc) but wanted to ask for some advise first. Anyone offer any help on what I should do.? Thanks Scott -
Hello, Can anyone give me some guidance please? I need to provide my figures for the month online for Universal Credit. The only thing is i don't know where to enter them and they were due yesterday but i cannot get an answer anywhere. I just need to know,as this is the first time,where and how do i do this? Thanks
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I applied to a job Ad from a Recruitment Agency (XYZ) to work for a big IT Consultancy firm (ABC). I got interviewed by ABC and got selected. The job contract was signed between Myself and the XYZ. I started the new contract with ABC on 12th September and they asked me to work for a Government client. After 3 weeks of working, one day (3rd Oct) when I was at Gov client office, I overstayed and worked till 8.30pm and I was alone in the office after everybody left. On 4th Oct, when I went to office as usual, Gov client asked me to leave their office immediately as I had breached their security. I was on visitors badge and as per the rule I was not supposed to be alone and one of the regular badge holders should have been with me always. This was not briefed to me before I started at Gov office by the ABC or ABC staff instructed me leave the office on time. On 5th Oct, ABC called to their office and informed me that they are not happy with my work performance and they are terminating the contract with immediate effect. They did not mention anything about incident happened at the Gov office. ABC said they would pay for all the work till date and additional 1 week for the notice period. After the termination, I sent the invoice for the number of days worked to the XYZ. On 17th Oct, I received letter from XYZ saying that, The reason XYZ was unable to continue its contract with the Client (ABC) was due to the services not being performed by the Consultant Company (myself) to the required standard. As a result of this breach XYZ has incurred losses, such losses amount to £xxxx.xx + VAT. In accordance with clause 3(f) and 10 of the contract, XZY shall deduct this sum from outstanding invoices. I totally disagree with XYZ because, - There is no defined performance standards or metrics mentioned in the contract - When ABC is happy to pay for the work done and for the additional 1 week notice, XYZ should not have any hand in this. - I don’t think ABC would have sent a letter to XYZ with the reason for terminating the contract I won’t let XYZ to go ahead with their claims at any cost. They have provoked me with this unethical and unfair business practise and won’t let them carry on. In responding to XYZ’s claim, I am including the following points in my letter: - How am I responsible for the loss - In what way I failed to perform the contract work - How did they arrive at the cost I need your help please to fight against this rogue XYZ agency and for them to pay the full amount for the work I did. Please advice on how I can respond to XYZ claim. Thank you PS: I have extracted section 3(f) and 10 from the contract and shown below. 3 (f) Whenever under this Contract or otherwise arising from the relationship between XYZ and the Consultant Company any sum of money shall be recoverable from or payable by the Consultant Company, the same may be deducted from any sum then due, or which thereafter may become due, to the Consultant Company under this Contract, or any other contract between XYZ and the Consultant Company (or any of its affiliates). 10 Indemnity The Consultant Company shall indemnify and hold harmless XYZ against any and all claims costs expenses losses or damages whether direct or consequential arising from the Consultant Company's breach of any provision of this Contract including all administration costs and all claims costs expenses losses or damages arising from the negligence or acts or omissions of the Consultant Company or its employees agents or subcontractors. -
Hi. Right Kind of upsets, but here we go. I WAS self employed. Had an accountant, etc. I gave this up in March 2015. I told my accountant, etc., and they said they'd deal with it. I then took up full time employment with a company. HMRC sent me a letter to my name saying I owed them for tax and a late filing of returns. The bill was £1654.72. I agreed, and for the last four years or so, I'm been paying it through my PAYE. In about February this year, they said it was paid off, and my codes, etc., returned to normal. Today, an enforcement officer arrived, demanding £9,198.66, plus saying he was going to lump on £1735 more on if I didn't pay. An additional factor is that from March 2013-April 2018 I was in an IVA, which I paid every payment to, and was discharged in April of this year. Don't know if it's relevant or not... Now, as far as I can tell, the following has happened... My accountant didn't do the right paperwork in 2015. The HMRC have been sending "demands" or whatever you call it, to the wrong name and address. They admit I've paid (On average) £1700 per year to this debt for the last four years They don't care, they want money now... They don't care about the IVA, although they were invited to the meeting at the beginning. There is a clear discrepancy between my name and the one they're using for the enforcement. Any advice?
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Hello I am hoping someone can advice me on entitlement to carers allowance. I recently moved in with my mother to care for her. Previously I was full time self employed. I have been advised to apply for carers allowance as my mother will loose an aspect of her pension credit because I am living with her. I have asked social services if my mother can have a live in carer for one week in 6 so I can go back to Devon (my mother is in Dorset) and work one week in 6 to keep the business 'ticking over'. They have agreed to this in principle. I would not anticipate earning more than £3000 a year (at most) but am concerned that not caring for my mother EVERY week may mean i am not entitled to carers allowance. In all other aspects I should qualify. It seems one can 'take a break' from caring and still get carers allowance up to 4 weeks in 26. So that should be ok, but also one must be caring for the person for 22 of the past 26 weeks which would mean 4 weeks in one go is ok, but not one week every 6? I can find no information specifically addressing my issue. Any advice much appreciated.
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In simple terms i'm self employed and have been here since october 2010, up till October 2016 the tenancy was not in my name and was paid monthly but they moved out so at this point the landlord agreed for me to pay 6 months in advance because I was unable to prove enough earnings due to being self employed. I have renewed twice paying the 6 months in advance again so 18 months total but this time they want to put the rent up £300 a year and are asking me to pay £60 in advance to reserve. I'll be honest its doable but its a real struggle this time finding over £4k. Logically it should be no different to paying monthly but it just doesnt seem to be feel like that. Flat will need decorating if he wants to find a new tenant I think. Now ive been here nearly 8 years and in that time ive had nothing done, its all starting to look a bit tired in here. But I think ive been a good tenant, im not Hyacinth by any means but ive not trashed the place at the same time and the rents always been paid etc. I guess what im wondering is where I stand legally if I want to stay on?, I know that usually an agreement goes periodic but how does this work with 6 months paid? If I dont renew will it just carry on as is? Ideally i'd like the reduce the amount due and increase the payments per year, even quarterly would be better than 6 monthly. Surely if it goes periodic they could allow a bit of room on how often payments are due?. I did pay a huge deposit. I'm just sure even if they did agree to change it there would be a huge fee for drawing up a new agreement. I have about 6 weeks so I need to get this in order I think. Have pasted the email minus sensitive info. As your current tenancy is due to be reviewed on ...Late April 2018 we are delighted to inform you that you landlord is offering you a further fixed term of 12 months at a rental of £@@@ payable in advance half-yearly for the term. In order to secure your new fixed term tenancy term please call us on 00000000000. There will be a charge of £60.00 (inc VAT) required to cover the cost of this service which can be made via debit card. We are also available should you need to discuss any changes to the proposed terms, our office hours are Monday to Friday 9am to 5.30pm. Should you be intending to vacate your property at the end of the current tenancy term then please email confirmation of this to email address including details of your forwarding address. -
Hi everyone, I need some advice on behalf of a friend. He started working as a self-employed DPD franchise driver last year. It means you get the title as self-employed but essentially you drive their van, you wear their uniform, they tell you what hours to work & theres little say on your part in this. During the course of his working day, he got into an accident. The insurance companies stated that they could find nobody to be at fault for the collision and any damages were paid for. I believe the other guy who was involved in the crash had quite a high excess and as such is looking to claim this back - by taking DPD to court. This is where things get complicated. The claimant wants to sue DPD to recover costs. As such, the case is being heard in the claimants local county court because DPD are a business. DPD have told my friend he is to travel some 300 miles to this court and represent himself. My friend has had nothing from any court come through summoning him to court. We believe DPD have all the paperwork. We think DPD is trying to make him go to court on behalf of them to deal with this claim. DPD do have solicitors working on this case - we have yet to establish if they will be present on the court date. My question is, if the case is against DPD the company, does my friend need to go? when essentially he was a self employed franchise worker and not an "actual worker". Has anyone got any advice for a situation like this? -
Hi, I’m hoping for some advice for my uncle. He is 71, has had schizophrenia all his life, used to live with his parents till they passed away 15 years ago and now lives alone. My mum (his sister) and my dad visit him weekly to check on him, take him some food and do a little clean for him. He receives DLA (lowest rate) and pension credit and has rent paid on a small run down flat. He is usually very private about his finances last time they visited he was very anxious and told them he received a letter from the DWP to ask for bank statements to prove his amount in savings. They asked to see the letter but he said he had thrown it away. When they asked him how much he has, it turns out he has nearly £25,000. Obviously this is way more than he is allowed and we would like to know what is likely to happen now, and what is the best thing to do next? The money has not come from any outside source, purely from his entitled benefits mounting up over the years resulting from him living very and neglecting himself and his home due to his mental illness and medication. For example; he doesn’t eat well, only one decent meal a day and my parents take him fruit and veg and meals when they can. He was going out in winter in a thin summer coat so they bought him a warm winter one. His couches and bed are over 20 years old and falling apart and he refuses to buy a new ones saying they’re fine! he only has this much in savings because he hasn’t had the mental capacity to use his entitlement to care for himself properly all these years. He doesn’t smoke, drink or buy any new clothes or possessions for himself. We are wondering whether to try to convince him to spend a chunk of the money on things he does actually need and keep receipts before sending the bank statements in, or if this is likely to get him into more trouble with the DWP? He talks about being anxious about funeral costs so we could help him get a prepaid funeral plan. He also needs a new mattress, bedding, 3 piece suite, TV, white goods for the kitchen, new clothes and shoes etc all of which he has neglected to buy for himself for 15 years. Thank you very much for your advice! -
hello have been self employed recently and have had my invoices deducted by 30% by the construction company thats paying me. How do i claim this back? Need the help please new to this so be gental with me .... -
Hi all Some words of legal advice please. My son has been employed, on a self-employed basis, with a major construction company, paid through Exchequer Solutions, with basic 20% deducted and I claim most of his tax back each year. He has worked tirelessly for the same employer 2 months short of 3 years as a carpenter/multi task contractor. Unfortunately, the company is owned by a father and son duo. The father is a very reasonable but ageing man who mainly stays in the office and the son is a complete upstart, worth millions, knows nothing of the construction industry, but did a business course so feels totally able! This humble description of him is shared by many. A few weeks ago, the son of the employer and my son had their final fall-out/disagreement and it was to be the hair that broke the camel's back. My son made it clear that he was no longer prepared to work for his company and left there and then. I have been invoicing for his work 2 weeks at a time, a week in arrears. When I submitted his final invoice, in addition to the final few days work, totally some £1k, we received an extremely vicious and libellous email saying that my son had taken advantage too many times by over-invoicing for hours not worked and if anything, he owed them money! This is, of course, not true, and even if it was, how can they wait nearly 3 years to come out with this after he's left their employ as such?! I did write to Exchequer solutions for their opinion, seeing as they have deducted a fortnightly fee for their services off his invoice, but they have put their hands in the air and said "I know nothing"! What are our rights please, if any? Thanks in advance
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Self scan theft!
Twinmummy26 posted a topic in Retail loss Prevention/Other shoplifting allegations.
I know it's not clever but I was chosen to have a random check and they found items not scanned so needed a full scan. Went to a till and put my shopping up with obviously extras but left some clothes in a bag. They took a copy if the receipt. I was racked with guilt so 30 mins later went back and paid for clothes. What will happen Now? Will they check cctv as they have my club card and account details? I'm totally fretting that the police will come knocking on my door! I paid for all the items in my bag just worried about the clothes Now! TIA -
Hello i wonder if you could give me some advice about Universal Credit. It is going to arrive in my area in a couple of months time. I am 67 and self employed and i receive tax credits. I do not receive any other benefit. Can anyone tell me if I will lose my tax credit when universal credit arrives. Thank you for any help you can give.
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Hi there, I emigrated to SE Asia in 2006, and returned with my family in 2015. Before leaving I had been self employed, and on our return went self employed, notified HMRC and started Self assessment again. I have just received a letter from HMRC stating that I owe nearly 2K in tax and penalties for the years 2006 to 2012, much of which is for non rendering of returns. I can only guess this is a response to my notification that I am back...although this was done nearly two years ago. I did tell HMRC in 2006 I had emigrated and did not receive any returns posted to my address for many years. I have done a SAR online today,and written to them asked for more time whilst waiting on this, but is there anything else I should be reading up on in the meantime? Any other sage advice gratefully received. Many thanks
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I was offered a sales/ admin role for a company near me last year. advertised on indeed as a full time permanent position. nothing in the advert stated self employment. gave p45 from last job, NI number, passport and bank details. paid by bacs every week @ £260. the arrangement was for commission to be paid on top also but did no happen due to lack of business. part of my role was to drive to businesses in my own car. the owner gave me cash everyday for fuel despite asking for it to be placed in my account. after 2 months i became concerned that i had not had any payslips or a contract so approached the boss. He informed me that i was on the books as a self employed administrator/ sales consultant and i would need to prepare him invoices for the past 8 weeks. informed the owner that this was not how the job was advertised online and i expected to receive payslips and a contract. on the way home, received a text message saying my attitude is terrible and my services are no longer required. upon closer inspection, i realised he was paying me from his personal bank account, not the businesses. As far as i am concerned i was mislead in believing the role was full time and permanent. i trusted the owner of the company to prepare all the paperwork and i submitted the appropriate information for him to put me on the books properly. i am now concerned that i will be chased for the tax i may or may have not paid to hmrc. i dont plan to make a song an dance about it.i know i should have asked for my contract earlier. i have learned a valuable lesson from this and now in secure employment. I am just worried that HMRC will throw the book at me if they find out and he will get away with what he did. from what i can gather when i spoke to other clients, the owner has done this to several other sales consultants who also left after a few months. any advice/ experience most welcome. -
I had a guy who had worked for me for 5 years. He came to me begging in December for a house to stay in. I helped the guy out by giving him a house that I owned. Cut a long story short he kept the money from the benefit payments telling me lies after lies. I managed to get a court order to evict him. But he still owes me £4000 which I have no chance of seeing. This has sent me in financial difficulties trying to cover the mortgage shortfall. The court ordered him to pay the full amount which he has not. I would really like to get the money off him. I know he works full time but found out later he is claiming housing benefit. He must not be declaring his entire income which will make it hard for me to get the money right? Any help would be appreciated. -
I know every council around the country has different rules and criteria regarding council tax credits (CTC) now, but mine has done something which I think is absurd. They have said that if you have been self employed for more than 2 years then for CTC purposes they are going to assume you earn a minimum of 35 hours per week at the national living wage regardless of what you do actually earn. Last year I had to pay approx. £39 a month toward council tax which was £138 a month, because of these changes and council tax going up as well, I am no longer entitled and have to pay the full £153 a month regardless of what I earn, just because I have been self employed for more than 2 years. Is this even legal for them to do this, I was quite ill for a good 7 months of last year, on and off and my net earnings for the year was less than 3k. This year obviously I hope to improve on that although its not been the best start to the year as I lost my mum in January and it hit me for 6. I am dreading how I am going to be able to jump from £39 a month to £153 a month when actually my financial situation has not changed for the better as yet. Is there anything I can do. -
Hi hope someone can help me here please.....I was a self employed courier driver for a local company in May 2017. I worked 7 full days for the company and i got an invoice for 4 days work which i should have been paid on 15th June but because i left on the 8th day with 8 parcels left and they had to pick their van up from my premises they have refused to pay me for any days work that i did prior. And ive looked through contract and it does not state anything at all on that. Could i send a LBA to the company requesting full 7 days payment what they owe and can i charge interest????If so where can i find a LBA template please or what steps do i take.... Thank you. -
Hi guys, I'm currently self employed as an 'Entertainer' and 2016/17 my income was £2000 with expenses of £2500. I'm also on a 0 hour contract as a PAYE in an office where the tax gets taken automatically. 2015/16 my earnings for my self employment were roughly the same, I made a loss but I managed to get a tax refund on this. This year however, HMRC are saying that I owe them £1.50. I'm thoroughly confused and yes, I obviously need an accountant, ha. I'd just like to hear any reasons why this is? My options were exactly the same as last year so could see what I put online on the last assessment.
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My partner had been on ESA and PIP for a little over a year now and has just been offered the opportunity to become self employed. This would allow him to return to work in a way that he would be able to manage with his illness and we are both very keen to try and get this off the ground. He would be forming his own company rather than being a self-employed contractor so money obviously wont start coming in right away. My understanding is that PIP is unaffected by either working or self-employment, is that correct? If so its only ESA to worry about, obviously his ESA stops because he is going to be able to work (I am assuming this all goes well of course) So what do we do? Do we talk to ESA and tell them the plan, and what we hope will happen with regards to the business taking off and becoming profitable? I assume at that point he would lose his benefit? But that's a lot of money to us and if we lose it before he starts bringing money in we might have a problem. He wont be doing many hours and obviously wont make a lot of money to start with but my earnings take us over the tax credits threshold so there wouldn't be anything else we could claim. I guess what I want to know is what the steps are to coming off ESA to become self-employed and when we take each step.
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https://www.standard.co.uk/news/uk/selfdriving-lorries-to-hit-uk-roads-from-next-year-despite-experts-safety-fears-a3619651.html Dont panic, -
Hi, Please if possible can someone give me some advise? I have worked for a retail clothing company since March 2013. Up until 6th July 2015 I had a standard 'sales agent' contract. After this date I signed a Consultancy Agreement with a small list of retail customers which I was authorised to to provide 'Services to the Company'. For these accounts I earned a fix 6% commission rate on all paid invoices. Any other customers that I influenced sales for the company I also got paid for at the same rate. In my contract it states that the Commercial Agents Regulations act/regulations 19193 do not apply to this contract. On July 14th 2016 I was given 4 weeks notice of termination with the new MD stating that all business in my region will going forward be handled internally. I have been told that all business concluded by 14th August and paid by Christmas will be commissionable. Can someone please advise if I have any claims as to business on accounts that I have worked on for 3+ years should be commisionable after the 4 week notice period? It is very frustrating as many of my accounts will be placing 2017 orders in October this year and I will receive nothing for my previous development work. Really appreciate if anyone can advise? Thanks -
Hi, I live with my husband, we are both self employed, I had a baby in September and receive Maternity allowance. I was also receiving Working Tax Credits and Child Tax credits, around £80 per week. My husband is currently quiet with work so we asked the council for rent help, they told us they can no longer help and we need to apply for universal credit. We did this (horrendous application system!) and in the meantime our working and child tax credits stopped, we were never informed this would happen, i wish i had just left it as it was. We were relying on that money and now it has just stopped! We both had a job centre interview yesterday which is part of this ridiculous process and my husband has to go back yet again with business details. He only earns around £5000 per year , they basically want to see if it is worth him running his business, if he earns enough, if not they will make him look for other part time work - how on earth can he do that around a self employed business that is on demand (ie it depends when his customers want him!). This is all if we want to claim universal credit. So, i assume they will say he does not earn enough and will have to find other work....we do not want to do this so my question is, if he says no to looking for other work, will we just get no help....even with a new baby. Am i correct in thinking that £5000 per year approx will not meet their requirements? Just wanted a little bit of advice before we see them again. The whole new system is ridiculous, i have worked and paid tax all my life yet when we need a bit of help we have to fight for it, yet people who dont want to get a job, try their hardest NOT to get one, receive all the help there is out there!!! Any advice appreciated
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Hi folks Formerly received housing benefit but after moving house was told we`d have to reapply so decided to try the UC route instead. How does UC work with the self employed with regards to looking for work/sanctions? The missus is self employed doing sales and earns a pitiful sum from it. Would UC force her to increase her sales or look for work under threat of sanctions? She is a hair stylist to trade but since the birth of our youngest refuses to use her skills unless she opens up her own salon or learns to drive so she can offer a mobile service, but financially we cannot afford to do either. Would there be support from DWP/other agencies through UC to set up a salon, and would there be any requirement to earn more/look for work whilst in the process of setting up a salon/etc? TIA
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Hi all, Just looking for some advice on what I should do going forward. For the record I am a resident in Scotland. I have accrued around 47k of unsecured debt among six creditors in the UK. 1 Ratesetter £23.8k P2P loan 2 Barclaycard CC £4.9K 3 Tesco Bank CC £5.9k 4 Virgin Money CC £6.2k 5 Hitachi deferred payment £4.5K 6 V12 Secure Trust Bank £1.8K I am now at a point that I am about to start missing payments and will end up defaulting. I have spoken to step change who have recommended a DPP under the Debt Arrangement Scheme as I have a flat with equity that I wish to protect. While this is the formal way of things I thought I could perhaps try the informal route first and doing a self managed DMP with it being more flexible and being able to pay off creditors with lump sums if I can get some overtime built up. I filled out my income/expenditure sheet and included this in a letter to each of my creditors explaining I can no longer service my debts and included a revised payment amount (pro rata of £585 surplus). The letters were sent 1st class recorded signed for. All direct debits have been cancelled today also. I assume it is now just a waiting game for their responses? I reckon they will more than likely reject especially Ratesetter - this is the debt I am most worried about as it's a high amount and essentially other peoples money. Am I doing the right thing here? Should I just be going straight for the DPP to save any court cases? Any help or advice on the matter is greatly appreciated.
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