SAAFE forum

General Category => Questions and Answers => Topic started by: GucciGang on 26 March 2020, 05:14:03 pm

Title: Help for (some of) the self-employed announcement at last - UK
Post by: GucciGang on 26 March 2020, 05:14:03 pm
As has just been announced self employed are being covered up to 2500 a month on a net income of under 50k a year. So I was almost correct on my figures.
The unfortunate thing was it’s not being paid until June that was a bit of a blow. I thought it would be sooner than that.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ladyofthemansion on 26 March 2020, 05:16:59 pm
Need a tax return for 2019 submitted within next four weeks to qualify for taxable grant of 80% of income up to 2,500 per month for next three months.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: xw5 on 26 March 2020, 05:32:50 pm
"Self-Employed Income Support Scheme" will pay 80% of average profits over the past three years, up to £2,500 per month, for at least three months, IF your annual profit is not more than £50,000 AND the majority of your income is from self-employment.

If you've made more than that or this has topped up other income, it appears the attitude is 'tough'. If you don't have at least one year's tax return, it appears the attitude is 'tough'. If you haven't yet done a 2018/19 return, which was due in Jan this year, you've got about a month to make one.

There will be a "simple online form" where you apply to HMRC for this. They will then pay the grant straight into your bank account. The grant is taxable.

It might just be applicable to England & Wales, rather than the whole of the UK - certain announcements have been different in Scotland in particular.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: xw5 on 26 March 2020, 05:39:22 pm
Need a tax return for 2019 submitted within next four weeks to qualify for taxable grant of 80% of income up to 2,500 per month for next three months.

For those who were good, I suspect you can't go back and amend what you submitted in January.

Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Ann on 26 March 2020, 05:39:46 pm
"Self-Employed Income Support Scheme" will pay 80% of average profits over the past three years, up to £2,500 per month, for at least three months, IF your annual profit is not more than £50,000 AND the majority of your income is from self-employment.

If you've made more than that or this has topped up other income, it appears the attitude is 'tough'. If you don't have at least one year's tax return, it appears the attitude is 'tough'. If you haven't yet done a 2018/19 return, which was due in Jan this year, you've got about a month to make one.

There will be a "simple online form" where you apply to HMRC for this. They will then pay the grant straight into your bank account. The grant is taxable.

It might just be applicable to England & Wales, rather than the whole of the UK - certain announcements have been different in Scotland in particular.

Just seen it. Really pleased and happy. May be singing to NHS on my balcony at 8pm.  ;D
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: xw5 on 26 March 2020, 05:49:48 pm
What they're not singing from the balconies about is that it looks like everyone who qualifies will have to wait until June for any payment. Nothing from this in March, April and May.

On the plus side, at least very few escorts will have been working as directors of their own limited liability company for this (prostitution is not a lawful business for companies to be involved in) because they don't qualify either: they need to look to the business interruption LOANS and universal credit.

Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: xw5 on 26 March 2020, 05:54:34 pm
Ah, in June, people who qualify will get three months' of money, i.e. it will be effectively backdated. But that's still waiting until June.

They're also noodling about changing the taxes that self-employed people pay, i.e. increasing them to match what people on PAYE pay, in future. This should include allowing self-employed people to qualify for all the benefits that PAYE gets you, but that bit hasn't been mentioned.

Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: EveEveEve on 26 March 2020, 06:00:31 pm
Is the application form available now? Or something they’re setting up
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: xw5 on 26 March 2020, 06:14:15 pm
"Individuals should not contact HMRC now. HMRC will use existing information to check potential eligibility and invite applications once the scheme is operational."

gov.uk/government/news/chancellor-gives-support-to-millions-of-self-employed-individuals

I suspect the June date for payments is an indication that it's going to be some weeks before it is.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: DarcyLady on 26 March 2020, 08:57:00 pm
I have a feeling that we won't be able to apply till June.. :-\
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 26 March 2020, 09:32:46 pm
I have a feeling that we won't be able to apply till June.. :-\

As Ian said, HMRC will contact those eligible and we will be able to fill in a form then (I assume with bank details on and suchlike). It's plastered all over the .gov website and they're sending out emails too - I've had two already :).

EDIT: I've now had three :D
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Ann on 26 March 2020, 10:06:35 pm
and they're sending out emails too - I've had two already :).

Me too. They are clearly stating:

Self-employed people do not need to get in touch with HMRC as the scheme isn’t yet open for applications. HMRC will contact eligible customers by the beginning of June, inviting them to apply
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 26 March 2020, 11:48:14 pm
Will we have to pay this back at some point? Some people say we do  :-\ Loans etc you have to pay back ... didn't think the same applied with grants.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Philipa on 27 March 2020, 12:16:08 am
Will we have to pay this back at some point? Some people say we do  :-\ Loans etc you have to pay back ... didn't think the same applied with grants.
The grant is taxable, so HMRC will get some of it repaid through taxes.
When you do 2020/2021 tax returns, the grant is added to your income. Hope that makes sense...

Grant or not, I'm just glad to be able to defer my July tax payments to January 2021!
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: MsRedhead on 27 March 2020, 01:21:39 am
For those who were good, I suspect you can't go back and amend what you submitted in January.
I am one of those fools
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: geordie on 27 March 2020, 06:50:39 am
Edit: Never mind
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 27 March 2020, 07:38:22 am
The grant is taxable, so HMRC will get some of it repaid through taxes.
When you do 2020/2021 tax returns, the grant is added to your income. Hope that makes sense...

Grant or not, I'm just glad to be able to defer my July tax payments to January 2021!

Ah, yes, that makes sense ... thank you  :-*
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: naynay91 on 27 March 2020, 10:45:31 am
I've been self-employed for less than a year and have no tax returns yet so I'm basically screwed and will have to settle for universal credit which is a measly £400-ish a month. Now I'm really worried.  :'(
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Caledonia on 27 March 2020, 12:49:15 pm
I doubt I will hear from them as my income from escorting is so low anyway and I don't work regularly.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: geordie on 27 March 2020, 01:28:14 pm
I doubt I will hear from them as my income from escorting is so low anyway and I don't work regularly.
I think I may well be in the same boat but will wait and see. Previous years weren’t so bad so maybe that will boost my average, I’ll have to work it out properly
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: DaisyDuck on 27 March 2020, 09:16:34 pm
What they're not singing from the balconies about is that it looks like everyone who qualifies will have to wait until June for any payment. Nothing from this in March, April and May.

On the plus side, at least very few escorts will have been working as directors of their own limited liability company for this (prostitution is not a lawful business for companies to be involved in) because they don't qualify either: they need to look to the business interruption LOANS and universal credit.

Employees of Ltd companies will be covered by grants that cover 80% of wages.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: francesday on 28 March 2020, 12:09:51 am
I've been self-employed for less than a year and have no tax returns yet so I'm basically screwed and will have to settle for universal credit which is a measly £400-ish a month. Now I'm really worried.  :'(
Same boat. UC doesn't even cover my rent. Desperately worried. Sole traders are at their most vulnerable just after starting up, I don't know why they've hung us out to dry like this.  :-[ :'(
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 28 March 2020, 12:57:09 am
Same boat. UC doesn't even cover my rent. Desperately worried. Sole traders are at their most vulnerable just after starting up, I don't know why they've hung us out to dry like this.  :-[ :'(

Frances (and others) could you talk to your bank? You'd likely need to open a business account which does cost more long term if you keep it, but they often have good packages for new business startups and you might be able to get some help (including the business interruption loan mentioned above if they're one of the participating lenders), especially if you have a bit of history with them - a cheap/free overdraft even? But I'd do it right away before everybody else does :).
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: francesday on 28 March 2020, 02:06:16 am
Frances (and others) could you talk to your bank? You'd likely need to open a business account which does cost more long term if you keep it, but they often have good packages for new business startups and you might be able to get some help (including the business interruption loan mentioned above if they're one of the participating lenders), especially if you have a bit of history with them - a cheap/free overdraft even? But I'd do it right away before everybody else does :).
Thanks Amy! I have a business account with Monzo but from what I can see they aren't offering the CBIL, so I'll look into setting up one with my home bank. I was approved for a low rate overdraft earlier this month, so I have a bit of hope there.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: zara12345 on 28 March 2020, 08:14:34 am
A friend who is also self employed has told me she can’t apply for UC as it will affect the payments coming in June and the grant the self employed can apply for. Does anyone know if this is true? What are you supposed to live on until June if this is the case ?

Thanks x
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: sultress000 on 28 March 2020, 09:19:07 am
A friend who is also self employed has told me she can’t apply for UC as it will affect the payments coming in June and the grant the self employed can apply for. Does anyone know if this is true? What are you supposed to live on until June if this is the case ?

Thanks x
No i dont believe this is true.
Martin Lewis was asked this question and categorically said it is fine to apply for universal payment in the meantime.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: burly burlesque on 28 March 2020, 01:31:05 pm
Yes it says on the HMRC website links etc that in the meantime apply for Universal Credit. What I am not sure about is whether or not this will then be minused from whatever you are due or entitled to in June (or earlier if they can get the scheme up and running earlier), although I imagine so, I guess there is little precedent for any of this.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Cat_BBW on 28 March 2020, 02:08:31 pm
Yes it says on the HMRC website links etc that in the meantime apply for Universal Credit. What I am not sure about is whether or not this will then be minused from whatever you are due or entitled to in June (or earlier if they can get the scheme up and running earlier), although I imagine so, I guess there is little precedent for any of this.

It's likely it will work in the reverse - what you get from the self employed grant (which is a taxable income, as though you had worked for it) will be deducted from your future UC.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: burly burlesque on 28 March 2020, 02:43:11 pm
It's likely it will work in the reverse - what you get from the self employed grant (which is a taxable income, as though you had worked for it) will be deducted from your future UC.

I think I see what you mean. Although I’m hoping by June I’ll be back at work cross keys!  :)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lushblossom on 29 March 2020, 09:14:35 am
As I haven't been paying tax as I have been down as part-time all these years with my tax returns and Child Tax Credit claims do I assume I won't be getting the 80% of average profits paid from the Self-Employed Income Support Scheme?

I assume I don't qualify for a thing.  I am already getting barely any work except for 2 hours Monday in a v small hotel locally.

I have received the general email from the government but nothing other than that.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 29 March 2020, 10:39:58 am
As I haven't been paying tax as I have been down as part-time all these years with my tax returns and Child Tax Credit claims do I assume I won't be getting the 80% of average profits paid from the Self-Employed Income Support Scheme?

I assume I don't qualify for a thing.  I am already getting barely any work except for 2 hours Monday in a v small hotel locally.

I have received the general email from the government but nothing other than that.

You should still get 80% of your average monthly profit for the last three years LB - it's nothing to do with hours worked and I doubt many of us do 36-40 hours a week. So if you average monthly profit was £500 you would have been well under the income tax threshold but you ought to still get 3 months worth of £400, so £1200 as I understand it.

That said, and aa we've been at pains to point out (with a limited degree of success, admittedly), this isn't the best place to ask, and either a finance resource like moneysavingexpert or the HMRC site itself would be a lot more useful.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 29 March 2020, 12:17:20 pm
You should still get 80% of your average monthly profit for the last three years LB - it's nothing to do with hours worked and I doubt many of us do 36-40 hours a week. So if you average monthly profit was £500 you would have been well under the income tax threshold but you ought to still get 3 months worth of £400, so £1200 as I understand it.

That said, and aa we've been at pains to point out (with a limited degree of success, admittedly), this isn't the best place to ask, and either a finance resource like moneysavingexpert or the HMRC site itself would be a lot more useful.

I haven't received the general email I have heard referred to both here and in other places [on the internet], however had a look at the HMRC website this morning. There's a fairly good explanation on there about the scheme, how it will work, as I understand it people who's PAYE income from an employer exceeds that of their self-employed  income may not qualify for the SE scheme. Looks like government will cover 80% of one (either SE or PAYE) but not the other.

Apart from that it's based on profit averaged over 3 years, divided into a monthly income. Other stipulations are that your business has been affected by the CV-19 situation, which I guess being told not to travel unless essential nor to get within 2m of people not in your household as well as enquiries reducing definitely qualifies!!!!

I am guessing they'll want to just whack it out plus of course it'll end up on our tax returns as income, so for those who do get over the taxable allowance they'll get some of it back that way.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 29 March 2020, 12:23:56 pm
I haven't received the general email I have heard referred to both here and in other places [on the internet], however had a look at the HMRC website this morning. There's a fairly good explanation on there about the scheme

Thanks Mirror - I haven't looked because I wasn't sure how long it would take for the site to be updated but I'll read through it this afternoon. What I could really do with knowing is when in June we're likely to get it - there's a big difference between the 1st or 2nd and the 30th and things are going to be pretty thin around here by then.

Apart from that it's based on nor to get within 2m of people not in your household as well as enquiries reducing definitely qualifies!!!!

Yeah, that part pretty much stuffed it ;D
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lushblossom on 29 March 2020, 02:19:28 pm
Thank you very much Amy and Mirror for your input.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Nora batty on 29 March 2020, 03:41:21 pm
My accountant has emailed me stating the date to get any late accounts in to HMRC is 23rd April, anyone missing that deadline will not get the 80%.  But he thinks in his opinion that they will start giving the money at some point in May rather than June.  Hope he's correct as I didn't qualify for Universal Credit due to me having an accident prior to the Virus situation and would be off work for 3 months on crutches, so as I not fit for work I not able for UC.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: LittleMinx2 on 29 March 2020, 03:43:53 pm
My accountant has emailed me stating the date to get any late accounts in to HMRC is 23rd April, anyone missing that deadline will not get the 80%.  But he thinks in his opinion that they will start giving the money at some point in May rather than June.  Hope he's correct as I didn't qualify for Universal Credit due to me having an accident prior to the Virus situation and would be off work for 3 months on crutches, so as I not fit for work I not able for UC.

Do you need to do the tax return for 19/20? Like the one you submit in April this year? Just not sure if I have to file that ASAP or can wait.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 29 March 2020, 03:47:20 pm
Do you need to do the tax return for 19/20? Like the one you submit in April this year? Just not sure if I have to file that ASAP or can wait.

That's not due until the normal date of Jan 2021 (as far as I'm aware), it's the 18/19 due in January 31st 2020 which I understand is the crucial one.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Cat_BBW on 29 March 2020, 04:21:07 pm
My accountant has emailed me stating the date to get any late accounts in to HMRC is 23rd April, anyone missing that deadline will not get the 80%.  But he thinks in his opinion that they will start giving the money at some point in May rather than June.  Hope he's correct as I didn't qualify for Universal Credit due to me having an accident prior to the Virus situation and would be off work for 3 months on crutches, so as I not fit for work I not able for UC.

There's a "sick" component of UC so you may be entitled to that.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Caledonia on 29 March 2020, 05:57:45 pm
That's not due until the normal date of Jan 2021 (as far as I'm aware), it's the 18/19 due in January 31st 2020 which I understand is the crucial one.

So by the last 3 years they mean 18/19, 17/18, 16/17, rather than 19/20, 18/19, 17/18?
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 29 March 2020, 06:44:25 pm
So by the last 3 years they mean 18/19, 17/18, 16/17, rather than 19/20, 18/19, 17/18?

As I understand it yes  19/20 hasn't even finished yet, I don't think asking everyone to submit their tax returns now would be a great idea. Their systems struggle end of January having given 10 months to do so, and quite a few do submit over that time period. If everyone did it now at once, and on top of everything else I think it would be impossible.

The extended deadline as I understand it is for late submissions from last year.

Taken from the HMRC website from page about help for self-employed;

have submitted your Income Tax Self Assessment tax return for the tax year 2018-19
traded in the tax year 2019-20
are trading when you apply, or would be except for COVID-19
intend to continue to trade in the tax year 2020-21
have lost trading/partnership trading profits due to COVID-19
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Ann on 29 March 2020, 06:48:16 pm
So by the last 3 years they mean 18/19, 17/18, 16/17, rather than 19/20, 18/19, 17/18?

Hi Caledonia, yes that's what I've been told by my accountant we have to start from 2016/2017.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 29 March 2020, 06:58:37 pm
Hi Caledonia, yes that's what I've been told by my accountant we have to start from 2016/2017.

And yes that's what the website says, just didn't copy the whole lot. It's there on the HMRC website, there is a link 'Grants for the self employed' or something similar.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Caledonia on 29 March 2020, 07:15:13 pm
As I understand it yes  19/20 hasn't even finished yet, I don't think asking everyone to submit their tax returns now would be a great idea. Their systems struggle end of January having given 10 months to do so, and quite a few do submit over that time period. If everyone did it now at once, and on top of everything else I think it would be impossible.

The extended deadline as I understand it is for late submissions from last year.

Taken from the HMRC website from page about help for self-employed;

have submitted your Income Tax Self Assessment tax return for the tax year 2018-19
traded in the tax year 2019-20
are trading when you apply, or would be except for COVID-19
intend to continue to trade in the tax year 2020-21
have lost trading/partnership trading profits due to COVID-19

Did think that but then I had seen this years mentioned, so had got confused
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 29 March 2020, 08:04:37 pm
There is this statement on the HMRC site:

You cannot apply for this scheme yet.

HMRC will contact you if you are eligible for the scheme and invite you to apply online.

Individuals do not need to contact HMRC now and doing so will only delay the urgent work being undertaken to introduce the scheme.


Basically they're telling us that ONLY those who get contacted are eligible to the scheme?

Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: xw5 on 29 March 2020, 11:12:04 pm
I suspect they're going to look at who did at least a 2018/19 tax return as self-employed (but preferably 16/17 and 17/18 as well), subtract anyone who got more income from PAYE, and contact those who are left.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Glowstick on 30 March 2020, 02:14:27 pm
As far as I’m aware if you’re struggling to make ends meet until the payment in June, I.e. can’t put food on the table, the self employed can apply for universal credit/ESA ...only do this if you’re desperate though.

However my plan of action is to not pay my rent until the June payment has been received that way I can use the money I have got on other bills such as utilities etc. In these 3 months, go into your overdraft, spend on credit cards if you need to.

Watch Martin Lewis on ITV, He’s got a easy to understand programme about how to manage financially over this pandemic - well worth watching!
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lady Frog on 30 March 2020, 07:32:23 pm
If you've made more than that or this has topped up other income, it appears the attitude is 'tough'. If you don't have at least one year's tax return, it appears the attitude is 'tough'.

I started escorting full time on the 1st April 2019. When I registered with HMRC a few weeks later, this is the date that I (truthfully) gave them. So does this mean I'm not covered by the self-employed support scheme? I will submit my first tax return this year to cover 2019-2020. If anybody else is in the same situation and has any other information I would love for them to share it, please...
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ladyofthemansion on 30 March 2020, 08:01:23 pm
I started escorting full time on the 1st April 2019. When I registered with HMRC a few weeks later, this is the date that I (truthfully) gave them. So does this mean I'm not covered by the self-employed support scheme? I will submit my first tax return this year to cover 2019-2020. If anybody else is in the same situation and has any other information I would love for them to share it, please...

It’s too early to do 2020
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lady Frog on 30 March 2020, 08:12:07 pm
I know that, but what they seem to be saying is that unless you submitted (or are about to submit) a tax return for 2018-2019, then the 80% wages covered up to £2,500 will not apply, and basically I (and all the others in the same boat) will be entitled to nothing
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Ann on 30 March 2020, 08:13:10 pm
I know that, but what they seem to be saying is that unless you submitted (or are about to submit) a tax return for 2018-2019, then the 80% wages covered up to £2,500 will not apply, and basically I (and all the others in the same boat) will be entitled to nothing

You can apply for universal credit x
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lady Frog on 30 March 2020, 09:07:47 pm
Thank youx
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: English Green on 30 March 2020, 10:30:22 pm
I know that, but what they seem to be saying is that unless you submitted (or are about to submit) a tax return for 2018-2019, then the 80% wages covered up to £2,500 will not apply, and basically I (and all the others in the same boat) will be entitled to nothing

Speak to your accountant about it he should know a bit more. My one was a bit like we will know more later and is not sure of every detail yet but that was couple of days back.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lady Frog on 31 March 2020, 05:25:31 pm
I don't have an accountant, I decided to do my accounts for myself.

From what I can find on the gov website, to get universal credit when self-employed, you have to  prove you are in 'Gainful self-employment' and prove that 'your work is organised, developed, regular and in expectation of profit'

Normally there will be an interview for you to prove this, I would assume they want to see documentary evidence of how you run your business. They have suspended these interviews for the duration of the COVID-19 distancing measures and will take your word for it that you are gainfully self-employed.

But I'm worried that when the time period is up, they will want us to attend meetings to show that evidence, and if I can't provide good enough evidence I would have to pay the money back, or worse, get prosecuted for benefit fraud?? Obviously I didn't write a business plan for my escorting career... and I would rather not show them invoices, accounts, marketing materials etc... plus don't know if they would suffice...

Has anybody else recently done a UC claim and have any thoughts on this?
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: saltysweet on 31 March 2020, 05:57:55 pm
First I'd say get what emergency pay you're entitled to now and worry about the face to face later. Most people aren't benefits experts or lawyers so many people will make genuine mistakes on their forms, it's correctable. So I'd not panic about prosecution.

I don't imagine UC even have enough agents to tackle the tsunami of 5 million physical interviews. That's like 4.5 x Birminghams. My feeling is it might take months to skim the top if they do it the 'old way'.

Yes I recently experienced everything you mentioned. I had the interviews and demands for invoices several times.
The way they couch the questions can be confusing and get you stuck in the wrong category and denied benefit.

The whole point of going on benefit is that you can't support yourself isn't it?
So you're not gainfully employed are you?

I was pulling my hair out with UC demands-till I sat down with a Citizen's Advice lawyer for a couple hours. (You can ring also)
I suggest getting solid legal advice from Citizens Advice before you step into a UC building.
I did and Citizens guided me beautifully. I'm very satisfied.

(I also do my own accounts.I'm registered as something in health and well being field.)

Don't fret too much as the whole UC system is changing daily and who knows, it might be completely different in a few weeks :)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Bettyboo29 on 31 March 2020, 08:00:03 pm
SWARM hardship fun, Does anybody know about this? Vivastreet have asked for Donatiin to SWARM to help the hardship WGs face. Not sure if anyone can access help financially, Those who may end up homeless and not able to support family.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: xw5 on 31 March 2020, 11:13:06 pm
From what I can find on the gov website, to get universal credit when self-employed, you have to prove you are in 'Gainful self-employment' and prove that 'your work is organised, developed, regular and in expectation of profit'

What that translates as is 'be able to prove you have been living off the earnings of self-employment to some degree'. You don't need to be running a successful business - you might be still paying off start-up costs or your ad spend might have exceeded your income recently - but you have to expect that it will be financially profitable.

So having casual sex with lots of randoms wouldn't count - it's not in expectation of profit. Similarly, waving around a business plan for something you haven't started wouldn't count - it's not developed or regular.

I'd be astonished if anyone who's been doing indoor work for more than a month or two couldn't show this, if they're prepared to be out to the DWP as doing sex work: here are my ads, here's a record of how many bookings I've had over the past couple of months, here's - if you were working in March 2019 - my 2018/19 tax return.

Quote
I would rather not show them invoices, accounts, marketing materials etc... plus don't know if they would suffice...

I can't see that they wouldn't, but as I say, this is if you're prepared to be out to the DWP...
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Kay on 01 April 2020, 02:22:44 am
I think if you need the money, and you're registered with HMRC, it's not really much different giving the same info to the DWP?
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Ashley-XXX on 01 April 2020, 03:06:40 am
I just want to share my experience with applying for universal credit at the moment for anyone considering and concerned. I completed the form online and selected I am self employed. I arranged a time for a phone interview regarding my self employment - all 'interviews' are being done over the phone right now. You will receive a document ahead of time detailing what they expect you to bring for your self employment interview, but this was very obviously written before the current situation.

My 'interview' lasted maybe 10mins at max, they confirmed my details like name and address and then the only real question asked was "what is your self employment?" I chose to answer this with what I have registered for tax as, which is a personal assistant. No further questions or evidence asked. I was fully ready to have to email them copies of my accounts and things, but they didn't want anything. Didn't even ask how long I have been doing it for or how much I usually earn.

I think they have so many applications coming through at the moment that they are just speeding through the process.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: TheLastTime on 01 April 2020, 11:43:44 am
I just want to share my experience with applying for universal credit at the moment for anyone considering and concerned. I completed the form online and selected I am self employed. I arranged a time for a phone interview regarding my self employment - all 'interviews' are being done over the phone right now. You will receive a document ahead of time detailing what they expect you to bring for your self employment interview, but this was very obviously written before the current situation.

My 'interview' lasted maybe 10mins at max, they confirmed my details like name and address and then the only real question asked was "what is your self employment?" I chose to answer this with what I have registered for tax as, which is a personal assistant. No further questions or evidence asked. I was fully ready to have to email them copies of my accounts and things, but they didn't want anything. Didn't even ask how long I have been doing it for or how much I usually earn.

I think they have so many applications coming through at the moment that they are just speeding through the process.

Thank you so much for posting this.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: saltysweet on 01 April 2020, 03:12:21 pm
Great to know Ashley! Hope you get your monies.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lady Frog on 01 April 2020, 03:55:10 pm
The whole point of going on benefit is that you can't support yourself isn't it?
So you're not gainfully employed are you?

 ;D lol

Thank you Ian and Salty your advice is really really useful as always
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: saltysweet on 01 April 2020, 04:11:55 pm
 :) ahh! welcome
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 28 April 2020, 12:17:11 pm
This waa announced yesterday and so there isn't a lot of information yet, but it launches on Monday and I can't see anything that prevents us applying :)

[From the .gov page:]

Apply for a coronavirus Bounce Back Loan

This scheme will help small and medium-sized businesses affected by coronavirus (COVID-19) to apply for loans of up to £50,000.
Published 27 April 2020

From:
    Department for Business, Energy & Industrial Strategy

Contents

    Eligibility
    How to apply

This scheme is not available yet. It will launch on 4 May 2020.

The Bounce Back Loan scheme will help small and medium-sized businesses to borrow between £2,000 and £50,000.

The government will guarantee 100% of the loan and there won’t be any fees or interest to pay for the first 12 months.

Loan terms will be up to 6 years. No repayments will be due during the first 12 months. The government will work with lenders to agree a low rate of interest for the remaining period of the loan.

The scheme will be delivered through a network of accredited lenders.
Eligibility

You can apply for a loan if your business:

    is based in the UK
    has been negatively affected by coronavirus
    was not an ‘undertaking in difficulty’ on 31 December 2019

Who cannot apply

The following businesses are not eligible to apply:

    banks, insurers and reinsurers (but not insurance brokers)
    public-sector bodies
    further-education establishments, if they are grant-funded
    state-funded primary and secondary schools

If you’re already claiming funding

You cannot apply if you’re already claiming under the Coronavirus Business Interruption Loan Scheme (CBILS).

If you’ve already received a loan of up to £50,000 under CBILS and would like to transfer it into the Bounce Back Loan scheme, you can arrange this with your lender until 4 November 2020.
How to apply

The Bounce Back Loan scheme will launch on 4 May 2020.

More information about the scheme will be published shortly.
Published 27 April 2020
[End quote]

I poked about a bit and it seems likely that the loan can be for up to 25% of turnover or average turnover - I suppose they'll use the same time period as they do for the self-employed grant but this is just guesswork. It opens at 9am for anybody who wants to have a go :).

Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: EveEveEve on 30 April 2020, 02:12:13 pm
25% of turnover. Is that what we earned as a profit not everything we had as income right?
Sounds like an awesome scheme, sorry I missed you posting it above and hey again I’m thankful for this site I think I’d have otherwise missed the whole thing.

Is this alongside the 80% thing for self employed or instead of?
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 30 April 2020, 02:17:15 pm
25% of turnover. Is that what we earned as a profit not everything we had as income right?
Sounds like an awesome scheme, sorry I missed you posting it above and hey again I’m thankful for this site I think I’d have otherwise missed the whole thing.

Is this alongside the 80% thing for self employed or instead of?

Turnover is the whole thing (like with VAT), so it's your takings before expenses unlike the Self Employed grant next month which is calculated just on profit (so with that one if you have fixed costs like work flat rent, you're basically having to pay them again out of your profit).

I don't know how they decide on what constitutes an 'undertaking in difficulty' as it'll be based on criteria which we haven't been told, and it isn't clear how the simple online form they've promised will interact with the 'network of accredited lenders' mentioned, but it's something to try at least :).
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: EveEveEve on 30 April 2020, 02:18:22 pm
Turnover is the whole thing (like with VAT), so it's your takings before expenses unlike the Self Employed grant next month which is calculated just on profit (so with that one if you have fixed costs like work flat rent, you're basically having to pay them again out of your profit).

I don't know how they decide on what constitutes an 'undertaking in difficulty' as it'll be based on criteria which we haven't been told, and it isn't clear how the simple online form they've promised will interact with the 'network of accredited lenders' mentioned, but it's something to try at leaat :).

Aha, thanks for explaining. Another game of wait and see I guess. Thanks x
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 30 April 2020, 02:28:31 pm
Aha, thanks for explaining. Another game of wait and see I guess. Thanks x

I know :). It'll make a massive difference to me if I can get it so I'm really trying not to be too hopeful, but I'm looking at the page every day to see if any more information goes up and if it does I'll post it here.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: BangerRacing on 01 May 2020, 08:46:41 am
I don't have an accountant, I decided to do my accounts for myself.

From what I can find on the gov website, to get universal credit when self-employed, you have to  prove you are in 'Gainful self-employment' and prove that 'your work is organised, developed, regular and in expectation of profit'

Normally there will be an interview for you to prove this, I would assume they want to see documentary evidence of how you run your business. They have suspended these interviews for the duration of the COVID-19 distancing measures and will take your word for it that you are gainfully self-employed.

But I'm worried that when the time period is up, they will want us to attend meetings to show that evidence, and if I can't provide good enough evidence I would have to pay the money back, or worse, get prosecuted for benefit fraud?? Obviously I didn't write a business plan for my escorting career... and I would rather not show them invoices, accounts, marketing materials etc... plus don't know if they would suffice...

Has anybody else recently done a UC claim and have any thoughts on this?

I applied for universal credits because I've not received any letters from HMRC about the 80% grants. Although I've done my tax returns since starting escorting. I had a phone interview with my local job centre & Ive not been asked for any evidence of anything other than my identity.

Now I'm confused about weather I've done the right thing or not. If you do apply for UC, it needs to be done ASAP as they wont backdate.

Also remember to update the Tax credits office. I've received a hefty overpayments bill from them. You need to be brain of britain to understand this other antiquated system. Can't seem to update any of my changes online with them. Beyond frustrating.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 01 May 2020, 09:03:41 am
I applied for universal credits because I've not received any letters from HMRC about the 80% grants. Although I've done my tax returns since starting escorting. I had a phone interview with my local job centre & Ive not been asked for any evidence of anything other than my identity.

Now I'm confused about weather I've done the right thing or not. If you do apply for UC, it needs to be done ASAP as they wont backdate.

Also remember to update the Tax credits office. I've received a hefty overpayments bill from them. You need to be brain of britain to understand this other antiquated system. Can't seem to update any of my changes online with them. Beyond frustrating.

The contact for 80 percent grants won't start until mid May - this is on the HMRC website.

https://www.gov.uk/guidance/claim-a-grant-through-the-coronavirus-covid-19-self-employment-income-support-scheme
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 04 May 2020, 07:13:11 pm
I applied for the bounce back loan this morning - it was very straightforward and there is a list of FAQs here:

https://www.british-business-bank.co.uk/ourpartners/coronavirus-business-interruption-loan-schemes/bounce-back-loans/faqs-for-small-businesses/#f17

The list of lenders is currently just major banks as far as I remember, but they will be adding more as they go for those who can afford to hang fire for a bit. I chose Santander as I have an account there which makes it easier, but I need to send them my most recent tax return (these are easy to download from the HMRC site) because it's a current account and not a business account. You can borrow up to 25% of your turnover from the year 2018-19 but it's rounded to the nearest thousand (so if it's £10,001 you can borrow £10K, but if it's £9999 you can only borrow £9K, if that makes sense :)).

If the lender you choose turns you down you can pick another and try again, and they say that we should hear within 24 hours. Mine will take slightly longer because of having to send the tax return, but the scheme is designed to let businesses access money quickly so hopefully not more than a week or so.

Fingers crossed.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 04 May 2020, 07:21:25 pm
The contact for 80 percent grants won't start until mid May - this is on the HMRC website.

The online tool for checking eligibility is now online here: https://www.tax.service.gov.uk/self-employment-support/enter-unique-taxpayer-reference

You will need your UTR/tax reference number (don't put it in with the letter on the end - I did and it doesn't work until you just use the digits ;D) and your National Insurance number. It will tell you right away whether you're eligible and that if so you can claim from the 13th of May.

You must have a Government Gateway account to claim this and they can take a few days to set up because they send a code in the post (or they used to) to activate it, so anybody who wants to claim and doesn't have one needs to crack on with that now.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: saltysweet on 04 May 2020, 07:31:03 pm
That's a nice wedge! Spend it unwisely  :)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 04 May 2020, 07:39:19 pm
That's a nice wedge! Spend it unwisely  :)

Well it's a loan (unlike the grant, which counts as taxable income) so it won't be for everybody, but it means I can pay off all the bits of IKEA debt I racked up setting up my new work flat in February that I would have earned enough for by now, and then sock a bit of what's left away for rent and bills. That's assuming they don't turn me down, but it's self-certifying and my previous is fine so I'm hoping not. I could do with a break after not being eligible for anything else :).

There are no repayments for a year and the first year is also interest free, but I'd recommend anybody going to apply checks how much the payments will be once they start - the interest is only 2.5% though, so if it's not a bad deal really.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 04 May 2020, 08:10:03 pm
The online tool for checking eligibility is now online here: https://www.tax.service.gov.uk/self-employment-support/enter-unique-taxpayer-reference

You will need your UTR/tax reference number (don't put it in with the letter on the end - I did and it doesn't work until you just use the digits ;D) and your National Insurance number. It will tell you right away whether you're eligible and that if so you can claim from the 13th of May.

You must have a Government Gateway account to claim this and they can take a few days to set up because they send a code in the post (or they used to) to activate it, so anybody who wants to claim and doesn't have one needs to crack on with that now.

I noticed the tool today, used it - says I am eligible.

The blurb says although the claiming system goes live at noon 13th May, each person will be given a set date(s) from which they can apply. The wording which seems to be continuously updated, suggests there'll be tranches of applicants - possibly trying to prevent a tsunami of applications all at the same time?
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lushblossom on 06 May 2020, 05:15:28 am
My HMRC application time has been set for midday 15th May 2020 when I checked my eligibility this morning.  I have received emails regularly from the government without prompting them throughout this phase.  Yesterday's email invited me to check eligibility.

It will be such a relief when it is paid into my account.  I have been feeling very anxious of late and it is sorely needed.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Aussie Male Escort on 06 May 2020, 11:31:19 am
The online tool for checking eligibility is now online here: https://www.tax.service.gov.uk/self-employment-support/enter-unique-taxpayer-reference

You will need your UTR/tax reference number (don't put it in with the letter on the end - I did and it doesn't work until you just use the digits ;D) and your National Insurance number. It will tell you right away whether you're eligible and that if so you can claim from the 13th of May.

You must have a Government Gateway account to claim this and they can take a few days to set up because they send a code in the post (or they used to) to activate it, so anybody who wants to claim and doesn't have one needs to crack on with that now.

Thank you for the link Amy. It said I was eligible and they emailed me to say once they give me a date, all I'll need is my bank account number, sort code, gateway ID and password, then once they verify my claim, I'll have the money in my account within 6 working days  :)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 06 May 2020, 11:42:14 am
Interestingly although mine says eligible I've not received any emails at all at any point, they have my email address which I also entered in the form part of the checker. I've checked junk mail religiously, other HMRC emails have in the past come through just fine.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Kay on 06 May 2020, 01:05:29 pm
I get snail mail from HMRC rather than emails, and got the letter this morning telling me I was eligible for the SE grant (though I'm not planning to apply for it at the moment, fingers crossed...)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 10 May 2020, 09:24:54 am
Thank you for the link Amy. It said I was eligible and they emailed me to say once they give me a date, all I'll need is my bank account number, sort code, gateway ID and password, then once they verify my claim, I'll have the money in my account within 6 working days  :)

I thought this was for the 50K loan, but checking my email last night it's for the self employed grant. HMRC emailed me on Friday to say I am eligible, so I've set up my gateway account and now just have to wait till the 15th 😊

I am going to do it because although I am not desperate for the money we have no idea how long this is going to be for and what things will be like when we can eventually return.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Aussie Male Escort on 13 May 2020, 12:08:57 pm
I thought hmrc were supposed to email me on 13th to say I can make my claim. They haven't emailed but my accountant said just go ahead and claim. If you search the gov website help for self employment coronavirus claim, it's the top result. If the date they gave you when you did the eligibility test has come up, it lets you claim. I just did mine and it says approved and it will be in my bank account within 6 days  :)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: burly burlesque on 13 May 2020, 12:12:50 pm
Tried to apply but the website has already crashed after the midday opening of applications and the probable onslaught. Looks like I'll be spending my afternoon trying to gain entry before I can apply. Frustrating.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: burly burlesque on 13 May 2020, 12:30:27 pm
Few! Didn't actually take that long to get it sorted in the end so have my grant sorted. Thats a bit of a relief.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: xw5 on 13 May 2020, 12:35:48 pm
Application windows are also staggered - I'm being told I can make a claim from 8am tomorrow.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 13 May 2020, 01:19:31 pm
I just did mine and it says approved and it will be in my bank account within 6 days  :)

Mine too! It also said it would email me, but I never got one so I won't be holding my breath waiting for the promised one to tell.me the grant money's on its way ;D.

Still waiting to hear about the bounceback loan, and after an hour on hold to Santander yesterday the best I could get was some mumbling about a 'backlog' and that they couldn't give me any timescale. Apparently along with HBSC and Barclays (which is reportedly having far more problems and delays than any of the rest) they're working 24 hours trying to plough through all the applications, so if anybody was going to apply.amd hasn't yet I'd maybe give it a week until it thins out a bit.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: EveEveEve on 13 May 2020, 01:24:40 pm
Decided to wait and see what if anything I’d be able to get with the 80% thing. After spending 3 days on hold for a few hours to my bank regarding the bounce back loan.

Didn’t get an email today about the 80% thing but I was told (when I checked my eligibility) that I’d be able to apply from 8am today. Looked online around 8:40 this morning and (while still laying in bed having just woken up, lol) I was able to input my details - very simple name address bank details, and it showed me how much I’m going to get in 6 working days.

Thanks Amy for your advice about the bounce back. Hoping I won’t have to rely on that at all with this 80% thing, that’s if we’re back to working by July.

So if you haven’t had an email. Google how to check your eligibility and it should tell you (if you are eligible) when you’re able to apply. Xx
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 13 May 2020, 02:51:42 pm
Mine is through too, took a while probably due to backlog and over load.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 13 May 2020, 07:17:30 pm
Mine is through too, took a while probably due to backlog and over load.

I think there must be a backlog, I'm legible too and when I typed my info I got a warning stating I need to file my claim on may 15th! maybe that's because I left it to the last minute today (thinking there would be less of a backlog) and went into the site to do my claim at 7;00 pm. Silly cow. Ladies I would reccomend not leaving this for too late otherwise they'll put you at the end of the queu like me.

 >:(
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 13 May 2020, 07:35:54 pm
I think there must be a backlog, I'm legible too and when I typed my info I got a warning stating I need to file my claim on may 15th! maybe that's because I left it to the last minute today (thinking there would be less of a backlog) and went into the site to do my claim at 7;00 pm. Silly cow. Ladies I would reccomend not leaving this for too late otherwise they'll put you at the end of the queu like me.

 >:(

The date allocation via the eligibility checker started last week, I know other people given 14th and 15th last week. I've heard it's based on tax code, or something else unrelated to today.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: GucciGang on 13 May 2020, 07:53:43 pm
I’ve got my grant today also I’m very pleased. This will help bridge the gap between now and work coming in again. It’s definitely a cushion and I found the process fairly straightforward. I feel so much better knowing it’s there and I don’t have to worry of work isn’t busy for a few months.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 13 May 2020, 09:20:34 pm
So the aid is supposed to cover for march, April May and June, but Looks like the UK furlough scheme for coronavirus has been extended for four more months (that's till the end of October). I'm guessing this extension applies to the self-employed too (?), however If anyone has any details on this last bit would be nice to know. I've looked elsewhere and can;t find if the extension applies to us or not.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: englishrebecca121 on 13 May 2020, 09:22:11 pm
I think there must be a backlog, I'm legible too and when I typed my info I got a warning stating I need to file my claim on may 15th! maybe that's because I left it to the last minute today (thinking there would be less of a backlog) and went into the site to do my claim at 7;00 pm. Silly cow. Ladies I would reccomend not leaving this for too late otherwise they'll put you at the end of the queu like me.

 >:(

i dont think its the fact you only did it today.... i applied 2 weeks ago and was given the dates 15th may to!
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Cat_BBW on 13 May 2020, 09:33:54 pm
So the aid is supposed to cover for march, April May and June, but Looks like the UK furlough scheme for coronavirus has been extended for four more months (that's till the end of October). I'm guessing this extension applies to the self-employed too (?), however If anyone has any details on this last bit would be nice to know. I've looked elsewhere and can;t find if the extension applies to us or not.

Nothing (further) has been announced for the self employed yet. I know, cos I am always on the lookout for that too!
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 13 May 2020, 09:39:19 pm
Nothing (further) has been announced for the self employed yet. I know, cos I am waiting for that too!

Thanks cat.

 If anyone gets any updates on this issue please let us know.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 13 May 2020, 09:41:49 pm
So the aid is supposed to cover for march, April May and June,

March, April and May, not June. We get three months of 80% average profit, not four :)

Nothing (further) has been announced for the self employed yet. I know, cos I am waiting for that too!

Without checking back, it was a good couple of weeks between the furlough scheme being announced and this one. I know part of that was because this one would be far more complicated to work out, but even with most of that out of the way I don't think it's unreasonable for them to need more than 24 hours - we don't have employers to split the costs with (which is the plan for some employees from July, I think) so somebody will need to get the trusty Texas Instruments calculator out again :D.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Cat_BBW on 13 May 2020, 09:50:03 pm

Without checking back, it was a good couple of weeks between the furlough scheme being announced and this one. I know part of that was because this one would be far more complicated to work out, but even with most of that out of the way I don't think it's unreasonable for them to need more than 24 hours - we don't have employers to split the costs with (which is the plan for some employees from July, I think) so somebody will need to get the trusty Texas Instruments calculator out again :D.

;D

Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 13 May 2020, 09:54:56 pm
So the aid is supposed to cover for march, April May and June, but Looks like the UK furlough scheme for coronavirus has been extended for four more months (that's till the end of October). I'm guessing this extension applies to the self-employed too (?), however If anyone has any details on this last bit would be nice to know. I've looked elsewhere and can;t find if the extension applies to us or not.

The SE grant is 3 months cover, no word on any extension yet. Furlough started first, so makes sense the furlough extension has been announced first.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lushblossom on 14 May 2020, 10:59:53 am
Ref SEISS Martin Lewis has stated Wed i.e. yesterday, in his weekly email to all who are on his subscription list, that the SEISS is live from Wed 13th to Mon 18th May.  We should have been given our date and time to apply from by now via emails.  If we have not been given this then apparently from Sun 17th May there is something further that can be done.

I have had my date so I am fine i.e. mine is tomorrow 12 midday ie Fri 15th May.  A client was wondering where his had got to and he is not very clever with paperwork even though a competent electrician.  This is how I noticed this.

If people subcribe to Martin Lewis weekly emails it is on this week's one.  Hope this helps.

If people are really out of depth (and it would seem the electrician client is lol) then best to approach/inform the accountant you use to see to it on your behalf.  For example this client is due c £7k as I worked it out for him as he is my main regular at the minute for 2 hours monthly.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Aussie Male Escort on 14 May 2020, 11:49:10 am
Ref SEISS Martin Lewis has stated Wed i.e. yesterday, in his weekly email to all who are on his subscription list, that the SEISS is live from Wed 13th to Mon 18th May.  We should have been given our date and time to apply from by now via emails.  If we have not been given this then apparently from Sun 17th May there is something further that can be done.

I have had my date so I am fine i.e. mine is tomorrow 12 midday ie Fri 15th May.  A client was wondering where his had got to and he is not very clever with paperwork even though a competent electrician.  This is how I noticed this.

If people subcribe to Martin Lewis weekly emails it is on this week's one.  Hope this helps.

If people are really out of depth (and it would seem the electrician client is lol) then best to approach/inform the accountant you use to see to it on your behalf.  For example this client is due c £7k as I worked it out for him as he is my main regular at the minute for 2 hours monthly.

There was a warning at some point during mine that said not to do the application on behalf of someone else or it could flag it as fraud and cause it to be rejected or delayed.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 14 May 2020, 11:52:38 am
Ref SEISS Martin Lewis has stated Wed i.e. yesterday, in his weekly email to all who are on his subscription list, that the SEISS is live from Wed 13th to Mon 18th May.  We should have been given our date and time to apply from by now via emails.  If we have not been given this then apparently from Sun 17th May there is something further that can be done.

I have had my date so I am fine i.e. mine is tomorrow 12 midday ie Fri 15th May.  A client was wondering where his had got to and he is not very clever with paperwork even though a competent electrician.  This is how I noticed this.

If people subcribe to Martin Lewis weekly emails it is on this week's one.  Hope this helps.

If people are really out of depth (and it would seem the electrician client is lol) then best to approach/inform the accountant you use to see to it on your behalf.  For example this client is due c £7k as I worked it out for him as he is my main regular at the minute for 2 hours monthly.

I didn't receive any email or letters about my claim date, or even that I could claim.

I went to the elibigility checker which gave me my date and time.

The actual form was really simple, just personal details you don't even have to have your returns or figures, the HMRC system does the calculation.

I suspect I didn't receive any emails or letters because I opt out of anything which might be lots of contact/spam type excessive contact. All I receive are the reminders to submit returns, and the twice yearly payments due.

Would advise your friend to visit the checker, they'll need national insurance number, UTR (On any letters from HMRC), possibly passport or driving license for ID. That is all, the checker then displays a date and time on the page, which may have already started for the individual so can progress to application immediately.

Hope that helps.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: burly burlesque on 14 May 2020, 11:58:00 am
Yes same I received no date to apply I filled in the eligibility checker and got given the 13th of May from midday.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 14 May 2020, 12:49:40 pm
Has anyone applied on their date but a bit earlier? Mine is from tomorrow 15th at midday, but would be more convenient for me if I could do it sometime in the morning.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 14 May 2020, 01:31:39 pm
Has anyone applied on their date but a bit earlier? Mine is from tomorrow 15th at midday, but would be more convenient for me if I could do it sometime in the morning.

I tried an hour before my start time yesterday, same message giving me the time I could apply. You can do it anytime after the time allocation as far as I understand so Saturday and Sunday. It's fully automated so would also guess you can to it through the night ie 24 hours a day as long as it's after the start time.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: xw5 on 14 May 2020, 01:34:46 pm
Has anyone applied on their date but a bit earlier? Mine is from tomorrow 15th at midday, but would be more convenient for me if I could do it sometime in the morning.

When you enter your unique taxpayer reference number and NI number, it knows when you're allowed to claim from and won't let you do so if you're asking early.

Once the time comes, the longest bit for me was looking up my bank details and printing out the 'you've done it' pages afterwards.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: storm on 14 May 2020, 02:50:16 pm
thanks all for the info so far

Just a question about the Bounce Back loan if anybody could advise?

Would an 'escort' as profession get knocked back for the loan ? HMRC i am down as a massage therapist

but would this mean the loan application was fraudulent if I stated massage therapist? ???



Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Kay on 14 May 2020, 03:19:53 pm
thanks all for the info so far

Just a question about the Bounce Back loan if anybody could advise?

Would an 'escort' as profession get knocked back for the loan ? HMRC i am down as a massage therapist

but would this mean the loan application was fraudulent if I stated massage therapist? ???

I don't think so, no. Just apply for a loan as a massage therapist. So long as your tax returns are in order, it should be fine.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lushblossom on 14 May 2020, 03:22:59 pm
I didn't do the form for the client.I have left that up to him.Will be pleased when Fri midday has passed and the matter is in hand. I was trying to help the client so I could keep securing two hourly bookings on a monthly basis for now. However it sounds like he has mistakenly applied through a bogus email Monday of this week. I have suggested he sees his accountant. Have given up helping him got my own stress!
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 14 May 2020, 07:46:48 pm
thanks all for the info so far

Just a question about the Bounce Back loan if anybody could advise?

Would an 'escort' as profession get knocked back for the loan ? HMRC i am down as a massage therapist

but would this mean the loan application was fraudulent if I stated massage therapist? ???

You're not applying to HMRC, you're applying for a bank loan so it's entirely up to the lender you choose.

If you already have a business bank account with them it'll probably be slightly easier, but think about what you'll put if they ask you about the nature of your business; to be fair, they're unlikely to think that a massage therapist would be unaffected by the distancing rules.

It's worth pointing out (without wanting to wander off too much) that this is an extremely cheap loan, so even if you can manage without the money it's likely worth trying for if you're paying off more more expensive debts on other loans or credit cards. Provided you're a sole trader and not a limited company (which ought to be most people here, since prostitution is not an acceptable activity to register with Companies House), you are the business therefore the money is yours to do as you wish with, including reducing existing debts to free up more of your income when you get some :).
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Guava on 14 May 2020, 08:53:43 pm
You're not applying to HMRC, you're applying for a bank loan so it's entirely up to the lender you choose.

If you already have a business bank account with them it'll probably be slightly easier, but think about what you'll put if they ask you about the nature of your business; to be fair, they're unlikely to think that a massage therapist would be unaffected by the distancing rules.


So if you pay your earnings into a personal account, not a business one, are you not eligible to apply?  I cannot get beyond the first page of the online application form.

I have had my self-employment grant confirmed and Universal Credit came through after 5 weeks, so at least I have something to live off for a short while. 
 ::)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 14 May 2020, 09:12:33 pm
So if you pay your earnings into a personal account, not a business one, are you not eligible to apply?  I cannot get beyond the first page of the online application form.

It depends on the lender but while some will have you open a business account (even if it's just a 'loan feeder' account for you to make repayments into and nothing else) to apply, others are fine if you operate through a personal account - a huge proportion of very small businesses do. It just means you'll need to provide more information (which they would already have if you had a business account) because it's a business.loan, not a personal one. There is plenty of information about this and a table with details of the different lenders' policies on both the siye linked above and also on MSE :)

Did you pick a bank where you already have an account? If not, I think HSBC is the current go to for the ones taking applications from new customers.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Guava on 14 May 2020, 09:18:12 pm
Yes Amy, I was applying with the bank I’ve been with all my life.

On further investigation it appears they are not accepting applications from new customers and if you only have a personal account, you’ll need to apply for a business account first, at a rate of £7pm after the first 18 months free.  Plus charges to pay in and take out cash.

It was only to clear off my credit cards (at the higher interest rate) but may not be worth the bother. I’ll take a look at the one you suggested. Thank you!
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Aussie Male Escort on 19 May 2020, 12:25:06 am
My grant just came through  :) I applied on 13th got it at 1 minute to midnight so 6 days exactly
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: lillybliss on 19 May 2020, 09:03:23 am
Good for you Aussie, now go and spend it very unwisely hey, well that's what I will do when mine arrives  ;D ;D.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 19 May 2020, 10:00:44 am
My grant just came through  :) I applied on 13th got it at 1 minute to midnight so 6 days exactly

I applied on the 15th and haven;t got it yet :-(
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 19 May 2020, 10:15:13 am
I applied on the 15th and haven;t got it yet :-(

Mine arrived last night too,no email which was advised.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 19 May 2020, 10:36:22 am
Mine arrived last night too,no email which was advised.

You mean... you didn't get a confirmation email that the grant had arrived? Just asking because I was told when I finished filling the grant that I would get a confirmation email from HMRC that the money is in the bank but haven;t gotten it yet. However... haven;t looked at my bank account for the last three days...
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: burly burlesque on 19 May 2020, 10:58:34 am
Mine arrived last night too,no email which was advised.

Same it just arrived, 6 working days as said but no email.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 19 May 2020, 11:23:53 am
You mean... you didn't get a confirmation email that the grant had arrived? Just asking because I was told when I finished filling the grant that I would get a confirmation email from HMRC that the money is in the bank but haven;t gotten it yet. However... haven;t looked at my bank account for the last three days...

Like you when I completed the application, information on the screen told me I would receive an email when the payment is made which should be in 6 days. I applied on 13th the money arrived yesterday no email.

I have never received any emails or letters about any of the SE grant scheme, did receive the standard April letter telling me to submit usual tax return by January 31st 2021.

Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lushblossom on 19 May 2020, 11:38:07 am
I check my bank account online first thing every morning have been doing for around 20 years to check no fraud has been committed.

I applied Fri 15th May at midday.  6 working days is Mon 25th May.  So I anticipating its arrival then.

Pleased for those who were allowed to apply sooner.

Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 19 May 2020, 11:47:25 am
I check my bank account online first thing every morning have been doing for around 20 years to check no fraud has been committed.

I applied Fri 15th May at midday.  6 working days is Mon 25th May.  So I anticipating its arrival then.

Pleased for those who were allowed to apply sooner.

Got to me in 5 actual days - 13th I applied so hopefully will be with you in a couple more days.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 19 May 2020, 06:26:21 pm
I have mine too! There's pretty much bog all left after setting the rent and bill money aside for the next couple of months and doing a big online grocery shop, but it's here :D

I got the email saying they were 'processing my claim' about half an hour ago, so probably about twelve hours after it was paid in :D.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Cat_BBW on 19 May 2020, 06:28:01 pm
I applied on 14th and received it today :) Then I received an email from HMRC saying there's help for the self employed and they will be holding webinars this week on how to claim the grant. ::)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 19 May 2020, 06:32:39 pm
I applied on 14th and received it today :) Then I received an email from HMRC saying there's help for the self employed and they will be holding webinars this week on how to claim the grant. ::)

I got that one too :D
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Cat_BBW on 19 May 2020, 06:50:17 pm
I got that one too :D

LOL - I got excited thinking this was something to do with a potential future payment. No such luck.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: geordie on 19 May 2020, 08:31:24 pm
Just wondering if anyone’s heard back from the Business Bounce Back loan yet? I’m going to apply tomorrow via HSBC as seems to be the only one that accepts applications from people who don’t have a current business account.

Also wondering what they use the calculate your turnover, so is it the 3 years tax returns same as the grant, or can I use this years figures (19-20)? Tried to look this up but I seem to be going in circles!
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: MsRedhead on 19 May 2020, 08:51:20 pm
Just wondering if anyone’s heard back from the Business Bounce Back loan yet? I’m going to apply tomorrow via HSBC as seems to be the only one that accepts applications from people who don’t have a current business account.

Also wondering what they use the calculate your turnover, so is it the 3 years tax returns same as the grant, or can I use this years figures (19-20)? Tried to look this up but I seem to be going in circles!

Yes, I got mine through Starling. Applied for an account on Sunday, got the debit card through and activated the account on Wednesday, applied for loan straight away. Had to use my turnover for the 2019 calendar year (I'm assuming that each bank may have different criteria). Approved and signed for loan on Thursday, money was in my account within 15 mins!
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: geordie on 19 May 2020, 08:53:59 pm
Yes, I got mine through Starling. Applied for an account on Sunday, got the debit card through and activated the account on Wednesday, applied for loan straight away. Had to use my turnover for the 2019 calendar year (I'm assuming that each bank may have different criteria). Approved and signed for loan on Thursday, money was in my account within 15 mins!
Brilliant, thank you!
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 19 May 2020, 08:59:42 pm
Meanwhile Santander are still not answering over two weeks later, despite hours of holding and multiple messages left on their chatbot thing. I'm starting to wonder whether to just apply to another lender and if they ever do get back to me I'll tell them to stick it.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lady Frog on 20 May 2020, 02:28:03 am
Had to use my turnover for the 2019 calendar year

Glad it worked out so smoothly

Please what evidence did they ask for/use to workout your turn over for the calendar year, or did they ask you for a figure for 2019 turnover, and if so what did you have to show to support that?
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lushblossom on 20 May 2020, 07:13:24 am
I checked my bank account online an hour ago the money (SEISS grant) was credited today which was surprisingly fast.  Three working days from Friday 15th May.  Today being Wed 20th May.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 20 May 2020, 08:31:45 am
I checked my bank account online an hour ago the money (SEISS grant) was credited today which was surprisingly fast.  Three working days from Friday 15th May.  Today being Wed 20th May.

Great news I suspect they just want to get it done, and us out of the way.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 20 May 2020, 08:41:12 am
I got my grant too after applying on 15th at 12pm  :)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: EveEveEve on 20 May 2020, 08:42:36 am
Glad it worked out so smoothly

Please what evidence did they ask for/use to workout your turn over for the calendar year, or did they ask you for a figure for 2019 turnover, and if so what did you have to show to support that?

I think they worked it out themselves ? Don’t think I’ve been asked to supple any evidence (if you’re meaning the 80% not the loan) x
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: geordie on 20 May 2020, 08:51:04 am
Got my grant today, wasn’t due till Friday so pleased with how quick it all was.

Doesn’t look like I’ll be eligible for a business bounce back loan with HSBC however as they want 18-19s tax return which was very low for me as I was employed half the year. I was also declined for a business account (not a feeder account, thought I’d try applying online before calling). Will keep an eye out for other banks who don’t require you to be a customer of theirs. Know Barclays is an option but I don’t want to use them.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lady Frog on 20 May 2020, 12:28:26 pm
I think they worked it out themselves ? Don’t think I’ve been asked to supple any evidence (if you’re meaning the 80% not the loan) x

No sorry I meant the bounce back loan x
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lady Frog on 20 May 2020, 12:37:33 pm
they want 18-19s tax return which was very low for me as I was employed half the year

As you say it varies from bank to bank but I read on at least couple (including HSBC I think?) that if started being self employed part way through the tax year 2018-2019 or calendar year 2019, they will take the portion that you did work and pro-rata it to get an annual amount, which they will then x25% to arrive at the figure you can borrow.

It's a loan at the end of the day that you/the govt will pay interest on so I suppose it's in their interest to approve you for borrowing as much as possible. This is what I was hoping they would do with the SEISS grant too as I started towards the end of 2018/2019 tax year, but unfortunately they haven't, I spose bcs it's a grant and not a loan.

A couple of the others also allow you to open a feeder account as mentioned if you are a personal customer with them.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: MsRedhead on 20 May 2020, 10:10:15 pm
Glad it worked out so smoothly

Please what evidence did they ask for/use to workout your turn over for the calendar year, or did they ask you for a figure for 2019 turnover, and if so what did you have to show to support that?

I had to send them my tax return.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: MissJaz on 21 May 2020, 02:05:34 am
Hi ladies, for anyone still interested in the bounce back loan with HSBC. I applied Tuesday night fully expecting a no from them, got an email Wednesday morning to sign terms of the loan and set up direct debit. I won’t be surprised if I receive the money today Thursday or by Friday going by how quick the whole process has been.

I have a registered LTD and a business acct with HSBC which I think is the reason it was so quick. If you have a current account instead, they want proof of your last years self assessment I believe.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Cat_BBW on 21 May 2020, 04:15:01 am
I applied on 14th and received it today :) Then I received an email from HMRC saying there's help for the self employed and they will be holding webinars this week on how to claim the grant. ::)


AND then yesterday I received an email saying they'd received my application and it was being processed and I can expect my payment "within 3 working days of this email".


(I am happy to see lots of info coming through. Not very happy that it's coming through rather late and after everything's already happened and been processed!)


Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Veggiegal on 22 May 2020, 11:27:29 pm
Hi,

Does anyone know of a lender who are lending to new customers that dont use a business account?

My bank is only lending to those who use a business account, but I just use a standard personal account solely for work. I am registered sole trader and have 3 years tax returns, not including 19/20, which hasn't been filed yet.

Any suggestions would be great!
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Tabby on 23 May 2020, 08:58:11 pm
I've just applied for the bounceback loan via hsbc as my current account is with them.  I had to send my self assessment for 18-19 (only started trading from September 2018).  The process was simple and quick (no tears or swearing).  I'll let you all know how i get on.

The SEISS thingy came through fine much to my relief.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Caledonia on 24 May 2020, 04:36:38 pm
Hi,

Does anyone know of a lender who are lending to new customers that dont use a business account?

My bank is only lending to those who use a business account, but I just use a standard personal account solely for work. I am registered sole trader and have 3 years tax returns, not including 19/20, which hasn't been filed yet.

Any suggestions would be great!

I had this problem to. I have put in for a business account obviously had to make some things up so doubt I will be accepted
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Sammy13 on 29 May 2020, 05:11:08 pm
Rishi Sunak just announced that the self employed grant will be extended another 3 months with applications opening in August. Such good news!
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 29 May 2020, 05:18:29 pm
Rishi Sunak just announced that the self employed grant will be extended another 3 months with applications opening in August. Such good news!

All I have seen so far on the BBC coverage is the furlough, great if SEISS is also extended will watch out for the mention.

Excellent just seen it appear in the write up, it'll be a little lower this time but still more than welcome and needed many sectors.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Cat_BBW on 29 May 2020, 05:26:08 pm
They have JUST announced a further "and final" grant of 70% for self employed, but I haven't checked who is eligible yet, so will be back in a bit with the details. /cross fingers it includes us
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Cat_BBW on 29 May 2020, 05:36:46 pm
They have JUST announced a further "and final" grant of 70% for self employed, but I haven't checked who is eligible yet, so will be back in a bit with the details. /cross fingers it includes us

This grant covers June until August. 70% of profits up to £2,190 a month, paid in a lump sum. If you were eligible for the 1st grant you will be eligible for this. All same rules as the first grant. Again you have to declare that your biz has been affected by coronavirus. You still have until 13th July to claim the FIRST grant. You cannot claim the SECOND one until August (rollseyes).

I got my info from Martin Lewis (moneysavingexpert) on Twitter. The info will be on the gov.uk site later, I'm sure.


So it looks like the self employed are expected to be able to be working with no corona issues from August, and employed people on furlough able to work from October with no corona issues. I'm in the dark as to why I get cut off in August but if I was working for someone else I'd be paid to October. (more rolleyes)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lushblossom on 31 May 2020, 04:56:30 pm
I suppose the reason the self employed are getting less help than those furloughed is the government assumes if we have enough up top to be running a business then we can manage to restructure and adapt and change any business to suit any new circumstances.  I am only guessing mind.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: burly burlesque on 31 May 2020, 06:29:57 pm
I suppose the reason the self employed are getting less help than those furloughed is the government assumes if we have enough up top to be running a business then we can manage to restructure and adapt and change any business to suit any new circumstances.  I am only guessing mind.

Individual, self employed people tend to be poor and/or economically insecure and Tories don't often give a hoot about the poor and economically insecure, I reckon.  I mean, I might earn a good wedge per hour as an escort, but I'm forever an accident or prolonged illness away from being properly buggered, so...still I'm relieved I'm getting something to help, though, of course.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lushblossom on 31 May 2020, 07:12:54 pm
U got a point burly! Oh well help is help. Gratefully received.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: GucciGang on 31 May 2020, 07:22:57 pm
Rishi Sunak just announced that the self employed grant will be extended another 3 months with applications opening in August. Such good news!

I was over the moon with this. It takes the pressure off for sure while hotels are adjusting and it will give me some space to work out what I’m doing with work.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Tabby on 16 June 2020, 12:41:29 pm
Bounce back loan - just had confirmation that my application with HSBC was successful.  I have a personal account with them which I admit that I haven't managed very well over the years so I was glad that i was accepted.   It took about 3 weeks with no communication until final request for ID and confirmation today
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: GucciGang on 16 June 2020, 09:00:52 pm
I applied for the bounce back loan with Nat West I didn’t have a business account set one up that day. The money was in the account in 2 days. Found it so easy to do. I will say it did get credit checked. I looked on my Experian. What a stroke of luck.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: BangerRacing on 19 June 2020, 08:18:08 am
Anyone been given the wrong amount by the self employed payment? They've done my calculation wrong & I'm around 3k short. I've been getting UC & I'm sure the guy on there phone was intimating that I should have kept quiet about the self employed grant or whatever they are calling it.

I don't want to get prosecuted/sanctioned so I'll have to tell them.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: GucciGang on 19 June 2020, 10:19:56 am
Anyone been given the wrong amount by the self employed payment? They've done my calculation wrong & I'm around 3k short. I've been getting UC & I'm sure the guy on there phone was intimating that I should have kept quiet about the self employed grant or whatever they are calling it.

I don't want to get prosecuted/sanctioned so I'll have to tell them.

You won’t get prosecuted. You will he asked to pay back any over payment when you file your next tax return. I had a grand which was over paid on tax credits when I was first working before I went full time. They only know your early income when you file your tax. Then the universal credit would ask you to pay it back and you can do a minimum of £20 a month or as much as you like. Don’t worry too much we are in stressful times. Even tax doesn’t need to be paid till next summer.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Caledonia on 19 June 2020, 10:22:35 am
For those who have set up business accounts to help access the bounce back loan, what have you said you do? Just obviously can't put down what we actually but also don't want to be lieing on an official form.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 19 June 2020, 11:32:45 am
For those who have set up business accounts to help access the bounce back loan, what have you said you do? Just obviously can't put down what we actually but also don't want to be lieing on an official form.

In what way 'obviously'? I got sick of getting nowhere with Santanter so applied for a NatWest business account with full and accurate details including a link to my site - if I want the best tailored service from my bank, why wouldn't I give them the correct information?
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 19 June 2020, 12:16:33 pm
I got an invoice from HMRC today with my tax due in July that they say is due in January. It also said if we want to defer the summer tax, we must log into our account to do so.

Am I missing something? Why would say they say we must notify them if we want to defer it and then send an invoice that is not due till January anyway.

Judging from a previous post when I email my accountant to ask them about it I'll also ask them to double check the amount I got paid with my grant. 3K is a lot of pennies to lose out on. Wonder how many other people they've short changed.

Mind you, if they've given me too much then that's no problem  :D
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: storm on 19 June 2020, 12:21:40 pm
For those who have set up business accounts to help access the bounce back loan, what have you said you do? Just obviously can't put down what we actually but also don't want to be lieing on an official form.


I put down massage therapist Caledonia I put this on tax returns as well so sensible to match up

Amy I would love to just be more honest - is there a risk though the bank could refuse / freeze an account based on 'immoral earnings' at any point they feel like it or is there a legal protection of sorts?
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: UKdomme on 19 June 2020, 01:39:43 pm
Amy, did Natwest open the business account with you when you gave them all the honest info, the reason being I would like to do the same thing, and be totally upfront, could you let us know how you got on?
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Caledonia on 19 June 2020, 04:18:08 pm
In what way 'obviously'? I got sick of getting nowhere with Santanter so applied for a NatWest business account with full and accurate details including a link to my site - if I want the best tailored service from my bank, why wouldn't I give them the correct information?

Apologies Amy, just I had tried to open an account for another business and was turned down because it was within the adult industry
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 20 June 2020, 02:46:13 pm
Apologies Amy, just I had tried to open an account for another business and was turned down because it was within the adult industry

Oh that's OK - I just wanted to make the distinction between 'can't' and 'don't want/choose not to'. I don't want newbies thinking there's anything wrong with their job, or feeling they have to lie if they'd rather not.

is there a risk though the bank could refuse / freeze an account based on 'immoral earnings' at any point they feel like it or is there a legal protection of sorts?

The term 'immoral earnings' has never existed in law - it's a myth. Obviously banks can pick and choose who they deal with like any other business, but provided the business is operating legally there isn't any reason for them to turn you away unless they don't want your money, in which case you'd be better with another bank anyway.

Amy, did Natwest open the business account with you when you gave them all the honest info, the reason being I would like to do the same thing, and be totally upfront, could you let us know how you got on?

I can't say yet as I only did it at the start of the week, and I've only had the apology email telling me my application is being processed but things are slower than usual because there's so much going on. I will update once I can :).

As far as the alternatives go, I would think massage therapist' is pretty safe middle ground :)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: GucciGang on 20 June 2020, 03:26:24 pm
I’m listed as an exotic dancer which even comes up under drop down menus on your car insurance now So it’s a recognised profession dealing in lots of cash. No one bats an eyelid at the bank when I go in with my wads.

Back on topic. I feel that Nat west have been one of the fastest banks at agreeing and getting the money out on the bounce back loan. I was reading though all the hashtag #bouncebackloan complaints on twitter and people have had nightmares. I felt very blessed mine was agreed straight away. The form took me ten mins glass of wine in hand. And when you fill it out the business account was opened up at the same time and you can name this what ever you like. It’s going to be fab using that account for clients so they don’t get my real name.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Caledonia on 20 June 2020, 03:32:29 pm
Quite a few of the banks have stopped accepting new applicants at the moment which is a bit of a pain.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: GucciGang on 20 June 2020, 03:36:05 pm
Quite a few of the banks have stopped accepting new applicants at the moment which is a bit of a pain.

That’s strange as it’s still on the government web sight with the links to the lenders.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Caledonia on 20 June 2020, 03:58:38 pm
That’s strange as it’s still on the government web sight with the links to the lenders.

Apologies I meant applications for business account not for the loan itself
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: BangerRacing on 22 June 2020, 07:06:47 am
You won’t get prosecuted. You will he asked to pay back any over payment when you file your next tax return. I had a grand which was over paid on tax credits when I was first working before I went full time. They only know your early income when you file your tax. Then the universal credit would ask you to pay it back and you can do a minimum of £20 a month or as much as you like. Don’t worry too much we are in stressful times. Even tax doesn’t need to be paid till next summer.

Tax credits are a nightmare. I've not been able to get through to the that office to sort all that out. I absolutely hate dealing with these official bodies. I asked for UC for March because I was ill with coivd symptoms, then took the whole month off. They refused to pay me, even though I have 5 medical letters to say I've got ongoing health conditions. I've just found out last week that I have a condition that's classed as a disability. Never claimed for it or asked for any benefits when off sick at least 10 days every month. This was brought into place in 2010. I had no idea so, I'll have to contact citizens advice for help.

I wont be paying any tax until January next year & they'll be lucky to get anything out me with all the road blocks they throw. Absolute scum are the government.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Melissa093 on 28 June 2020, 10:56:33 pm
Hy ive got email not a while ago from hmrc when you could claim again to get income support for the 2nd time. Altough this time you must proof that your got affected negatively ca by covid. Ive asked my accountant he said i just have to write a letter i registered as therapists. Any ideas if wether they will accept letter written by me then verified by accountant or not?
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Cat_BBW on 29 June 2020, 03:59:21 am
Hy ive got email not a while ago from hmrc when you could claim again to get income support for the 2nd time. Altough this time you must proof that your got affected negatively ca by covid. Ive asked my accountant he said i just have to write a letter i registered as therapists. Any ideas if wether they will accept letter written by me then verified by accountant or not?

If you look at the gov.uk site it says nothing of the sort. Basically if your business/income has been affected by COVID ON OR AFTER 14th JULY you are entitled to the 2nd payment and you do not need to show anything at all at the time of claiming. It's a tick box thing and has to be done by YOU and not your accountant.

MoneySavingExpert has brilliant advice, please remove the spaces I've put in:

moneysavingexpert. com /news/2020/04/self-employed-help-coronavirus/#seiss

AND

moneysavingexpert. com /news/2020/06/i-am-self-employed-but-confused-about-whether-i-can-claim-my-bus/
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 29 June 2020, 09:38:17 am
Aren't we (the self -employed) getting 70% this time (instead of 80%)?
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 29 June 2020, 09:48:19 am
Aren't we (the self -employed) getting 70% this time (instead of 80%)?

As per the announcement a few weeks ago apparently so, will go check the .gov.uk website.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: coolbeanz on 29 June 2020, 09:48:29 am
Aren't we (the self -employed) getting 70% this time (instead of 80%)?

I believe so.

 Couldn't  find any information re having to prove income being affected by COVID19.

I have never gotten any emails and was successfully able to claim the first instalment .
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 29 June 2020, 09:50:49 am
I believe so.

 Couldn't  find any information re having to prove income being affected by COVID19.

I have never gotten any emails and was successfully able to claim the first instalment .
Aren't we (the self -employed) getting 70% this time (instead of 80%)?

Yes just been to the government website to check the scheme, this time it is 70%.

Like you Coolbeanz I didn't receive any communication about the schemes, I am eligible, did claim and receive first installment successfully.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: GucciGang on 29 June 2020, 06:17:15 pm
You can’t claim the second round of self employed support until August. So if you check back on the gov sight then it will have a link. Can’t wait fir the next one it really took the pressure off last time.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: coolbeanz on 29 June 2020, 06:46:36 pm
Yes, I am aware its not until August,  but reluctant to find any information  you about having to provide evidence that ones  income was negatively affected.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 29 June 2020, 06:48:59 pm
Like you Coolbeanz I didn't receive any communication about the schemes, I am eligible, did claim and receive first installment successfully.

I did get my first claim too but haven;t got any emails (yet) regarding the second claim.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 29 June 2020, 06:50:36 pm
Yes, I am aware its not until August,  but reluctant to find any information  you about having to provide evidence that ones  income was negatively affected.

There wasn't any last time, it's a tick box where you certify you have been affected.

I would guess if they ever investigate they'll want to see less cash going in/fewer bookings. These schemes are huge, it's a blanket payment made very quickly.

Also can quote the guidelines as telling everyone to not go near anyone else, closing most businesses apart from the essentials.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 29 June 2020, 06:51:14 pm
I did get my first claim too but haven;t got any emails (yet) regarding the second claim.

Did you get emails for the first claim, I didn't, not even a letter - but was eligible. Did get it.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 29 June 2020, 07:07:07 pm
Did you get emails for the first claim, I didn't, not even a letter - but was eligible. Did get it.

Yes, I actually got like two or three emails the first claim telling me I was eligible. Once I filed and got the money I got another 2 emails from HMRC with links to webminars on how to file COVID help etc... To be honest filing the COVID claim was no rocket science so haven't yet watched those webminars (although now I think about it maybe I should watch them in case I'm missing something), however... no other emails regarding I'm eligible for second claim. I did notice it's a "tad" disorganized.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: GucciGang on 02 July 2020, 11:34:21 am
The Gov sight has been updated now to show the date to apply for the second grant.

This scheme is being extended until 19 October 2020. You’ll be able to claim a second and final grant from 17 August 2020 when the online service will be available.

We will work out your eligibility the same way as the first grant. If you make a claim for the second grant you will have to confirm your business has been adversely affected on or after 14 July 2020.

This grant will be a taxable grant worth 70% of your average monthly trading profits, paid out in a single instalment covering a further 3 months’ worth of profits, and capped at £6,570 in total.

You can claim for the second and final grant even if you did not make a claim for the first grant.

The online service for the second and final grant is not available yet. Do not contact us as we will update this guidance when this service
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: coolbeanz on 02 July 2020, 02:47:10 pm
It's not too dissimilar from the procedure of claiming the first instalment then.
'Confirm' and 'prove' are two different things.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lushblossom on 03 July 2020, 06:08:16 am
On Martin Lewis's programme last night the SEISS will be payable by end of August.  Though I hope it is quicker than that!  We cannot apply until the 17th August though.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 03 July 2020, 06:18:45 am
On Martin Lewis's programme last night the SEISS will be payable by end of August.  Though I hope it is quicker than that!  We cannot apply until the 17th August though.

HMRC made the first payment a month earlier than they said they would, so fingers crossed the second one will be early.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 03 July 2020, 09:48:54 am
HMRC made the first payment a month earlier than they said they would, so fingers crossed the second one will be early.

I believe they'll do like last time, ladies form an orderly queu. They'll give everyone a day and a time to apply during a 3 week period. That's why some got the money before last time.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: saltysweet on 07 July 2020, 08:41:40 pm
I have a form phobia and nearly didn't claim.

I've just sat down to apply for the first Self Employed Grant and they made it really simple! Can't believe it! I chugged right through once I dug up my passport and forgotten passwords. I was shocked. All forms should be like this.
Thanks for the helpful comments and tips ladies. You don't have to give evidence of Corry effecting work, in this form, as I guess we were all at home in jammies eating chocolates as instructed.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: saltysweet on 08 July 2020, 03:05:10 am
I just found a statement on gov.com about keeping evidence of how Corry's effected on your business. Everyone will show a reduction in business so I shouldn't think it's anything to worry about. If they even bother to ask the 66 million who were sat at home...

Quote
You should also keep any evidence that your business has been adversely affected by coronavirus such as:

    business accounts showing a reduction in turnover
    confirmation of any coronavirus-related business loans you have received
    dates your business had to close due to lockdown restrictions
    dates you or your staff were unable to work due to coronavirus symptoms, shielding or caring responsibilities due to school closures
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 08 July 2020, 06:52:18 am
The best evidence is what Adultwork and VS have done with advertising. Although I don't think anyone would expect to have to send a link to their profile  ???

How can we prove it otherwise? By sending in a screenshot of our diary with bookings?  :-\
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 08 July 2020, 09:19:29 am
The best evidence is what Adultwork and VS have done with advertising. Although I don't think anyone would expect to have to send a link to their profile  ???

How can we prove it otherwise? By sending in a screenshot of our diary with bookings?  :-\

I'll give CatBBW a rest, since she did it on the last page.

We don't need to prove anything.
The form is self-certifying.
There will be a box which says 'has your business been adversely affected by CV on or the since the 14th of July?' Tick 'Yes'.
Job done.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 21 July 2020, 12:46:33 pm
Is anyone paying their July tax?

I've had a read of HMRC's website and although it says you will be entitled to the second grant if you don't pay it says nothing about being entitled to the grant if you do pay it.

If I did pay the tax, I think I'd be giving them pretty much the amount I'm entitled to claim with my second grant.

None of us know what business is going to be like till January, so I think I'm going to hang on to my money until then. Of course, Hmrc recommend paying the tax this month if you can but of course they're going to say that  ::)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 21 July 2020, 01:25:11 pm
Is anyone paying their July tax?

I've had a read of HMRC's website and although it says you will be entitled to the second grant if you don't pay it says nothing about being entitled to the grant if you do pay it.

If I did pay the tax, I think I'd be giving them pretty much the amount I'm entitled to claim with my second grant.

None of us know what business is going to be like till January, so I think I'm going to hang on to my money until then. Of course, Hmrc recommend paying the tax this month if you can but of course they're going to say that  ::)

I pay by direct debit towards each bill soon after I received the first SEISS I calculated then paid the difference for the July bill. Once this month's DD goes out the balance is paid so the decision has already been made.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Kay on 21 July 2020, 04:17:28 pm
Is anyone paying their July tax?

I've had a read of HMRC's website and although it says you will be entitled to the second grant if you don't pay it says nothing about being entitled to the grant if you do pay it.

If I did pay the tax, I think I'd be giving them pretty much the amount I'm entitled to claim with my second grant.

None of us know what business is going to be like till January, so I think I'm going to hang on to my money until then. Of course, Hmrc recommend paying the tax this month if you can but of course they're going to say that  ::)

I am, because next year's payments are going to be horrific, so I'd like to get this one out of the way! I think if you expect your income to be low for the next 6 months it's not a bad idea to hold off though.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: saltysweet on 21 July 2020, 10:45:08 pm
I pay tax in January don't think I've had a request yet as probably too early.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 21 July 2020, 11:09:22 pm
I pay tax in January don't think I've had a request yet as probably too early.

For self-employed there's usually a bill for July as well as January, or do you pay everything in January so July is covered?
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: saltysweet on 22 July 2020, 01:48:29 am
Oh I didn't know that. I pay everything in January. I just copied what my accountant used to do. He explained about starting dates but I forgot why. Good to know these other options lol :)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 07 August 2020, 12:01:45 pm
Does anyone know when is the second COVID help available? I know it would be available after the 7th August but I haven;t got any emails from HMRC. They did send me a webminar to watch but haven't had the time.

Any updates on the second installment?

Thanks all.xx
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 07 August 2020, 12:36:33 pm
Does anyone know when is the second COVID help available? I know it would be available after the 7th August but I haven;t got any emails from HMRC. They did send me a webminar to watch but haven't had the time.

Any updates on the second installment?

Thanks all.xx

Government website says can make a claim for second self-employed grant from 17th August.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 07 August 2020, 02:00:33 pm
Government website says can make a claim for second self-employed grant from 17th August.

Thanx for the update mirror, I thought it was the 7th  :FF
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 07 August 2020, 02:03:02 pm
Thanx for the update mirror, I thought it was the 7th  :FF

I couldn't remember.

If you Google 'support for the self-employed the .gov.uk website should come up, it's updated regularly.

Also I signed up for the general .gov.uk update emails, nothing to do with being self-employed - I receive an email every day with links to updates on everything to do with coronavirus. You can skim down the pick the links you wish to look into, includes local restrictions, all sorts of things.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Sammy13 on 15 August 2020, 11:16:45 am
Have those who received the first grant been given a specific date yet for when they can apply for the second grant? I just received a generic email a few weeks ago saying people could apply from the 17th onwards but have heard nothing else since. Last time I was told the exact date I could apply Thanks
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 15 August 2020, 11:49:33 am
Have those who received the first grant been given a specific date yet for when they can apply for the second grant? I just received a generic email a few weeks ago saying people could apply from the 17th onwards but have heard nothing else since. Last time I was told the exact date I could apply Thanks

No specific dates this time I received a generic email yesterday or this morning from HMRC explaining application system opens 17th, gives a date in October by which claim must be made by.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 15 August 2020, 01:40:08 pm
I was just about to ask the same thing. They're being slow now in comparison.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Cat_BBW on 16 August 2020, 03:45:47 pm
I received an email from them yesterday giving me the date that I can claim from, the date the scheme opens (it's not the same as the date I can claim from), and the date the scheme closes. So if your email says you can claim from 17th, that's your specific date.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 16 August 2020, 04:09:58 pm
I received an email from them yesterday giving me the date that I can claim from, the date the scheme opens (it's not the same as the date I can claim from), and the date the scheme closes. So if your email says you can claim from 17th, that's your specific date.

Thanks mine was the first date last time, however drawing a link is not necessarily useful. I just know I can claim and there's plenty of time before the scheme closes if I drop down a hole tomorrow.

I'd also expect that some may not claim, and those ineligible might not be trying. Also may have improved the system since the first.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: GucciGang on 17 August 2020, 06:24:53 am
The system is live I did mine 6am today. As long as you had your government gateway ID from before and your tax code the sight had saved all my income details. It had also saved the bank to be paid into. Was one click of a button to say yes I’ve been affected by corona. It was I so simple to do. Then it gives you the amount and is paid within a week. Super happy today  :D
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Sammy13 on 17 August 2020, 07:34:20 am
I tried this morning and it said I can’t claim until Fri 21st so they are still staggering it. Can’t wait to get it done
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 17 August 2020, 08:18:06 am
The system is live I did mine 6am today. As long as you had your government gateway ID from before and your tax code the sight had saved all my income details. It had also saved the bank to be paid into. Was one click of a button to say yes I’ve been affected by corona. It was I so simple to do. Then it gives you the amount and is paid within a week. Super happy today  :D

Yes incredibly easy to do, in fact WOW!
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Caledonia on 17 August 2020, 08:58:29 am
I tried this morning and it said I can’t claim until Fri 21st so they are still staggering it. Can’t wait to get it done

I got the same, Friday better hurry
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 17 August 2020, 08:59:12 am
I tried this morning and it said I can’t claim until Fri 21st so they are still staggering it. Can’t wait to get it done

Same here. Looks like it's going to be like last time: everyone will be getting a different pay day, which makes sense otherwise they would have millions of people applying in the next two days causing a collapse of their system. Government must have certain quotas per week of numbers of people that can apply.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 17 August 2020, 12:04:52 pm
I've just checked and for me it's 20th which is Thursday.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lushblossom on 18 August 2020, 07:30:45 am
The HMRC sent me an email saying it is Thursday I can apply from.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: GucciGang on 18 August 2020, 02:15:51 pm
A follow up to my message I’ve had an email saying I will be paid within 3 days. It’s loads faster this time. So even if you apply on Friday or lady it should be processed faster not two weeks or even a week. It will be a couple days.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 18 August 2020, 02:59:32 pm
A follow up to my message I’ve had an email saying I will be paid within 3 days. It’s loads faster this time. So even if you apply on Friday or lady it should be processed faster not two weeks or even a week. It will be a couple days.

Mine was paid within 3 days the first time, 6 days quoted, in on 3rd day.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 18 August 2020, 08:30:41 pm
I got the email two days ago stating I can apply after the 20th (rubs her hands with excitement).  :D
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Cat_BBW on 19 August 2020, 12:58:31 am
I've applied for mine  ;D I didn't get a confirmation email, but I did get the confirmation screen that said it would be in my bank within 6 working days, although last time it hit far quicker than that. I think (although would have to read back) I claimed on the Thurs and received on Monday night. Hoping it's just as quick this time :)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Caledonia on 21 August 2020, 12:10:49 am
Thought since I was awake I would give it a try as it is the 21st and it was just as simple as last time.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 21 August 2020, 09:04:14 am
Mine arrived evening of 2 working days after the date I applied.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 25 August 2020, 03:00:22 pm
Made my claim on Thursday and got it today  :)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 25 August 2020, 03:09:44 pm
Made my claim on Thursday and got it today  :)

Same here. :D
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Caledonia on 25 August 2020, 03:31:39 pm
Made my claim on Thursday and got it today  :)

I made mine on Thursday too, nothing yet 😭
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Caledonia on 26 August 2020, 03:34:12 pm
Woo hoo mines is in  ;D
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 26 August 2020, 03:49:35 pm
Woo hoo mines is in  ;D

I had fingers crossed for you, so pleased to hear it.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Caledonia on 26 August 2020, 05:10:28 pm
I had fingers crossed for you, so pleased to hear it.

Thanks, was good timing too as cupboards were getting rather bare
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Sammy13 on 24 September 2020, 01:00:45 pm
So it looks like the SEISS is being extended but only for 20% now. Can anyone confirm as I’m finding the information really confusing. Thanks
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Sammy13 on 24 September 2020, 01:02:09 pm
Also I think we can delay our tax bills again in Jan. As usual all the information is as clear as mud at the moment though
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: EveEveEve on 24 September 2020, 01:06:01 pm
20% ?? Christ.  :-\
Self employed expected to survive on that??
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 24 September 2020, 07:18:55 pm
20% ?? Christ.  :-\
Self employed expected to survive on that??

I went to look at BBC news website, article about support for self-employed states 20%.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: EveEveEve on 24 September 2020, 07:51:58 pm
I went to look at BBC news website, article about support for self-employed states 20%.

Surely we’re expected to carry on working as well then?
Although I’ve had hotels cancel on me already this week. So maybe there won’t be any hope at all?! Uuuuhh
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 24 September 2020, 08:26:58 pm
Surely we’re expected to carry on working as well then?
Although I’ve had hotels cancel on me already this week. So maybe there won’t be any hope at all?! Uuuuhh

The furlough continuation has been made on the basis employees are back working, on limited- less-than-precovid-hours. SEISS is supposed to be the self-employed equivalent, the implication is that yes we are assumed or supposed to be working.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 24 September 2020, 09:30:22 pm
I went to look at BBC news website, article about support for self-employed states 20%.

It's actually 22%, not 20 %  ;D . massive difference (insert sarcastic tone here).
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 24 September 2020, 09:56:47 pm
It's actually 22%, not 20 %  ;D . massive difference (insert sarcastic tone here).

Was reading whilst eating my tea and talking, my fault for not concentrating.

Gone back to article which states 20% I'm guessing the article isn't correct.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 24 September 2020, 10:01:02 pm
The furlough continuation has been made on the basis employees are back working, on limited- less-than-precovid-hours. SEISS is supposed to be the self-employed equivalent, the implication is that yes we are assumed or supposed to be working.

That's the people who can work from home, how about the whole hospitality industry, manufacturing, retail, travel, medical, beauty and long etc... who can't work from home? Those of us who depend on human interaction? We are not being able to support ourselves because we have no clients as the government keeps encouraging the population to "work from home". So we have the government literally ruining our businesses for encouraging people to stay at home and then not helping us (dear Boris: 22% of our earnings is definately not going to save us). i don't think Boris is reading this but you never know. ;D

 ???
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 24 September 2020, 10:02:52 pm
Was reading whilst eating my tea and talking, my fault for not concentrating.

Gone back to article which states 20% I'm guessing the article isn't correct.

I read it on the Guardian today, but knowing how prone to drama they are love to exagerate everything I wouldn;t be surprised it's actually 20%.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Caledonia on 24 September 2020, 10:37:32 pm
20% according to this. https://www. gov. uk/government/publications/ self-employment-income-support-scheme-seiss-grant-extension (remove spaces)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 25 September 2020, 07:31:41 am
I read it on the Guardian today, but knowing how prone to drama they are love to exagerate everything I wouldn;t be surprised it's actually 20%.

22 percent of worker pay is the Guardian headline, I think that means 22 percent of [all] workers pay rather than 22 per cent for every individual. Further down there's mention of the extension of Self-employed scheme without any figures.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: saltysweet on 07 October 2020, 07:25:35 pm
Just applied for my Covid part 2 which was quick and easy to do as Part 1. I hate forms but it was painless. So waiting to get confirmation. Won't be much but it all helps to keep us in champagne and chocolates. ;D
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: GucciGang on 08 October 2020, 10:32:52 am
2. What the grant extension covers
The extension will provide two grants and will last for six months, from November 2020 to April 2021. Grants will be paid in two lump sum instalments each covering a three-month period.

The first grant will cover a three-month period from the start of November until the end of January. HMRC will provide a taxable grant covering 20 per cent of average monthly trading profits, paid out in a single instalment covering 3 months’ worth of profits, and capped at £1,875 in total.

HMRC are providing broadly the same level of support for the self-employed as is being provided for employees through the Job Support scheme.

The second grant will cover a three-month period from the start of February until the end of April. HMRC will review the level of the second grant and set this in due course.

The grants are subject to Income Tax and National Insurance Contributions.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: English Green on 08 October 2020, 12:04:23 pm
So basically just a small percentage towards what your normal income would have been.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 22 October 2020, 02:00:17 pm
Just seen that SE grants are going to be increased from 20% to 40%  :) It's not that much but it's better than nothing  :)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: amy on 22 October 2020, 04:47:04 pm
Just seen that SE grants are going to be increased from 20% to 40%  :) It's not that much but it's better than nothing  :)

Thanks for that Gypsy. I hadn't seen that and it'll make a big difference to me :).
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 22 October 2020, 04:52:42 pm
Thanks for that Gypsy. I hadn't seen that and it'll make a big difference to me :).

You're welcome, Amy. It made my afternoon too after all the arseholes and timewasters lately  ::)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 22 October 2020, 04:55:24 pm
Yes was hidden in the new job support scheme presentation.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Sammy13 on 22 October 2020, 06:01:52 pm
That’s great. Does anyone know roughly when we can apply for the third one? And is there going to be a fourth at 40% too or is that to still be decided?
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 22 October 2020, 09:54:04 pm
On a side note related to this thread so there it goes: There's a scam doing the rounds and it happened to me a few days ago. Someone from HMRC calls you stating your name is being used for fraudulent Covid help, you then panick, he them proceeds to ask more questions and have you confirm your personal details over the phone. he says if you don;t give him the details you'll get arrested. It's a dodgy call and because I didn;t fall for it he hang up on me. I'm in London and my caller ID showed me a Glasgow phone number.  Scammers on the loose. Be careful ladies.

Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 23 October 2020, 10:34:18 am
That’s great. Does anyone know roughly when we can apply for the third one? And is there going to be a fourth at 40% too or is that to still be decided?

Afaik it's still to be decided.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: sourgrapes on 23 October 2020, 11:46:47 am
It was my understanding the most recent SEISS will have to carry us through to April 2021.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 23 October 2020, 12:44:18 pm
It was my understanding the most recent SEISS will have to carry us through to April 2021.

No, I think we get another grant after this upcoming one. From November to January and then February to April, or something like that.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: mySecret on 23 October 2020, 03:53:24 pm
Also I think we can delay our tax bills again in Jan. As usual all the information is as clear as mud at the moment though

 ::) i will contact them, but well look like that i am not able to pay it right now. so when i ll get the third grant feb-may 2021 i am going to start pay it. LOL

seems that i can ask for it, more if we are on universal credit? seems logic, we need money to survive atm...i do not think that i am not only one to be like this??
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: GucciGang on 31 October 2020, 10:27:51 am
Just an update on when you can actually apply online for the third payout. Worrying if we go on national lock down for a month from Monday.

The online service for the next grant will be available from 14 December 2020. HMRC will provide full details about claiming and applications in guidance on GOV.UK in due course.

To be eligible for the Grant Extension self-employed individuals, including members of partnerships, must:

have been previously eligible for the Self-Employment Income Support Scheme first and second grant (although they do not have to have claimed the previous grants)
declare that they intend to continue to trade and either:
are currently actively trading but are impacted by reduced demand due to coronavirus
were previously trading but are temporarily unable to do so due to coronavirus
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 31 October 2020, 11:07:55 am
Just an update on when you can actually apply online for the third payout. Worrying if we go on national lock down for a month from Monday.

The online service for the next grant will be available from 14 December 2020. HMRC will provide full details about claiming and applications in guidance on GOV.UK in due course.

To be eligible for the Grant Extension self-employed individuals, including members of partnerships, must:

have been previously eligible for the Self-Employment Income Support Scheme first and second grant (although they do not have to have claimed the previous grants)
declare that they intend to continue to trade and either:
are currently actively trading but are impacted by reduced demand due to coronavirus
were previously trading but are temporarily unable to do so due to coronavirus

I thought we could apply in November? They've missed a month out  >:(  >:(
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 31 October 2020, 11:18:32 am
I thought we could apply in November? They've missed a month out  >:(  >:(

Info on the. Gov. UK website says it starts from/covers from 1st November - the claim service starts 14th December.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 31 October 2020, 12:49:29 pm
Info on the. Gov. UK website says it starts from/covers from 1st November - the claim service starts 14th December.

Does anyone know what percentage we're getting this time? (assuming we're only going to get a percentage of the claim, I've heard 20% then 40% and I'm lost at this point).
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Sammy13 on 31 October 2020, 01:19:54 pm
Its 40%. Rishi announced a week or two ago that he was upping it to 40% from 20%
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: ana30 on 31 October 2020, 01:54:53 pm
Its 40%. Rishi announced a week or two ago that he was upping it to 40% from 20%

Thanks Sammy!
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Ellie B on 01 November 2020, 06:26:41 am
I have a feeling that the 40% will be increased to 80% for the self-employment support scheme and can apply for it from 14th December. The furlough scheme was supposed to end 31st October but has been extended for another month as from today. Furlough is 80% - I think the self employment grant will have to match the 80%. It will cover 6 months and be paid in 2 instalments, Nov, Dec, Jan and then the 2nd one is February, March and April.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Gypsy on 01 November 2020, 01:31:03 pm
I have a feeling that the 40% will be increased to 80% for the self-employment support scheme and can apply for it from 14th December. The furlough scheme was supposed to end 31st October but has been extended for another month as from today. Furlough is 80% - I think the self employment grant will have to match the 80%. It will cover 6 months and be paid in 2 instalments, Nov, Dec, Jan and then the 2nd one is February, March and April.

We only got 70% last time, did the employed still get 80% or did they get what we got? I can't remember  ???
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 01 November 2020, 01:43:58 pm
We only got 70% last time, did the employed still get 80% or did they get what we got? I can't remember  ???
I think their's dropped for the second time, just like ours did HOWEVER that was for a period of relaxed restrictions.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Ellie B on 02 November 2020, 02:11:53 am
Mirror might be right about Furlough going down to 70% TBH the whole year is a blur. I am sure Rushi Sunak will be clarifying help for the self-employed anytime soon.
It is a bit worrying when politicians are planning up until April next year for help with those who cannot work. It may well be next Spring before we see the beginning of the end. I think they know more than we do and don't want to cause panic in the country. All we know is that we cannot plan anything right now.  Martin Lewis knows more than the Government, so be sure to watch him each Thursday!!!
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lushblossom on 02 November 2020, 10:39:33 am
Good ole Martin Lewis will advise us Thursday yes.  Great man.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Cat_BBW on 02 November 2020, 03:28:50 pm
New info from Martin Lewis & the Treasury... bit confusing at the mo. 80% for one month, 40% the next two, overall 55%. A tiny raise in what was offered previous to now...

Plus we can apply from end of November.

https://twitter. com/ MartinSLewis/status/1323290727464525825
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: jasmine89 on 02 November 2020, 03:54:45 pm
It’s gone up to 55% Martin Lewis just confirmed it
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 02 November 2020, 03:55:54 pm
It’s gone up to 55%

BBC website reporting on the statement being read to Parliament says it's up to 80% from November.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Cat_BBW on 02 November 2020, 03:56:30 pm
BBC website reporting on the statement being read to Parliament says it's up to 80% from November.

Only for the first month. 40% for the following 2 months.

https://twitter. com/ RishiSunak/status/1323289338793385994
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Mirror on 02 November 2020, 04:10:11 pm
Only for the first month. 40% for the following 2 months.

https://twitter. com/ RishiSunak/status/1323289338793385994

Like shifting sands at the moment!
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Cat_BBW on 05 November 2020, 02:52:54 pm
Good news: Self Employment Grant 3 will now be 80% of trading profits (without the ridiculous 40% on second/third months - just 80% overall). Applications from 30 Nov.

There will be a 4th grant early next year.

https://twitter. com/MartinSLewis/status/1324326417119760385

Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: coolbeanz on 05 November 2020, 03:46:38 pm

OMG just had a look at the government website  ;D
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: GucciGang on 05 November 2020, 05:41:00 pm
Ladies I’m so chuffed with this news of it going up. Such a relief it means I can just chill out now and have no money worried until this dam thing is over. Finally our luck is changing.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Caledonia on 05 November 2020, 08:06:53 pm
So we should get the same as we got for the 1st one?
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: coolbeanz on 05 November 2020, 08:12:41 pm
So we should get the same as we got for the 1st one?


Yes  :angel:
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Caledonia on 05 November 2020, 08:35:21 pm

Yes  :angel:

That's great that will help pay for Christmas
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Ellie B on 05 November 2020, 11:10:31 pm
That's great that will help pay for Christmas

I think Christmas may well be cancelled this year
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Cass on 06 November 2020, 12:08:26 am
So glad I saw this I missed it in the news. Such a massive relief, the pressures off for a few months at least  :)
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Lushblossom on 06 November 2020, 10:25:35 am
Yes I am only going to see returning clients for a while knowing we are getting the SEISS monies.
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: GucciGang on 30 November 2020, 12:08:33 am
If anyone is up I’ve just applied for the third grant took 30 seconds. And got my amount to be paid in a few days. The system was live at 12.01
Title: Re: Help for (some of) the self-employed announcement at last - UK
Post by: Caledonia on 30 November 2020, 12:49:01 am
If anyone is up I’ve just applied for the third grant took 30 seconds. And got my amount to be paid in a few days. The system was live at 12.01

Just checked I can claim from Friday