Baillif coming

RAS

tigtag02 wrote: »

NI would not be due on 15 hours a week at min wage

Even better, so well over £100 per week addtional income.

However if you got to the NI limit (what is it tigtag?) then you would be setting yourself up for a state pension at well.

tigtag02

RAS wrote: »

Even better, so well over £100 per week addtional income.

However if you got to the NI limit (what is it tigtag?) then you would be setting yourself up for a state pension at well.

Are you sitting comfortably? Then I shall bore you with my knowledge :rolleyes:

£87 is the LEL (lower earnings limit) This is what you have to earn on average to qualify for things like SSP.
£13 is the ET (Earnings Threshold)

These two figures added together is what you can earn weekly before NI becomes payable (at 11%)

Assuming you are on a single persons tax code of 522L then the tax threashold is also approx £100 before you are liable for deductions.

HTH
tigtag

plonker

But won't it be classed as a second income due to OH working which then will make me liable for tax ?

RAS

plonker wrote: »

But won't it be classed as a second income due to OH working which then will make me liable for tax ?

No, you can earn up to £5220 a year without paying tax. And £100 a week (roughly the same amount per year) without paying NI.

So you working part-time and getting £5000 a year would be much better than OH getting paid an extra £5000 a year as he would have to pay 11% Ni and whatever the current tax rate is (23%?) meaning he only got about £3300 take home pay after deductions.

Ansd you will probably get more WTC/CTC as well, but check it out

tigtag02

plonker wrote: »

But won't it be classed as a second income due to OH working which then will make me liable for tax ?

RAS is correct - everyone has their own indiviual allowences

anniestar

Hi haven't read all of this so many appologies if I am repeating advice or expierences. Last year I fouind myself having the great "pleasure " of dealing with bailiffs. Not for the full year our "caring " council has a policy of 2 late payments ie 2 reminders and then court. Anyway if there is any way that you can avoid ANY dealings with the dregs that go under the name of bailiffs.I ended up paying hundreds over the odds. They charge you for the letter they send you, they charge you for visits that do not occour(even when you have independent witnesses proving that they were lying) they charge you for the walking posession visit and even tried to charge me for the visit where I was paying the lot off.(He DIDN'T get away with THAT one thanks to the gang on here though) Good luck with everything, please take as much advice as you can and try to have nothing to do with lowlife bailiffs.

RAS

Hi

Just read your other thread and realised that your Hubby has arrears on tax, but that htese are not mentioned in your SOA.

Please get proper advice from CCCS, Payplan, CAB or national Debtline ASAP>

Herbie21

Anniestart thank you for this, you are right of course but there is far more to this than most people realise.

It is now common place for local authorities to obtain a Liability Order in the Magistrates Court for unpaid council tax. In fact as you have correctly stated just 2 months late and your case in put forward for a Liability Order.

BUT THIS IS THE SINISTER PART.

Last year there were over 4 million Liability Orders granted. The cost for this is just £6. However local authorities charge between £65 and £85 ON TOP of the outstanding council tax and for business rates they charge approx: £100-£125.

The average council tax debt passed to bailiff's for collection is £610 and for business rates is approx: £2.960.

Simple arithmetic will show that for council tax the local authority is making an ADDITIONAL 10% on top of the outstanding debt. Multiply this by 4 million cases and this is a SUBSTANTIAL amount of additional revenue pouring into local council offices !!!!

Now you can see why the councils are very quick in obtaining a Liability Order.

PS: And the majority of people affected by bailiffs are the ones that cannot afford the council tax in the first place !!!

moneymare

Herbie21 wrote: »

It is now common place for local authorities to obtain a Liability Order in the Magistrates Court for unpaid council tax. In fact as you have correctly stated just 2 months late and your case in put forward for a Liability Order.

BUT THIS IS THE SINISTER PART.

Last year there were over 4 million Liability Orders granted. The cost for this is just £6. However local authorities charge between £65 and £85 ON TOP of the outstanding council tax and for business rates they charge approx: £100-£125.

The average council tax debt passed to bailiff's for collection is £610 and for business rates is approx: £2.960.

Simple arithmetic will show that for council tax the local authority is making an ADDITIONAL 10% on top of the outstanding debt. Multiply this by 4 million cases and this is a SUBSTANTIAL amount of additional revenue pouring into local council offices !!!!

Now you can see why the councils are very quick in obtaining a Liability Order.

PS: And the majority of people affected by bailiffs are the ones that cannot afford the council tax in the first place !!!

Just to correct a few points.

Under Council Tax Regulations, you are entitled to two reminders in any one financial year. This is only the case where the first reminder is brought fully up to date. After this, should you default on an instalment, the Council can issue a demand for the full remaining balance of that financial year.

Should the Council get to this point (and where I work, in particular), a Summons is then issued, which incurs a charge of £30 to be added to the balance of the account. If the balance, including £30 costs, is not paid by the Court Date then the case will go before the Magistrates. Should a Liability Order be granted, then the Magistrates grant an additional £30 in costs. Therefore, the actual cost of the Liability Order is £30 - the other £30 is for the issue of the Summons.

For Business Rates, you are only entitled to one Reminder in the Financial Year. Should the account be defaulted on a second time, the same procedure as for Council Tax is followed, and the same costs incurred.

These costs vary from Council to Council.

Herbie21

Thank you for that response. No bailiff can attened unless a 14 day notice has been given in writing before the first visit.

I think I am right in saying that the notice must contain the required information as prescribed by Regulation 45A of the Council Tax (Administration & Enforcement) Reg 1992.

We currently have a client with a small business who has been charged court costs of £185 and previous client with a different local authority who was charged £225. You are right of course in that the amount can vary between each council.