Final SOA - Any advice would be great - thanks :)

kepar

lisa.89 wrote: »

Hi,

No she is not but she has been providing child care for over a year now since I went back to work. Do you think this will be a problem as my IVA company were fine with it. It is cheaper than nursery so surely thats a good thing....?

Thanks

As far as I am aware it is illegal to pay someone to provide childcare who is not registered. One reason is because that person would have no insurance if anything went wrong.

Also is your MIL declaring her income?

The OR probably would not be bothered, but you should be.

lisa.89

kepar wrote: »

As far as I am aware it is illegal to pay someone to provide childcare who is not registered. One reason is because that person would have no insurance if anything went wrong.

Also is your MIL declaring her income?

The OR probably would not be bothered, but you should be.

Thanks but i think you are wrong as lots of grand parents provide child care in this country and I am very sure that most are not registered child minders. Also, she doesn't work and doesn't claim any benefits, what we pay her brings her under threshold for tax too.

lisa.89

lisa.89 wrote: »

Thanks but i think you are wrong as lots of grand parents provide child care in this country and I am very sure that most are not registered child minders. Also, she doesn't work and doesn't claim any benefits, what we pay her brings her under threshold for tax too.

Just to add also, I do not use tax credits to pay my mother in law - this comes from my wages.

narabanekeater

Lisa is correct it is indeed illegal if unregistered

princessdon

Just to clarify, it is INFORMAL childcare if unregistered not illeagal or many grandparents and friends would be in prison

You can't claim tax credits to pay the childcare but you can be a decent human being and pay grannie a few quid to cover lunches, trips, outings, leccy etc. In fact many people do as they wouldn't like to think they are adding to the financial burden of a relative who is already doing them a huge favour.

PippaGirl_2

I did post the url where I got this information from but as a new user I am not allowed so have removed it, however the information below was obtained from a BBC webpage.

Ofsted says close relatives of the child such as siblings, grandparents and aunts and uncles are exempt from registration.
According to the Childcare Act, carers who are not a close family member also do not have to register if:

• The childcare takes place in the parents' home
• or it only takes place between 1800 and 0200
• or the childcare takes place fewer than two hours a day, or 14 days a year.

JCS1

lisa.89 wrote: »

Will the mobile phone co. be written to?

Only if you list them as a creditor on your paperwork, but they might find out from other sources, such as the London Gazette.

kepar

princessdon wrote: »

Just to clarify, it is INFORMAL childcare if unregistered not illeagal or many grandparents and friends would be in prison

You can't claim tax credits to pay the childcare but you can be a decent human being and pay grannie a few quid to cover lunches, trips, outings, leccy etc. In fact many people do as they wouldn't like to think they are adding to the financial burden of a relative who is already doing them a huge favour.

I agree but £300 a month is not a few quid.
If I was being cynical, why is it £300, that being the sum to keep you from paying an IPA.

lisa.89

kepar wrote: »

I agree but £300 a month is not a few quid.
If I was being cynical, why is it £300, that being the sum to keep you from paying an IPA.

Sorry but this is not the sum to keep me from paying an IPA. I am quite happy to pay an IPA if there is money left over.

If you must know, my father in law died a year ago and he was the wage earner as my mother in law has always been a house wife. She got a small pension from him etc but was loooking at getting a cleaning job - this arrangement works for all of us. Anything less then she will need to look for a job and i would rather gran look after my child than a stranger - I shouldn't have to justify who I choose to look after my child.

PippaGirl_2

The OR may ask you what hours your child is cared for as part of this arrangement and will look at whether the amount of money you are paying is reasonable and whether you could find cheaper child care possibly.