[AuRavelling79]

What's the situation if your business hasn't been adversely affected by CV.  Do you still put a claim in anyway?

If your business hasn’t been adversely affected you don’t meet the criteria to qualify for the grant.

Exactly.....its plain wrong.......theres real people financially suffering out there....not the likes of us....

Speak for yourself Dazmond. You immediately worked all through the lockdown and thrust that decision under the faces of everyone on this forum and encouraged us to do the same. You are predominantly a domestic window cleaner and it is now obvious that you have experienced no loss in March, April and May.

[Slacky]

What's the situation if your business hasn't been adversely affected by CV.  Do you still put a claim in anyway?

If your business hasn’t been adversely affected you don’t meet the criteria to qualify for the grant.

Exactly.....its plain wrong.......theres real people financially suffering out there....not the likes of us....

How much cash goes in your back pocket each year Daz?

[dazmond]

What's the situation if your business hasn't been adversely affected by CV.  Do you still put a claim in anyway?

If your business hasn’t been adversely affected you don’t meet the criteria to qualify for the grant.

Exactly.....its plain wrong.......theres real people financially suffering out there....not the likes of us....

Speak for yourself Dazmond. You immediately worked all through the lockdown and thrust that decision under the faces of everyone on this forum and encouraged us to do the same. You are predominantly a domestic window cleaner and it is now obvious that you have experienced no loss in March, April and May.

I'm on about window cleaners that haven't lost out financially......not you guys that have took a hit....

[tlwcs]

I’ve taken the grant.
Can prove April’s figures were down by 23% that’s adverse enough for me. This month so far is what it should be. If, in 3 months time a recession kicks in and affects my turn over I doubt there will be any help then.

[Spruce]

What's the situation if your business hasn't been adversely affected by CV.  Do you still put a claim in anyway?

You have to 'declare' that your business has been adversely affected by CV. They also state that they reserve the right to reclaim money granted that has been claimed fraudulently, over paid in error, etc.

If your tax return showed an increase in profits this tax year over what they worked out was the average over 3 years, then expect them to query it. The word "adversely" has strong connotations. But the word adversely is also open to interpretation and your interpretation could be very different from the government's interpretation.

In theory your business should be around 25% down on profits this tax year so far. If CV adversely affects your business in the next 3 months then your tax return regarding the business aspect of your return could show up to a 50% shortfall. Its easy for them to work it out as they know how much they paid you on the SES.

It’s not quite as cut and dried as that Spruce. There are many examples of how your business could have been adversely affected by covid19, without necessarily seeing a big reduction in profit.

They are providing support for those who have suffered financially due to covid19. If you have managed to carry on and maintain your profits by focusing on other aspects of your business then financially you haven't been adversely affected by Covid19.  The very reason you are in business is to make money. Your inability to earn money is the key factor for this grant.

I did say that your interpretation of the word adversely could well differ from the governments interpretation of the same word.
As per usual, the government hasn't clarified what they actually mean by the word adversely. It allows them to play different tunes on the same musical instrument. After all, all they needed to write was "has your business been adversely affected  financially by covid19" to make it clear.

In deeege's words "Had some time off self isolating? Had to stay at home whilst the Mrs works because no childcare available?" are reasons for your business being adversely affected by covid19. Lost a customer - no your business hasn't been adversely affected by loosing one customer unless its a large proportion of your work.

At the tail end of the day you have to answer you haven't claimed fraudulently. Fraud is most used in terms of finance and financial loss.



 

[zesty]

I applied this morning, all done ✅

Spruce, I was in two minds about it. But I had lost several commercial jobs (still have) due to the lockdown.

I have still made good money, yet my business has been adversely effected, so although I’ve made good money, I would have made ‘even more’ if Id have kept the commercial.

It’s a tricky one, but ultimately, if you have lost work temporarily due to the lockdown, then you qualify by the very wording they use... adversely.

[Rob.Hall]

Dont forget you will have to give an account of you being adversely affected on your tax return for end if year.
It does say that in the conditions of the grants.

[The Jester of Wibbly]

Dont forget you will have to give an account of you being adversely affected on your tax return for end if year.
It does say that in the conditions of the grants.

Sorry, that's rubbish. 

[james peters]

I had 6 weeks off..... I am back now .   I have lost a few residential.... I have lost a cricket club, rugby club, restaurant, factory offices.
however I don't know how many more I will lose yet.
the grant money went into my account this morning

[P @ F]

I eventually got into the site this morning and made my claim , don’t think I lost as much as was given but hey ho !
It wasn’t a million miles out so if they do want any back they can have it , the things it’s going to pay off will save me a wedge in interest charges which will more than balance out in the long run 

[P @ F]

And now I have to go spend 5 hours cleaning  a retirement complex 

[G Griffin]

They dropped the loss of trading profits bit in May because it would have been so difficult to prove. Possibly.
Being adversely affected is still difficult to quantify as is whether anyone will be checked or made to pay it back.
They are still going with "a risk based approach to compliance" which is unclear to most of us.
Basically, they are saying claim, if you can, if you believe that you've been adversely affected and we'll decide whether or not to look into it, at a later date.
But if you are "responsible"- to quote the Chancellor- I think most people will be ok.

[Rob.Hall]

Dont forget you will have to give an account of you being adversely affected on your tax return for end if year.
It does say that in the conditions of the grants.

Sorry, that's rubbish.

I could be wrong but I thought I saw this written in the small print of terms and conditions. ?

[G Griffin]

I eventually got into the site this morning and made my claim , don’t think I lost as much as was given but hey ho !
It wasn’t a million miles out so if they do want any back they can have it , the things it’s going to pay off will save me a wedge in interest charges which will more than balance out in the long run 

It doesn't matter how much you lost. You could have lost more than the grant but you'd still get the same.
As long as you've been adversely affected by covid, you'll be ok.
Whatever adversely affected means  .

[P @ F]

Well I haven’t   been able to park at a lot of places , does that count 

[Jay Le Huray]

done mine this morning, took 2 minutes and got awarded £2000

[P @ F]

Sponger 

[G Griffin]

Well I haven’t   been able to park at a lot of places , does that count 

Yes, but what I say doesn't count  .

[P @ F]

Who told you that Griff 

[trafficjamz]

"Financially" I haven't been hit, but that's because loads of my 'bad debt' customers have been at home and coughed up.  So payments are up, but sales are low due to a number of jobs on hold until the pandemic is over.

Maybe the wisest thing to do if you are unsure about the 'adversely affected' statement is to not spend the money if you can, put it away in a separate account. And if the government's idea of being 'adversely affected' is completely different to yours and ask for the money back, then at least you haven't put yourself in debt.