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    • Hello and welcome to CAG. People should be along to advise over the course of the day.   Which retailer are we talking about please?   By the way, something seems to have gone wrong with the spacing in your post above so I've popped in some paragraphs.   Best, HB
    • I'm after some advice before I fill in and return the section 172 "request for driver name and address".  I am the registered keeper of the vehicle stated .   The alleged offence (Exceeding variable Motorway speed limit 68mph in a 60mph zone) was committed on 29/07/2020, the NIP is dated 31/07/2020.  On Wednesday the 29th July 2020 a friend and I were driving for a much needed break from South Wales to spend a few days in Yorkshire, we shared the driving for the 4.5 hour journey at just over an hour at a time each.    My problem is this, 1.I have no idea of the location or recollection of the place to which the police refer (M1 Northbound Duckmanton Derbyshire?)  and 2. I cannot say with any accuracy which of us were the driver at that particular time.  I have a clean driving licence and am usually very speed aware using the cruise control at most times.   an offence for a mere 8mph on a motorway with everything that is going on at the moment seems extremely harsh IMO.     I would much appreciate if anyone could offer help / advice at what I should do next? Many thanks  🙁
    • Hello just asking,? I purchased a discount new cooker as it had cosmetic damage, paid £250 After a few days I noticed the fan never went off, I contacted the company and they finally collected the cooker and took it away, ( for 7 days) And fixed it,   It never seamt right? It steamed up in the clock panel and the oven door was mis-lined It had multiple dints in the sides Top panel missing on the door to stop food dropping in, Shelving didn’t fit well Then main fan started to rattle and tap   I put up with all this as it was *discounted Then one day whilst cooking we could smell a funny smell Turns out the wires had melted on the back of cooker I contacted the company again and it took a lot of phone calls to try and get the problem dealt with, speaking to several different staff....I wanted a refund or replacement I had had the cooker 6 months just! I asked for a refund or replacement    I contacted trading standards and citizens advice and they advised me what steps to take! Finally the company offered to replace the cooker, then later changed! As they explained that nothing came in to replace it they were too damaged! ( been told they buy at auction damaged) They wanted to look at the cooker and inspect the damage themselves, so I agreed they collected the cooker, No update, or communication I had to constantly chase them up Nothing was sorted out with 7 days we had no cooker, I threatened Trading standards were now involved Last thing on a Friday in June they rang to say I can collect the cooker it’s fixed!!!! I had expressed all along I didn’t feel safe using this cooker anymore with my family I didn’t want this cooker fixing again ( by whom) They started to blame me and said I should be grateful they aren’t charging me for the repair!   Still today in August this is not resolved  Trading standards have been useless  Citizens advice have told me to take them to small claims court!???? I have had to purchase another cooker  As I’ve been left without one.   I am in a vulnerable situation in life, Im a carer for my husband and have children and have no one to help me sort this mess out! I am struggling with making the county court claim ? What shall I do?   ( sorry for long message) ✨
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    • and that facts start to come out 'Inexplicable' failure to quarantine travellers to the UK made pandemic 'far worse', say MPs UK ‘almost unique’ in rejecting border checks in crucial March period – without scientific basis – as hundreds of infected passengers arrived every day   https://www.independent.co.uk/news/uk/politics/coronavirus-uk-quarantine-travel-cases-deaths-covid-a9653451.html   "Strikingly, it says the Home Office refused to set out any scientific advice to explain the “grave error”, despite repeatedly promising to do so – a stance attacked as “completely unacceptable”."   So even aside from not testing in any way people who returned: "Yvette Cooper, the committee’s chair, said the critical mistake was the decision on 13 March – 10 days before lockdown – “to remove all self-isolation guidance for travellers arriving in the UK”."   "The MPs also pour scorn on the Home Office’s argument that 99.9 per cent of arrivals are obeying requirements to quarantine for two weeks, finally introduced in June. They describe the claim, made by home secretary Priti Patel as “unreliable”, because it appeared to be based only a limited number of compliance checks made and three fines issued."       So not only did Johnsons cronies NOT make any efforts whatsoever to test people returning, and NOT properly check people were self isolating, they actually stopped telling returnees to self isolate for 10 days before the country was locked down as the number of epidemic infections exploded.   Wonder why?   "The committee’s inquiry heard that, in the crucial 10 days between scrapping isolation guidance and the lockdown, up to 10,000 infected people arrived."  
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
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      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
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      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
DandelionGirl

ESA and self-employment query

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Hello

 

I am currently on ESA. I am hoping to be able to do a small amount of self-employed work while on the benefit.

 

I understand I can earn around £90 per week if I work less than 16 hours.

 

Can anyone advise if I can average that £90 out over a longer period?

 

The very nature of my profession would mean, for example, I might earn £180 one week (so - two weeks income under the threshold if I could average it out) and nothing for several weeks.

 

Thanks

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I presume you're talking about the permitted work scheme? In which case do talk to your Pathways Advisor in detail about it and what you propose to do. Bear in mind that the maximum you can earn is, if self-employed, equivalent to net profit not gross turnover...

Best wishes

Rae

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Thanks, Rae. Yep, it is through the Permitted Work Scheme. I've just tried to speak to my ESA personal adviser about it . . . I seem to know more about it than she does. Anyway, she is apparently going to call me back 'at some point today' - as if all I have to do is sit in and wait for her call. I would have preferred just arranging a proper telephone appointment with her.

 

I've only met this woman once - but she seems very scatty and not very much in the know about things. I'm partly hoping she forgets to call me back so I can justify asking for another advisor . . . but maybe they're all the same.

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Hello

 

I am currently on ESA. I am hoping to be able to do a small amount of self-employed work while on the benefit.

 

I understand I can earn around £90 per week if I work less than 16 hours.

 

Can anyone advise if I can average that £90 out over a longer period?

 

The very nature of my profession would mean, for example, I might earn £180 one week (so - two weeks income under the threshold if I could average it out) and nothing for several weeks.

 

Thanks

 

I may be able to help here.

 

First of all it depends on the type of work and how you see your business growing over the few years.

Instead of looking at the £93 rule as this generally is for only one year, although it can be for longer depending on your illness and amount of support you need, consider the £20 rule.

 

As Rae points out first of all when self employed, it is not the turnover but the net profit they look at.

The 16 hour rule is out of the window if you work to the £20 rule!

You can work any number of hours.

 

So say you work 30 hours pw, which will include time for admin, phone calls even going round handing out flyers, and your net profit is under £1000, not only will this not affect your ESA, but on current law, you would be entitled to WTC at the 30hrs + rate. Also, if you satisfy the Disability test for WTC you get that premium as well.

 

It's all a question of your intentions. It is also possible, and it is good business advice, to make a net loss for the 1st year if you have paid tax on the equivalent income in the previous year. The loss would be set back and you would be entitled to a tax repayment. If you didn't pay tax, then the loss can be carried forward to any future year that you do become liable.

 

Also make sure you apply for NI exemption on grounds of low income and that you register everything with HMRC.

 

Net profit is not just turnover less costs, it can include a wage to a dependent, use of home as office, use of the car, use of the telephone etc etc. Not forgetting you can claim capital reliefs on assets in the business - laptop, car etc.

Good luck

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