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Considering giving up the market. Input please.
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Chez



Joined: 13 Aug 2006
Posts: 35859
Location: The Hive of the Uberbee, Quantock Hills, Somerset
PostPosted: Sat Mar 12, 16 11:49 am    Post subject:  Reply with quote    

Lorrainelovesplants wrote:
I think the point Chez is trying to make is that she needs to be working to claim tax credits.
She is finding working and trying to maintain her own health and that of her family situation increasingly hard.
If she can continue to claim tax credits then this opens the door to other credits/benefits.

Although the whole system will change soon, she needs to justify what she is doing, the fact that she cant devote more time to it etc to the deciding authorities.


Yes.

The housing benefit thing is a side issue - just that they've changed the way they assess it for the self employed. Regardless of what you earn, if you are self employed, they assume you are working 35 hrs a work and earning £7.20 and you have to justify yourself if you aren't.

Tightening up the Tax Credits is a similar thing - I guess they are looking at wiping off people claiming who are just pretending to run a business. Our issue is that we are spending so much time caring (or fitting) that we have run the business down considerably and if we ditch the market, we will probably no longer fit the claim criteria.

I have no issue with claiming what we are entitled to, but I don't want to claim if it's legally or morally wrong.

It might be less stress to stop claiming the working tax credits, which will drop us £53 a week, and just keep on doing the market, actually. I hadn't thought of that. Does anyone know what impact that would have on other benefits? I will obviously look on CAB etc websites. I don't think we can manage without the housing benefit and if that is impacted, it would be an issue. We don't claim any other work related benefits.

RichardW



Joined: 24 Aug 2006
Posts: 8414
Location: Llyn Peninsular North Wales
PostPosted: Sat Mar 12, 16 12:53 pm    Post subject: Reply with quote    

Chez wrote:

It might be less stress to stop claiming the working tax credits, which will drop us £53 a week, Does anyone know what impact that would have on other benefits?


If you change your claim now I think you will go onto the new single claim scheme straight away. From what I have seen of it you want to delay that for as long as possible. Worth noting that once on it they have to keep you on the same money you would have been on even if the new scheme should have you on less. I am not sure how long that is for.

For years they wanted people to start small business to get them off UB or IS. Now they want to close all the marginal ones down & get them back on the UB or IS.

Nick



Joined: 02 Nov 2004
Posts: 33661
Location: Hereford
PostPosted: Sat Mar 12, 16 1:18 pm    Post subject: Reply with quote    

I don't think anyone wants you to claim what's not legally yours. But what's morally?

Stuff that. Claim what you can. When you start bathing in champagne I'll start moaning. Until then, you're sick. You've a life limited daughter and the other two and all others around are also suffering. Morally? Bah, what on earth do you mean? Claim. Take it. It's the reason you paid tax when you did.

I can't imagine the stress of daily life. Don't invent reasons to beat yourself up; we have a government to do that.

Chez



Joined: 13 Aug 2006
Posts: 35859
Location: The Hive of the Uberbee, Quantock Hills, Somerset
PostPosted: Sat Mar 12, 16 2:00 pm    Post subject: Reply with quote    

I think it was more that I don't want to waste my time claiming what I'm going to get knocked back for.

I've just spent half an hour on 'turn to us' looking at benefits permutations; and the only thing I've come away with for certain is that when they move us on to Universal Credit, we'll lose £600 a month, not including any housing benefit permutations. I'd have a gin, but I think I should save it .

RichardW



Joined: 24 Aug 2006
Posts: 8414
Location: Llyn Peninsular North Wales
PostPosted: Sat Mar 12, 16 6:18 pm    Post subject: Reply with quote    

Nick wrote:
I don't think anyone wants you to claim what's not legally yours. But what's morally?

Stuff that. Claim what you can. When you start bathing in champagne I'll start moaning. Until then, you're sick. You've a life limited daughter and the other two and all others around are also suffering. Morally? Bah, what on earth do you mean? Claim. Take it. It's the reason you paid tax when you did.

I can't imagine the stress of daily life. Don't invent reasons to beat yourself up; we have a government to do that.


I dont often fully agree with Nick but I do on this.

RichardW



Joined: 24 Aug 2006
Posts: 8414
Location: Llyn Peninsular North Wales
PostPosted: Sat Mar 12, 16 6:20 pm    Post subject: Reply with quote    

Chez wrote:
the only thing I've come away with for certain is that when they move us on to Universal Credit, we'll lose £600 a month,


That is crazy.

I knew it was bad but hell thats crap.

jema
Downsizer Moderator


Joined: 28 Oct 2004
Posts: 26551
Location: escaped from Swindon
PostPosted: Sun Mar 13, 16 12:10 am    Post subject: Reply with quote    

there is no morality any more, the production capability of this Country and indeed the whole human race, should see us all regardless of circumstance living good lives.

Hairyloon



Joined: 20 Nov 2008
Posts: 14799
Location: Today I are mostly being in Yorkshire.
PostPosted: Sun Mar 13, 16 4:23 am    Post subject: Reply with quote    

jema wrote:
there is no morality any more, the production capability of this Country and indeed the whole human race, should see us all regardless of circumstance living good lives.

That the world is dominated by the immoral does not suggest that the world is without morality.

Mistress Rose



Joined: 21 Jul 2011
Posts: 8741

PostPosted: Sun Mar 13, 16 7:25 am    Post subject: Reply with quote    

Chez, even if you claim a little bit that isn't 'legally' yours, nobody is going to complain. You are going to have the same hassle claiming anything I am afraid. Try going along to the CAB. They have advisers who will try to help you through the system and have studied it and its nuances. If they can, they will help you as far as possible, and imo you are a very deserving and complex case that needs all the help you can get.

boisdevie1



Joined: 11 Aug 2006
Posts: 3896
Location: Lancaster
PostPosted: Sun Mar 13, 16 10:42 am    Post subject: Reply with quote    

"In addition, the hours and the turnover give us gravitas for Working Tax Credits. WTC bring in £53 a week. If we ditch the market, we may lose some, if not all, of that - our hours will drop below the threshold.

It is possible that if I am reclassified as having a disability, we may need fewer hours to maintain a claim. I claim Carers' Allowance for Nen. I am not sure if I can still claim that if I am 'disabled'. "

The only way to make a good decision is to have all the information about the financial implications of any decision. You don't have that yet.

Good luck

dpack



Joined: 02 Jul 2005
Posts: 32888
Location: yes
PostPosted: Sun Mar 13, 16 8:21 pm    Post subject: Reply with quote    

Hairyloon wrote:
jema wrote:
there is no morality any more, the production capability of this Country and indeed the whole human race, should see us all regardless of circumstance living good lives.

That the world is dominated by the immoral does not suggest that the world is without morality.


we should all remember this as we change it.

john of wessex



Joined: 18 Jun 2007
Posts: 2111

PostPosted: Sun Mar 13, 16 9:07 pm    Post subject: Reply with quote    

Chez wrote:


Yes.

The housing benefit thing is a side issue - just that they've changed the way they assess it for the self employed. Regardless of what you earn, if you are self employed, they assume you are working 35 hrs a work and earning £7.20 and you have to justify yourself if you aren't.



Reg 38 Housing Benefit Regulations 2006

regulation 38 Calculation of net profit of self-employed earners (1) For the purposes of regulation 30 (average weekly earnings of self-employed earners) the earnings of a claimant to be taken into account shall beó
(a) in the case of a self-employed earner who is engaged in employment on his own account, the net profit derived from that employment;

Basically if the Local Authority are calculating your earnings as you state they are acting unlawfully. If you have applied for HB & they have put you through that process I suggest a formal complaint needs to go in first thing tomorrow, along with an appeal.

Citizens Advice can help, if not PM me

arvo



Joined: 04 Dec 2006
Posts: 3321
Location: Somerset
PostPosted: Mon Mar 14, 16 4:15 pm    Post subject: Reply with quote    

I did wonder whether the whole council tax thing was legal. I reckon in our case it at least contravenes the Carers' Act right to work thing.

Rob R



Joined: 28 Oct 2004
Posts: 31902
Location: York
PostPosted: Mon Mar 14, 16 5:37 pm    Post subject: Reply with quote    

john of wessex wrote:
Chez wrote:


Yes.

The housing benefit thing is a side issue - just that they've changed the way they assess it for the self employed. Regardless of what you earn, if you are self employed, they assume you are working 35 hrs a work and earning £7.20 and you have to justify yourself if you aren't.



Reg 38 Housing Benefit Regulations 2006

regulation 38 Calculation of net profit of self-employed earners (1) For the purposes of regulation 30 (average weekly earnings of self-employed earners) the earnings of a claimant to be taken into account shall beó
(a) in the case of a self-employed earner who is engaged in employment on his own account, the net profit derived from that employment;

Basically if the Local Authority are calculating your earnings as you state they are acting unlawfully. If you have applied for HB & they have put you through that process I suggest a formal complaint needs to go in first thing tomorrow, along with an appeal.

Citizens Advice can help, if not PM me



Rob R



Joined: 28 Oct 2004
Posts: 31902
Location: York
PostPosted: Mon Mar 14, 16 5:46 pm    Post subject: Reply with quote    

jema wrote:
there is no morality any more, the production capability of this Country and indeed the whole human race, should see us all regardless of circumstance living good lives.


There are cart loads of morality out there, sadly it is eclipsed by wittering and inaction.

I was outside a newsagents this afternoon when I saw that they'd started stocking 'wool' in a range of gawdy colours that you never see anyone wearing. It got me wondering why we're pumping the stuff out of the ground to make it into something that never sees the light of day. Because we can, is probably the answer.

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