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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • JustAnOldGal
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      So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
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      Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
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      MET/DCB(L) windscreen PCN PAPLOC Now Claimform - electric bay abuse - ASDA Arla Old Dairy South Ruislip ***Claim Discontinued***

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Any Housing benefit workers?

jadeybags

By jadeybags
in Benefits and HMRC

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jadeybags

jadeybags

Posted
Posted

Hi

Are there any housing benefit staff that come on here?

I am getting so frustrated at the moment, apart from still waiting for my first months accounts back (last april) I don't feel I can improve in my self employed work.

I know I can make more profit but am too scared to. I am down for £100 per week profit self employed, that's what my housing benefit is based on & am now scared to go over that. But I want to build the business up!

I don't understand how it all works with housing benefit. I only have to pay £26 per week towards my rent at the moment.

I don't mind paying more, but I can't guarantee that EVERY month I will make more than £100 a week profit. So if I get my income re set to say £150 per week, I am then tied into earning that every week?

Can anyone give me advice on this as common sense isn't my strongest point, & maybe I am missing something?

I have a self employed friend in a different part of the country doing the same business & she says her housing benefit is set at a certain amount & doesn't change for the year no matter what she earns. But I have no idea if it's the same everywhere?

I did ask the housing benefit woman at my self employed interview at the council about it when I first claimed last april, but I didn't really get a clear answer..

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jadeybags

jadeybags

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Ah thanks Honeybee. Just getting frustrated because I am paranoid about being over paid benefit, been there & done that & can't face it again. But I also don't want to have to not progress in my self employment..

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RaeUK

RaeUK

Posted
Posted

There is at least one poster here who has said they work in HB. For the life of me I can't think of the full username but it is panda something. They have posted very recently on this forum somewhere ...

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Lillibelle

Lillibelle

Posted
Posted

You're very welcome Rae,,,it was pure luck that I was reading a post from her/him just moments before :) I'd like to claim super powers but alas,my penchant for telling the truth overtook me xx

Lillibelle

 

I only know what I know cos I know it,I only give advice,I'm not legally trained nor do I pretend to be.

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pandaspot

pandaspot

Posted
Posted

Hi!

 

Sorry haven't been on for a couple of days. You would not be set to a fixed amount every week.

 

The way we assess it is, we have your annual accounts, deducted all allowable expenses and calculate it then to a weekly figure . This figure won't change and your hb will remain the same until the next time it's reviewed. Normally once a year. However should tax credits change, or any other change in circs then your benefit will change

 

Hope that helps :)

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id6052

id6052

Posted
Posted

Where a HB/CTB claimant is self employed, their self employed income is normally assessed by using the previous financial year's accounts as an estimate of income for next 12 months.

 

A simple example

If your business year runs from 1 January to 31 December, then your self employed income for 2012 would be used to calculate your HB/CTB for 2013.

If your business income increases half way through 2013, then this would be taken into account when they calculate your HB/CTB for 2014.

 

The best advice to avoid overpayments is to provide your self employed accounts at the end of each financial year to allow your HB/CTB to be reassessed.

 

If you are currently expected to pay £26 per week towards your rent on £100 S/E income per week, then assuming you have no other changes, you would be expected to £58.50 per week towards your rent on £150 S/E income per week.

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jadeybags

jadeybags

Posted
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Posted

Ok, that makes sense then.

As I only went self employed in april 2012, they had to get me to do an 'estimate of earnings form'? I had to pretty much guess what I would earn. I said £100 per week. Then I had to take my first months accounts in when I had them. My april to May accounts showed I only made about £60 per week, but they still left my housing benefit based on the £100? So that's ok isn't it?

They are so not on the ball at my LA, is it likely i'll need to get onto them for a review this april or should they contact me?

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id6052

id6052

Posted
Posted

I would also advise being pro-active in sending in the info yourself, this has two advantages

 

  1. if your self employed income has increased, telling them promptly will reduce risk of overpayments
  2. if your self employed income has decreased, telling them promptly will reduce risk of loss of any extra benefit you may be entitled to

If you have found my post useful, please click on the star at the bottom of my post and add some reputation points.

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jadeybags

jadeybags

Posted
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Oh, and Jadeybags, I know you've been through the ringer, and so you will photocopy everything you send and send via recorded delivery!

 

Ooooh yes, I take everything down there personally. I still have the receipt for my April accounts they have kept hold of.

I need to ring HMRC monday as some people have done their self assesments, & I haven't heard a thing from them! I am assuming at the moment that I haven't been self employed long enough, but I didn't think they waited a full year :\

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