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    • 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
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
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Paying BnB Guests not Lodgers affects entitlement of Housing Benefit


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Hi i am self employed on a low income and claiming Housing Benefit on a 1 bed (2 room) flat in an inner london brma.

I have been renting one of the rooms out to a lodger on a permanent basis and receiving the 2 bed rate minus income deductions from the lodger.

I would like to begin renting the room occupied by my lodger on a less permanent basis, to paying BnB visitors for weekend.

 

Is this possible and what would be what is the best way to go about this without creating a change of circumstances every weekend that I have a paying visitor?

 

All i can find is that there isn't any distinction at all in the regulations between a lodger and a temporary BnB guest

- a 'lodger' is defined as 'someone who is liable to pay you or your partner rent, on a commercial basis, to live in your home'.

 

There's no clarification on what 'to live in your home' means, and this means that it's quite possible that any paying weekend guest will be treated the same as any other lodger, and this may potentially mean that I have to notify the council of a change in circumstances frequently.

 

Could i incorporate the business' under my self employed umbrella that does not interfere with my award which would be single occupancy with 1 bed LHA.?

 

Would really appreciate any concrete info please. Thanks in advance.

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If I recall correctly, there is definitely a distinction in Housing Benefit that says it has be the lodgers "Main Home". As it would not be a temporary paying guests "Main Home", perhaps there a chance I wouldn't need to declare/notify of the short visit and only declare the income with my self employed? Declaring a BnB would be something I'd want to totally avoid though also it seems.

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Well running a B&B would be classed as a business.....if you opted for it to be a legit business ?

We could do with some help from you.

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That doesn't concern me too much from a Benefits point of view, as there is still part of the home that I occupy, live, sleep in that isn't used for the business. Its more this bit i hadn't thought about..

 

"by declaring your self a B&B you may be required to join the tourist board, have inspections made, carry out fire risk assessments, third party insurance etc"

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"by declaring your self a B&B you may be required to join the tourist board, have inspections made, carry out fire risk assessments, third party insurance etc"

 

Well thats the legal requirement to ensure your guests are safe..Im sure you wouldn't want to be responsible for any potential dangers and put your guests at risk?

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From the web...

 

Turning your home into a bed and breakfast is both simple and complex. On the one hand a small B&B won’t need the same sort of infrastructure a large hotel would but on the other you can’t simply open your doors to the paying public without making some changes.

 

From the legal requirements for starting a bed and breakfast to the things you don’t need to cover but really should, here is a short list of some of the changes you will need to make if you are setting up a bed and breakfast in your home.

 

Kitchen hygiene

 

An outbreak of food poisoning could be an end to your B&B dream, so hygiene in the kitchen is a priority. The Food Standards Agency will class your B&B as a fully-fledged ‘food business’ too.

 

Your local Environmental Health office should be your first port of call but the basic equipment you’ll need will include colour-coded chopping boards, a food hygiene diary and a qualification in food hygiene. The latter can be done simply and cheaply online, so don’t get too hung up on the need to study and sit an exam!

 

You’ll be inspected and given a star rating that must be displayed in your front window.

 

Fire regulations

 

Fire regulations are mostly a matter of commonsense but a few of them still caught us out. As an example, we had to reinforce the bedroom doors to form a more resilient barrier and to help slow the spread of fire: your local fire officer will be able to help identify what needs doing in your home.

 

We also had to add locks that could be opened from the inside without having to use a key and a plan that shows our visitors what to do if they smell smoke, see a fire, or hear the fire alarm.

 

You’ll also need to do a fire risk assessment to work out what sort of fire extinguishers you’ll need and where you’ll need to put them. The same goes for the number and location of smoke and fire alarms and fire blankets.

 

Someone from your local fire brigade will then inspect your house and certify you for a period of time. We get inspected every two years and while I’m not saying it’s a pleasure, it is never as grim as we think it will be.

 

Emergency lighting

 

If, God forbid, you do have a fire then you might lose your electricity and hence your lighting. We found some clever torches that you leave plugged into the mains to keep them charged and if the power is lost they light up.

 

You might find another solution but you will need something. You’ll also probably need some way of showing them where the fire exits are. Again, your fire officer will be able to help you plan an escape route.

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"by declaring your self a B&B you may be required to join the tourist board, have inspections made, carry out fire risk assessments, third party insurance etc"

 

Well thats the legal requirement to ensure your guests are safe..Im sure you wouldn't want to be responsible for any potential dangers and put your guests at risk?

 

it doesn't strike me that all of those are immediately related to safety, but yes i would ensure safety etc met the standards of the hosting service used to source the guests.

Edited by jems97656
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OK this is all great info around the legalities of the BnB thanks guys. I know about rent a room scheme, tax etc and will definitely be reading through all of safety regs etc.

 

Now does anyone know how a "Visiting Paying Guest" who does not use the room as their "Main Home" affects entitlement to Housing Benefit as appose to a "Lodger" who does use the room as their "Main Home" ? Not in an income sense etc but in a Circumstances sense. This is my main query.

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You obviously don't know my LA! I have posted the question to Shelter and LA both see it is as grey area. In the past I have found LA and CAB not as useful as Rightsnet and such discussion boards. From research and a few forum posts it seems there are a couple of ways it could be interpreted.

 

I was hoping there would be some experts on here to discuss with. I would post on Rightsnet but I am sadly not an advisor! :)

Edited by jems97656
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Yes, i see your point,

though I'd rather not think of it as a "scheme" if you please.

 

As I said I am currently self employed, on a low income.

 

I already have a permanent live in lodger, this is perfectly allowed, and encouraged if you can't make the full rent.

 

I just want to make my life a bit easier by not having someone there all of the time but still making enough to get by and meet my full rent as the max LHA rate your receive for the area is £80 pw below current average rentals in the area.

 

It is no my idea of enterprise or a scheme to kip down in one room with a stranger bobbing around in order to make ends meet.

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be aware that if your status of self employment is not 'running the BnB' but some other trade

you could be on sticky grounds....

 

are you 'sole trader' with regard to the BnB?

 

if so

I've seen two differing LA's treat things in 2 differing ways...

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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who owns your flat? Many leases forbid this.

If you are a tenant you can bet your botton dollar the tenancy forbids it.

 

If you are allowed by the tenancy then you will have to register it as a BnB with the LA and you will be paying business rates on the property and only renting at weekends will make no difference.

 

Also you have to consider things like fire regs ,

a second TV licence for the room

whether the food hygiene people want you to alter your kitchen to fit in with their safety standards and so on.

 

You really havent thought this through properly, have you?

 

Stick to having a lodger and no hassle

councils go though AirBNB to see if people are abusing their properties or arent declaring income in cases like yours.

Edited by honeybee13
Paras
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You really havent thought this through properly, have you?

 

 

And you havn't read through properly have you? As i keep reiterating, i'm only looking for how the LHA entitlement is affected by the circumstance in such a case.

 

a second TV licence for the room

 

why is watching TV in 2018 in an airbnb room in central London!

 

It seems some of you guys don't get the original intended vibe of international room surfing . Remind me not to give out party invites on here :)

Edited by jems97656
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post above edited

please read our forum rules....

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you repeat that you are only looking for advice on how your benefits will be affected

- well the asnswer lies in all of the other bits you dont want to hear about.

 

As said, you havent thought this through and people are not here to help you break the law and we dont want to be giving advice to you as a homeless person in 6 months time because you are either too ignorant or too arrogant to consider the pitfalls of your plans.

 

To answer you question about the HB aspect,

the council may determine what your income is from this venture and it is for you to prove that they are wrong so they WILL say that you are earning £99k a year from this and you will have to produce proper certified accounts that show otherwise.

 

Your tax return wont suffice and the appeals process still requires you to provide all of the information and permissions as outlined, will take at least 9 months and you wont get a penny until the matter is settled at a tribunal. If you lose the tribunal that stops you from applying for HB for another 6 months after that. Been there so know it is so

 

Obviously any other benefits or allowances you get will be affected in the same manner as well.

Edited by dx100uk
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