Can we claim PPI back?? HELP!

maxdp

Sorry for butting in but I wonder if you have to prove you have ceased trading before you can get any benefits or claim PPI. I think, though I may be wrong that you have to have audited accounts to prove this. Just a thought

marshallka

maxdp wrote: »

Sorry for butting in but I wonder if you have to prove you have ceased trading before you can get any benefits or claim PPI. I think, though I may be wrong that you have to have audited accounts to prove this. Just a thought

There are two types of benefit being contribution based and income based and contribution based Job seekers allowance needs you to have paid class 1 NI. When you are self employed though you pay class 2 and class 4 BUT to claim income based you need to have a low income and it counts your partners income too. You can however sign on unemployed and not receive anything but your credits for your NI I think. As long as you have proof of being unemployed then you should in effect be able to claim on your PPI. This is where they state that if you have ceased trading (or business wound up) you can make a claim. Don't know if you have to supply accounts for this or not????

Also then you have sometimes made a claim on the PPI and along comes work in the next couple of weeks (and you cannot turn it down so you sign off and!!) then you are back to square one. You cannot make another claim on the PPI then for some months (sometimes it states you have to have been in work again for 6 months) and after your couple of weeks work, you are back to square one. Very complicated.

maxdp

marshallka wrote: »

There are two types of benefit being contribution based and income based and contribution based Job seekers allowance needs you to have paid class 1 NI. When you are self employed though you pay class 2 and class 4 BUT to claim income based you need to have a low income and it counts your partners income too. You can however sign on unemployed and not receive anything but your credits for your NI I think. As long as you have proof of being unemployed then you should in effect be able to claim on your PPI. This is where they state that if you have ceased trading (or business wound up) you can make a claim. Don't know if you have to supply accounts for this or not????

Also then you have sometimes made a claim on the PPI and along comes work in the next couple of weeks (and you cannot turn it down so you sign off and!!) then you are back to square one. You cannot make another claim on the PPI then for some months (sometimes it states you have to have been in work again for 6 months) and after your couple of weeks work, you are back to square one. Very complicated.

I see thanks for explaining that one, rather complicated thoughdifficult to prove. As self employed you have times that work is non existent then just when you think you are going belly up more work comes in. As you say complicated.