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Gift cards
I have a number of gift cards which I haven’t been able to use for obvious reasons. Most places have automatically extended their validity date. However, ticket master do not seem to offer this nor can I get through to them. It runs out on 31st Dec and with all the uncertainty I am reluctant to book a show/gig. I don’t…
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No furlough from employer , 2nd job
Hi hope someone can help . Started a new job end of July after lockdown in a pub/bar . Owner has to close due us being in their 4 , she decided not to reopen when it was reduced to tier 3 as not financially viable , she won't furlough myself an 1 other full time member of staff as it costs the company too much ! Other…
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BOUNCE BACK LOAN DECLINED
I have applied with my current bank for a bounce back loan . I fulfill all criteria for the loan and have supplied my SA302 etc. They have turned me down withouf explanation. I applied for 25% of turnover. Now correct me if I'm wrong but as they're 100% guaranteed by the government, how can you be turned down? I didn't…
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Directors Loan/BBL/Business Loan
Hi I’m after some help. I started my company as a single director a few years back, ran it badly and basically used it as a personal bank account, about 3 years ago I borrowed around 30k via a business loan of which I’ve paid off in 18 months, the company has always been in the red, never really held money. Over the last…
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Shielding - sick pay or furlough
Why is it that someone who is extremely vulnerable and is advised by the NHS/government by letter to shield for 12 weeks to ensure that they protect themselves due to their severe underlying medical conditions, who work full time for a company that can decide how much if any you will be paid during the time you are…
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Promised Furlough
In the November lockdown, my partner (who had been employed since September) was put on furlough for November and December. He has now been told that he is not eligible for furlough (which is correct) however is there anyway he would be entitled to money if it was promised to him. He was paid by his employer for November.
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Furlough and Universal Credit top up help!
Hi I'm a Director of a small Ltd company paying myself the full tax free salary of £1025 so I have fortunately been able to claim 80 % of this on furlough. Universal Credit then top this up, however I am in an ongoing argument with them. They are basing my UC on me being paid £1025 and even though I have told them I am on…
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Employer only paying 20% of holiday pay after furlough
My employer is only paying me 20% of my wage for my annual leave for unclear reasons related to me being on furlough from March-October. I work full time and am usually entitled to 28 days annual leave with full pay. They claim that the government only funded 60% of my furlough pay, which they topped up to 80% - which is…
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Exchanging contracts in lockdown - covid 19 clause?!
Hi I was hoping for some advice (apologies if already covered but there was a lot of posts to read through!) I am currently in a 5 person chain - all was progressing well and we were near on at the stage of exchange just as lock down hit. We are now in a situation where some of the solicitors in the chain are happy to…
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MSE NEWS: Furlough scheme extended again until end of April
The furlough scheme set up to support those whose jobs have been affected by the coronavirus pandemic has been extended another month and will now run until the end of April 2021, the Chancellor Rishi Sunak announced today. And businesses will now be able to apply for Government support schemes including bounce back loans…
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Holiday pay when I didn’t qualify for Furlough
Hi I started my job 10th March, first payday 8th April so I didn’t qualify for furlough. I was off until the end of August with no pay, my question is- would/should I have still accrued holidays in that time off? Employees who received furlough still got holiday pay but I just can’t find anything on my situation. Thank you…
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Success applying for discretionary isolation payment (non benefit)
Hey guys Has anyone had any success when applying for the discretionary isolation payment (not the benefit one) from their local council? DH needed to isolate for the 2 weeks after I tested positive. Because of his work putting him on SSP he's lost to the tune of £588 this month (not incl overtime) and split over two…
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SEISS 3
I am a self employed contractor, and claimed both of the first two SEISS grants as my contracted hours were reduced I went back to full time hours in September, but at the beginning of November I was told I wouldn't be needed at all for January I claimed SEISS3 & this has been paid to me - my income for Nov & Dec will be…
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Bounce Back Loan Sole Trader and Personal Bank Account
Hi there, I am a business owner of 7 years and am looking for a BBL however as a sole trader I have always used my personal account with Halifax for all my business banking. Has anyone come across any bank lending to Sole Traders with Personal accounts? I have applied to Starling as I was told they offer a feeder account…
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SEISS Conundrum
Hey everyone, I was eligible for grants 1 and 2 on the basis of an 18/19 tax return as a sole trader in the events industry, and operating in the 19/20 tax year in the same industry with work wiped out in March. Work has remained wiped out, forcing me to seek alternative employment in construction on CIS. I am now in…
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Covid test results query
Hi I work for a small construction company, we have been very lucky, not only that we have worked throughout, but that the job area we are working on currently allows the guys to work safely while maintaining distance. One of the subcontractors tested positive at the weekend, so obviously not working. All of the others…
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More SEISS doubts
HiAs the 3rd SEISS requires you to estimate the year's taxable profits, does this include the money from the 1st two grants or earnings from work only?As an aside, to show that I have reduced demand it would be enough to show my earnings from the months in question I guess? I am earning around 66% compared to recent years…
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Furlough paid incorrectly?
I have a colleague at work who I believe received a significant under payment of Furlough between April & July 2020. I am aware from the gov.uk site that Furlough is paid on the higher of: · the average number of hours worked in the tax year 2019 to 2020 · the corresponding calendar period in the tax year 2019 to 2020 My…
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Furlough + Holidays
Hi, I was just hoping to get a better understanding about furlough in relation to holiday pay. I have been with my employer 5+ years on an annualised hours permanent contract. Before the second lockdown was announced I had worked over my hours, and had around 20 days holiday to take. The business normally closes for 2…
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Employer is trying to get me into work, even though GP note
I’ve been working from home since March, due to health and mental health issues around covid. My latest sick note from my GP says I need to work from home. My employer is saying that I cannot continue working from home, I think this is in part because some are leaving due to covid risks. It is an education setting. Anyway…
