The Advice Thread

[lemonjelly]

Whether you resign or not, they owe you the money for the work done. The issue will be whether you enforce that right with the personal involvement.

Having payslips is a good thing. You were on the books, and deductions were being made, so that should be ok.

The issue might be that on starting a new job you may well be put onto emergency tax, as you're unable to give a p45.

 

[Trips]

Completing a P46 form can get around the emergency tax issue, they are available to print online - quick google search.

As LJ says any work you have done you are owed money for. Don't worry about HMRC, they are only concerned around what money you've been paid, not what you have worked. If you haven't been paid then there are no tax issues.

In regards to the money owed you, it seems like it will be a fine balancing act. Obviously you want to be paid, so my advice would be to sit down with your girlfriends Dad and find out when he can pay you. My guess would be if he can't afford to pay you then his business is in some sort of trouble, be it cashflow or something more serious. You want the money you're owed but if you need to end up going down the legal route to get it, it could then cause issues in your relationship.

 

[wanderer89]

Right so that's a good thing. I've got no problem doing it as a last resort, I just don't want it to get to that stage.

Another good thing then, I need to see if he's got the rest of them cause I don't have them all.

That's what I'd read and was a little concerned about, the emergency tax and that I'd need to hand in my resignation to get the P45 but if I can do that without worrying I won't get the money, I've got no problem resigning.

 

[Trips]

Even if you resign mate, money owed is money owed.

And if there's a hold-up with your P45, P46 will be fine. Have linked one underneath.

http://www.lboro.ac.uk/media/wwwlboroacuk/content/humanresources/downloads/2016/p46.pdf

 

[FrankMunro-371]

I am back at the doctors with the good lady next week. Can we demand an MRI scan, or is the doctors decision?

Thank you in advance for any assistance.

 

[Parkins left foot]

I am back at the doctors with the good lady next week. Can we demand an MRI scan, or is the doctors decision?

Thank you in advance for any assistance.

Certainly think that you would be entitled to ask, but would need to have a reason for why you were doing so

Up to the Doctor to agree or not but would need to put sensible medical reasons for declining if thats what he/she does

 

[FrankMunro-371]

Certainly think that you would be entitled to ask, but would need to have a reason for why you were doing so

Up to the Doctor to agree or not but would need to put sensible medical reasons for declining if thats what he/she does

Thank you Sir. Well having spent most of the two weeks either at the doctors or the hospital, and they still have not identified the problem. They have dove just about every test going apart from MRI. The good lady really is poorly, and we need a diagnosis as a matter of urgency.

 

[Keef]

Blimey frank,not the best of years you've been having,hope it all goes well for you and the good lady

 

[FrankMunro-371]

Blimey frank,not the best of years you've been having,hope it all goes well for you and the good lady

Thank you. I have got a useless hand, but I fear that Christines problems are far morse serious. Anyway if the doctor won't send her for a MRI scan, then I will take her to get one done privately.

 

[Dublin Drummer Wolf]

Thank you. I have got a useless hand, but I fear that Christines problems are far morse serious. Anyway if the doctor won't send her for a MRI scan, then I will take her to get one done privately.

Sorry to read that Christine is having issue again Frank, I wish both of you all the best and hope she is on the mend soon!

 

[FrankMunro-371]

Sorry to read that Christine is having issue again Frank, I wish both of you all the best and hope she is on the mend soon!

Thank you. Depending on the outcome of our appointment with the consultant on Friday, we will then decide whether to go private.

 

[Hereford Wolf]

Hope you get some positive news soon Frank. I wish you both well.

 

[FrankMunro-371]

Hope you get some positive news soon Frank. I wish you both well.

Thank you HW. The worst thing is I really do not like to see the good lady as she is.

 

[Nando]

So my now ex binned my car into the entrance gate of a council owned car park in September as one of the named driver on my policy.

I've now received a notice from my insurers that a claim has been filed against my policy. I think I know the answer here, but am I now going to be liable for the associated costs with my premium going through the roof at renewal time.

Fucking excellent stuff.

 

[Tredman]

So my now ex binned my car into the entrance gate of a council owned car park in September as one of the named driver on my policy.

I've now received a notice from my insurers that a claim has been filed against my policy. I think I know the answer here, but am I now going to be liable for the associated costs with my premium is going to go through the roof at renewal time.

Fucking excellent stuff.

My wife did something similar a few years ago, yes you will be liable.. Sorry.

If its any comfort her policy didn't go up that much, plus any claim goes against the driver too - so you should just lose any no claims, assuming she's no longer named on your policy.

 

[Parkins left foot]

Any tax (VAT) experts amongst you?

My son has posed a question that I cannot at the moment find a way round without incurring additional tax for a time. He runs a car body repair place & has joined forces with another chap in the same business who he has known for some years & whose workshop site was sold off for development so the are working from my son’s workshop & intending to close both of the old firms down & reset up from there either as a partnership or Ltd Co.

Not dealt with that fully as a yet and in any event wanted a trial period to make sure that they could work together. Both are on the Flat Rate VAT scheme (8.5% of gross turnover which is the rate for the motor trade), all bills & invoices are going through my son’s firm though 50% should be to the other chap who equally should pay for 50% of the other costs (rent/rates/ energy etc.).

Invoices from firm B to my sons’ (whether done per job or say weekly/monthly net of the running costs for that period) will have to include VAT which the other chap will have to pay his 8.5% on. So, whilst they will end up with the same amount net each then they will between them have paid a total of 12.75% VAT on the same jobs.
Does not want to contact HMRC at this stage or pay for a tax specialist for something which will be temporary.

Apologies if this doesn’t explain clearly & I can clarify, but didn’t want to make this post too long at this stage

 

[Rod Hull]

Unfortunately, while they're both trading as two separate legal entities with their own VAT numbers then that would be the case.

Your son could employ the other guy on his payroll and pay him for the work done that way. This would be outside the scope of VAT but would incur national insurance.

 

[Penk Wolf]

I can't see how there would be anyway round it as they are two separate entities, two V.A.T numbers, etc.

 

[Penk Wolf]

Just a thought, shouldn't he be charging your son V.A.T. at 20%?

So, of a £100 job, your son will make £51.50 where his mate will make £55.75

 

[Parkins left foot]

Unfortunately, while they're both trading as two separate legal entities with their own VAT numbers then that would be the case.

Your son could employ the other guy on his payroll and pay him for the work done that way. This would be outside the scope of VAT but would incur national insurance.

I can't see how there would be anyway round it as they are two separate entities, two V.A.T numbers, etc.

Just a thought, shouldn't he be charging your son V.A.T. at 20%?

So, of a £100 job, your son will make £51.50 where his mate will make £55.75

That's what I worked out would be the issue - re the disparity of net to each you can slightly weight the split so that they both end up with almost the same net after paying the VAT (don't need to get too anal with decimal points & pennies).

As far as I can see the best you can do is minimise the damage & as said it is only going to be a temporary issue. Think that if they can agree then in would make sense for Andy to invoice my son monthly for half the work done (weighted to allow for the above) net of his share of the workshop expenses as this will reduce the overcalculation