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    • Don't think you have to inform Universal Credit of the Small Business Grant Scheme.  Reason is that it is supporting the business via local authorities, which is why it has been paid into a Business account.  It is not the same as the sell employment grant being paid out from June 2020, which is going to be treated as earnings for Universal Credit purposes.   DWP are updating the following linked page with any Coronavirus information related to Universal Credit.   As you will see the Small Business Grant Scheme is not noted.   https://www.understandinguniversalcredit.gov.uk/coronavirus/   You mention the Business is hers and why should you be affected.  Under Universal Credit, as a couple living together, your claims have been linked together as a benefit unit ( you don't have any choice, couples who live together have to have linked couple claims).  When UC issues the statement, it will be both of you as a benefit unit.  Therefore all of your joint information will affect how much UC you receive.  For example your state pension will appear as another benefit deduction, so will affect how much you receive as couple claimants.   Have a read of the Understanding Universal Credit website if you need more information on the benefit.
    • Hi  I do apologise as I don't know where to put this question.   My wife is self employed and her business is closed to to Covid 19. She has lost all future bookings  and has no earnings. I am retired with a State Pension. We have applied for Universal Credits which has been granted - payment middle of April , so that's great. We applied for the Small Business Rates Grant - £10,000 to help with business expenses - she intends to open trading again  ASAP, and there are obviously supplier contracts and services that need to be paid for, plus we modernised premises this year ( as we had lots of bookings) and our personal Credit Card debt is approx £9500.   To my surprise they have granted this and are paying money into her business account.   I know we would have to notify Universal Credit about the Grant, but would she still be entitled to U.C payments? The business is hers , so I presume I am still eligible for U.C   Many Thanks thedrunkenmonkey
    • Neighbour who has garden at end of mine (fence to right as they look down their garden but crosses various gardens as I look down from my house) is requesting that I repair a damaged fence as her dog keeps coming into my garden.   Am I responsible to repair it (my part of fence)?    I have looked at various websites but not very clear.   Neighbour said they erected and put up a fence to their left as they look down their garden but stressed that I was accountable for part of fence to the right.   Thank-you for looking at would appreciate any guidance for confirmation.    
    • Are you or do you wish to use the vehicle until we succeed with arguing and you succeed in VT?
    • Hi I hope all are ok in these trying times. I assume most of us will be in the same situation with employment etc.   I am obviously still intending to follow through my complaint against MB. However I do have to make decisions as I have found myself as will most people at this time left with a reduced minimal income, with all I can forsee is an impending up hill struggle for the forceable future.   So not sure what, if any options I still have, I am presuming VT was only an option earlier on and a court CO excludes that option,    I cant continue to honour the finance payments and cant even begin to estimate any timescales I would be again financially stable.   im trapped but want, no I need to get rid of MB all together, they can have the car and I learned the expensive way!   MB recently emailed a letter (which is copied below) in it they refer to a recent termination, this is the part that is very confusing as its my understanding they terminated the agreement in March 17.   They also inform they have placed the collections on hold, but then heres the cheeky bit, they do however want me to store the vehicle, tax and insure it, as per the agreement (the agreement that they already state was terminated) until they continue with their collection process;   Due to the Coronavirus (COVID-19) pandemic currently affecting the UK and wider world, we’re emailing to update you on what will now happen regarding the collection of your vehicle, following the termination of your Moneybarn vehicle finance agreement.   We won’t be collecting the vehicle at this time Normally, following termination of your agreement, we would arrange for an inspection and collection of the vehicle. However because of the current Government imposed lockdown, we are not currently able to collect vehicles until further notice.   What will happen next? Nothing for the moment. We’ll contact you as soon as there are any developments in the Government’s stance and we know that we’re able to resume our normal vehicle collection activity.   What do you need to do? We would appreciate if you can please keep the vehicle taxed and insured for the time being, as per the terms and conditions of your finance agreement. We hope this information is helpful and clear. Please stay safe and well, and if you need to contact us with any questions, please check out the latest information on the best way to reach us at   So they state termination, then expect to lay down instructions for me to comply with as per my finance agreement T&Cs. To look after the vehicle that they do intend to continue collection of.   If everythings terminated and in other words I have no right to the vehicle, Im not prepared to comply with instructions in line with a non existent agreement (I dont have to) and have a good mind to charge them storage.   However l would much rather just leave the car, send off V5 to change ownership and be done with it and concentrate on getting justice for their mistreatment.   
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Conniff

Today Is The 12th Safer Internet Day (sid).

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Is this the first time you’ve heard about SID? No worries. The video below will brief you on what it’s all about, focusing on this year’s theme“Play Your Part for a Better Internet”.

 

 

 

More Than an Invitation, It’s a Challenge

 

In 2015, Insafe, the organization behind the SID global campaign, came up with the slogan “Let’s Create a Better Internet Together”. Although the current and previous themes are essentially not that different, the former’s tone and scope have indeed changed from merely inviting, which anyone can easily turn down, to challenging and reminding Internet users that they can make a difference, no matter how small the effort.

 

We think it is the perfect message that can drive one to respond with greater seriousness and vigilance in taking care of not just what we say online but how we, as privacy- and security- conscious citizens of the Web, should generally respond to the growing sophistication and prevalence of digital threats like exploits and ransomware against businesses and consumers of all ages.

 

 

 

 

Threats in the UK: A Brief Review

 

To help further foster this call for UK citizens to get involved in creating a better and safer online experience, let us refresh ourselves with a four-point list of worrying security findings from previous months that hit the news:

 

 

 

•A report in mid-2015, our friends at Symantec named the United Kingdom as the most targeted and cyber-attacked nation in the whole of Europe, with a third of them targeting small- to medium-sized businesses.

 

•The National Crime Agency (NCA) revealed that the UK lost £16 billion to cybercrime and cyber-enabled crimes. One of the main concerns of the organization is the rise of mobile malware due to the increasing number of apps being used for financial transactions. A rife market of users depending on the Internet to procure of goods and services online also proved to be attractive to online criminals.

 

•Speaking of mobile, Ponemon surveyed hundreds of individuals in the UK and reported that majority of Brits would prefer losing their wallets than their smartphones—not because of the value of their device but what is found in it. In fact, they have assessed the data in their smartphones would cost around £6.5 thousand. Although they put great value and importance to their devices, 47 percent of those surveyed don’t think that having data protection features on phones are needed.

 

•In November alone of 2015, the UK was attacked by 1,200 types of malware families. Topping the count were variants from the Kelihos Trojan, the Necurs backdoor, the Bedep Trojan, and the Conficker worm.

 

To add more to the above, our telemetry data has showed that in last 12 months, a total of 154.5M malicious files and 138.2M potentially unwanted program (PUP) have been detected from machines based in the UK.

 

Read More

Edited by Conniff

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•A report in mid-2015, our friends at Symantec named the United Kingdom as the most targeted and cyber-attacked nation in the whole of Europe, with a third of them targeting small- to medium-sized businesses.

 

Could that be good news in that the UK is worth targeting as it is the richest or, obversely, could it be that the people in the UK are more stupid than the rest of Europe and so easy targets.

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This was on the BBC news earlier on.

 

http://www.independent.co.uk/news/uk/home-news/safer-internet-day-more-than-three-quarters-of-under-13s-using-social-networks-like-facebook-and-a6862346.html

 

I found it very interesting that children under 13 are not supposed to be able to access these.

 

 

More than three quarters of British children aged between 10 and 12 are ignoring age limits to set up their own social media accounts, putting them at risk of online bullying and abuse, a survey has found.

 

In research to mark Safer Internet Day, the BBC’s Newsround programme revealed that Facebook was most widely used by under-13s, followed by Instagram.

 

Out of around 1,000 children and teenagers between 10 and 18 interviewed, more than one in five said they had been bullied online but still found social media to be an important part of everyday life.

 

Presumably parents of these children will then start screaming that there should be more control if their youngsters are either bullied or groomed ??


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I think that is a silly rule, how is it ever going to be policed. Any one of any age can sign up to any type of site they wish just by saying 'yes' to are you over 13.

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