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    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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Putting earnings back into business


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Hi I've been working hard for the past year trying to set myself up in business as a sole trader, and finally I think I might have got my foot in the door with a very important client that could secure me maybe even a minimum liveable income for potentially life.

 

I have some questions.

 

From the perspective of the benefits I currently am in receipt of, ie. working tax credits and housing benefit, can I take some of the money from what I'm paid and put it back into my company?

 

What do I keep aside for the tax thieves, 20%? Or should I save 30% to cover myself?

 

Is there any where on the internet or elsewhere i can find out a rough idea of how much money I should negotiate?

 

I don't want to over or under, just a little over the going rate and not too much that I turn them away. Do these things tend to work like they do on the telly?

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Trying to get my head around the question, do you mean at point 1 does your gross takings (business income) affect your benefits and will it be different if you reinvest money into the business?

Well, when you do your accounts you will have i&e colums on your accounts and any business expenditure is deducted from the income to give you a net income figure. deductable things will include rent, utilities, travel, cost of materials andmachinery. Now, for tax credits purposes you can deduct all expenditure from the gross income and that is the figure you use as YOUR income. For HB, it is a little different. They do not take into account things like capital purchases and otherwise claimable motoring expenses so a painter and decorator cannot claim for purchase of a vehicle and running expenses of that nor depreciation on capital assets.

Assuming you are working from home and arent claiming for vehicle expenses then your net income will be the figure you will use without too much complication.

For tax purposes you will get a tax allowance as everyone does of £10 000 for this tax year. Another allowable deduction for taxable income purposes is any student loan payments you make so pay off £1000 and you caneffectively have an income of £11 000 before you start to pay tax. The National Insurance thresholds are different and there are 2 classes of NI contributions that you will have to take into consideration, class 2 and class 4.

Estimate your net income and keep aside 30% of anything over £10k for tax and NI

As for how much to charge for your time and effort, you have to decide what it is worth. How long each week will you spend on this contract? will you have to travel to meeting or site visits? What are your establishment costs (things you have to pay regardless of income such as rent/rates etc). How in demand is the skill you are offering? none of thsi can be answered here so you will need to make the calculations yourself. Whatever you do though, dont undersell yourself as that is a common and costly mistake.

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That's why I haven't mentioned money yet. If i oversell myself too much as well they might go somewhere else. I'll have to look into that.

 

So are you effectively saying if my gross income in £13k and I decide to use £4k of that to pay of my student loan, then it would effectively be me sort of only paying £1k and redirecting the other £3k from money which would otherwise be taken by the Inland Revenue, so in theory I can sort of fund my own education 20 years in the past from my own taxes that I pay now?

 

What about Open University, can I channel money into that?

 

What am I like, I'll be investing in off shore bank accounts next. I don't even know how much they'll pay me, I think a liveable wage for 1-2 days work per week could be attainable here, and then I'm free again.

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If you want free dental treatment you apply to the dwp for a certifiacte to give you free prescriptions dentistry etc, not automatic.

Working abroad? you will have a different tax liability and allowance depending upon where you are. you may end up paying tax in both countries if you are residing there. You will still be domiciled in the UK though so cant avoid having to fill out tax return.

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  • 1 month later...

hello, I am a sole trader and have a little hair salon (purchase of goodwill) that I purchased in march. My sister took out a loan on my behalf to make the purchase.

I am currently on some housing benefit and also have put every penny into the business as I had no capital to buy any tools or equipment. The said loan repayments they would not be able to use in calculation of my housing in benefit. They also wrote to me on 18th November and have told me they have revisited my claim from April and now they were not going to allow 'expenses for new electrical, tools and equipment and furniture as regulations state that set up costs for a business are not allowable when caculation (yes this is how they spelt it!) income for housing benefit'. So I would be very careful before you start putting all your spare takings into your business or you may end up in the same trouble as me now with an overpayment! :(

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  • 2 weeks later...
  • 1 month later...

I was preparing myself to pay these at the end of January, however I just looked at the back of the form and apparently I can apply for a small earning exemption if my earnings are below £5885 for the year, for which I am somewhat relieved.

 

Do my earnings include working tax credits?

 

Secondly, I have been working with a client for several months on the basis that I will be getting paid soon on an on-going basis. It looks as though I will start getting paid in about a month, however I don't know how much yet. I would expect it will still be under £5885 for the year including tax credits if they count.

 

My main question is, if I put most of the money back into my business (which I expect to do) can I then discount that money as earnings?

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1.For NI purposes no.

2.How do you mean put the money back into the business? If you actually spend it on business items (plant, computer, rent etc) then the amount spent is deducted from the gross earnings and what is left over is YOUR earnings/profit and that attracts NI and tax..

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Ok so pretty much all my earnings will be working tax credits and maybe a fraction more and so I can apply for this exception then? Flaming well hope so as I've been putting all my eggs in this basket in the hope that it comes to something, and it's taken longer than I though but should be worth it in the end.

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I don't believe you'd need to pay NI on tax credits.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thank you :-) it's been tough but I never thought I'd make it. I'm literally buzzing, even though I don't yet have a contract. I might even get something I wrote published, me who got a C in english at school. This is a great relief to know that I don't really owe them anything. I'll show them bahookies down the job centre haha

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Hope it works out for you. Sounds very exciting. :)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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