World News – GB – Holidays, Mortgage Breaks & Repayments – Financial Aid Available in Lockdown

The new restrictions go hand in hand with new laws for workers, homeowners and billpayers, including six-month breaks for those in difficulty

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A second nationwide lockdown is currently underway in England, forcing non-essential stores and businesses to close

This means thousands more workers will be put on leave as businesses, including pubs, restaurants, clothing stores and entertainment venues, close for the next four weeks.

For others, it could be longer if level 3 restrictions continue over Christmas and New Years, Mirror reports

The Treasury has also introduced similar aid for the self-employed and an extension of rebound loans for businesses

The new restrictions go hand in hand with new laws for workers, homeowners and billpayers, including six-month breaks for those in difficulty

But this time, the measures will not be as generous with the judicial officers and the CTs for example not suspended during the four-week break

If you cannot work from home but are considered ‘extremely vulnerable’ you should be able to claim sick pay for your absence from work in the next four weeks

Under the new rules, people in this category are invited to stay at home unless they have a medical appointment

There will be no food parcels for those at risk, but some supermarkets have increased their online delivery slots If you have family friends nearby, you may be able to ask them to help with essential supermarket products

People unable to leave their homes may be eligible for Statutory Sickness Benefit, Employment and Support Allowance, Universal Credit, or the Coronavirus Job Retention Program Talk to your employer of your options

From today, the extremely vulnerable group has been expanded to also include adults with Down syndrome

Weddings will not take place under the new guidelines unless you have an exceptional circumstance, such as a terminal illness

If your plans were disrupted, contact your wedding venue to postpone or get a full refund

The law says that while you are legally entitled to a full refund if your ceremony was canceled due to a lockdown

The wedding company may, however, be able to withhold certain amounts relating to expenses it has already incurred for the wedding, such as custom decoration costs In this case, the company must postpone your reservation

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Borrowers who have not yet had a mortgage vacation can request a six-month break from their lender

Those whose payments have already been deferred can extend their mortgage leave until they reach the six-month limit

During this period, interest will continue to accrue on what borrowers owe, but your credit report will not be affected

Borrowers who have already reached the maximum mortgage leave of six months and still have difficulty repaying are encouraged to speak to their lender about a personalized support plan

Do you agree with the lockdown measures imposed? Give your opinion by answering our short survey

If you were to go on vacation during the lockdown period, do not cancel your vacation or flight

If you cancel you may lose your right to a refund If your travel agency or airline cancels your package holiday you are entitled to a full refund (which must be paid within 14 days) You can also accept a credit note or a new travel date

The DVSA has confirmed that driving lessons and testing will not continue during the November lockdown

« Following the government’s announcement of stricter national restrictions from Thursday, training and testing of drivers and pilots will be suspended in England from November 5 to December 2, 2020, » a spokesperson said. word

If you have booked a test you can request a full refund or a new date The same goes if you have pre-booked lessons with an instructor

The Treasury has agreed to extend the leave based on the new closures and it is restoring the 80% payment, which means the government will pay the majority of your wages

New rules apply when workers cannot go to work This includes those who have never been on leave before

80% of salary will remain up to £ 2,500 per month, but you can also work part-time

All employees who were on a payroll submitted to HM Revenue & Customs (HMRC) before October 31 are eligible

Third Self-Employment Income Support (SEISS) program (November to January) increased to 80% for 30 days – but applications don’t open until the end of the month

It was previously set at 40% but has been changed for the lockout period This means over the three months it is worth 55% up to a maximum of £ 5,160 Find out who qualifies here

People are urged to work from home with new foreclosure measures and that means you can get tax relief for the inconvenience

If you’ve had to work from home for a day since April 6, you can now claim tax relief for the whole year – worth up to £ 125

This money can be spent on anything related to working from home, like your broadband bill or extra office items You also don’t need to submit any proof

People can find out more and make a claim to the governmenten / employee tax relief / working from home The amount you receive will be paid directly through your salary

Treasury expands emergency business lending program, will allow businesses to ‘top up’ their borrowing under new rules designed to keep businesses afloat during second lockdown

From Thursday, those who did not take the full amount the first time will be allowed to borrow more

This means that struggling businesses can borrow up to 25% of their annual turnover (maximum £ 50,000) under exceptional conditions

UK businesses also have until the end of January to apply for emergency business loans, including Bounce Loans (BBLS), Coronavirus Business Interruption Loans (CBILS) and the CLBILS program for large companies

It’s two months longer than the current deadline of November 30.The extension also applies to the Future Fund, aimed at UK startups

Gyms are closed again, so if you paid in advance you should be allowed to suspend, cancel, or get a refund on your membership

The & Competition Authority states that « when consumers have paid money in advance for services or goods that they have not yet received, they will generally have the right to ‘get a refund « With gyms this is usually given as a credit

When the UK was locked down in March, most retailers agreed to extend their return periods to 90 days or more

As a general rule, customers are advised not to return products purchased from an online store. If you are concerned about your rights, contact the reseller directly

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