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National insurance contributions and dividend tax rates will increase by 1.25 percentage points across the UK from April 2022, with the projected £12bn annual income to be ringfenced to pay for health and social care.

Prime Minister has confirmed that rates of national insurance are to be increased to pay for the impact of the coronavirus pandemic on the NHS and to address the long-standing funding gap for health and social care.

From 1 April 2022 

Employee 

There will be a temporary 1.25% increase in class 1 (employee)

Self Employed 

Class 4 (self-employed) national insurance contributions (NIC 1.25% increase in class 1 secondary NIC paid by employers (so 2.5% in total).

Employer 

The 1.25% increase will also apply to class 1A and class 1B NIC paid by employers.

Primary Threshold for Employed or Employees 

The increase will apply to employed (include deemed employees) and self-employed individuals and partners earning above the class 1 primary threshold / class 4 lower profits limit (currently £9,568 in 2021/22).

Employers will pay the additional 1.25% for employees earning above the class 1 secondary threshold (currently £8,840 in 2021/22). Existing reliefs and allowances from employer’s secondary class 1 NIC will apply to the levy including the £4,000 employment allowance

Health & Social Care Levy 

From April 2023, the increases will be legislated separately as a “health and social care levy” and NIC rates will return to 2021/22 levels. The levy will be hypothecated in law, meaning that the revenues will be ringfenced for health and social care. over state pension age in employment or self-employment, who are currently exempt from paying NIC.

The levy, including the temporary NIC increase in 2022, will be legislated for shortly.

Dividend Taxes 

1 April 2022, taking rates to: 

  • 8.75% for basic rate taxpayers (Current 7.5%) Under £50,000 Incomes
  • 33.75% for higher rate taxpayers(Current 32.5%) £50K + till £150K
  • 39.35% for additional rate taxpayers(Current 38.1%) £150K +
  • The £2,000 dividend allowance will remain.

The tax-raising measures and their impacts are outlined in the government’s plan for health and social care, which was published alongside the Prime Minister’s speech. It estimates that of the £12bn revenue expected to be raised each year, £11.4bn will come from the levy.

HM Treasury’s analysis of the impacts of the measures concludes that households with the highest 20% of incomes will contribute more than 40 times that of those with the lowest 20% of income, with more than one-third of the overall tax increases coming from the top 10% of households.

Meanwhile, individuals with assets of less than £20,000 will not make any contribution to care costs from savings or the value of their home (an increase from £14,000), and those with assets between £20,000 and £100,000 will be eligible for means-tested support.

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26/05/21  Update: Go get vaccinated – https://conta.cc/3oMWDO1

25/05/21  Update: Surge testing and increased vaccinations in Hounslow – https://conta.cc/34g7PsZ

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19/05/21  Update: Grants, Vaccinations & Webinars – https://conta.cc/3u1G5m8

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27/04/21  Update: help businesses bounce back – https://conta.cc/3gGV3LB

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23/03/21  Council updates & Job opportunity! – https://conta.cc/3rgefkV

19/03/21  Update – £69m available! – https://conta.cc/38TWBgj

18/03/21 Security: Cyber & Physical Webinar – https://conta.cc/3lqGYSS

17/03/21  Local grant updates – https://conta.cc/30RsC4j

15/03/21  Update – fomo: many webinars this week! – https://conta.cc/3tgGlha

11/03/21  Update – don’t miss the deadline for workplace testing! – https://conta.cc/3bCtC2B

9/03/21  Update – want to become more involved with the Bees? – https://conta.cc/3qwNcRQ

4/03/21  Update – Business Grants latest news & full Budget report – https://conta.cc/3c3CAVl

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26/02/21  Update: Exciting financial opportunities – https://conta.cc/3q0c04u

24/02/21  Update: 24th February – Roadmap for easing of lockdown – https://conta.cc/3dHpjnT

23/02/21  Update: 23rd February – https://conta.cc/37FyCRL

22/02/21  Update: 22nd February – https://conta.cc/3pJ2zX8

18/02/21  Update: 18th February – https://conta.cc/2ZqdkTA

15/02/21  Covid-19 Update: 15th February – https://conta.cc/3qig6WJ

12/02/21  Covid-19 Update: 12th February – https://conta.cc/3qhR7CO

10/02/21  Covid-19 Update & Forth coming webinars: 10th February – https://conta.cc/3jFm9SD

8/02/21  Covid-19 Update: 8th February – https://conta.cc/2MC2Q0H

4/02/21  Covid-19 Update: 4th February – Support Grants UPDATED – https://conta.cc/39NaiyD

1/02/21  Covid-19 Update: 1st February – https://conta.cc/2Mn65sA

28/01/21  Covid-19 Update: 28th January – https://conta.cc/3iTByOZ

26/01/21  Work/Life Update: 26th January – https://conta.cc/36hfatA

22/01/21  Covid Message – 22nd January – https://conta.cc/3o7pGKd

21/01/21  Work/Life Update: 21st January – https://conta.cc/3iwpHWZ

18/01/21  Work/Life Update: 18th January – https://conta.cc/2Kr0v7D

15/01/21  Work/Life Update: 15th January – https://conta.cc/3nKxzVx

13/01/21  Work/Life Update: 13th January – https://conta.cc/2LlrQss

12/01/21  Work/Life Update: 12th January – Webinars coming up to help you! – https://conta.cc/3oCFmpZ

9/01/21  Work/Life Update: 9th January – https://conta.cc/3qewiIj

7/01/21  Work/Life Update: 7th January – https://conta.cc/3bhw6DH

6/01/21  Work/Life Update: 6th January – https://conta.cc/3b9lIhk

5/01/21  Welcome to 2021 and Lockdown – 5th January – https://conta.cc/35cyoQK

21/12/20  Work/Life update: 21st December – https://conta.cc/38jEYFO

15/12/20  Work/Life update: 15th December – https://conta.cc/3r0RzpI

14/12/20  Work/Life update: 14th December – https://conta.cc/2Kt3coY

9/12/20  Work/Life update: 9th December – https://conta.cc/3n1XPve

8/12/20  Work/Life update: 8th December – https://conta.cc/2Is5uE7

3/12/20  Work/Life update: 3rd December – https://conta.cc/3lAQnWv

27/11/20  Work/Life update: 27th November – https://conta.cc/2Jfmuxx

24/11/20  Work/Life update: 24th November – https://conta.cc/36344cd

18/11/20  Work/Life update: 18th November – Hounslow Business Support Grant – https://conta.cc/35JMYQt

17/11/20  Work/Life update: 17th November – https://conta.cc/32RN8Dg

13/11/20  Work/Life update: 13th November – https://conta.cc/35xB0tb

11/11/20  Work/Life update: 11th November – https://conta.cc/3lif8ah

9/11/20  Work/Life update: 9th November – https://conta.cc/32mh2PR

5/11/20  Work/Life update: 5th November – https://conta.cc/2Ib9kkf

3/11/20  Work/Life update: 3rd November – https://conta.cc/34UjZJ8

2/11/20  Work/Life update: 2nd November – National Restrictions in England – https://conta.cc/2TIe43A

29/10/20  Work/Life update: 29th October – https://conta.cc/3ozlswt

27/10/20  Work/Life update: 27th October – https://conta.cc/34vMr3K

26/10/20  Work/Life update: 26th October – https://conta.cc/31KA42a

23/10/20  Work/Life update: 23rd October – https://conta.cc/34lsBYU

21/10/20  Work/Life update: 21st October – https://conta.cc/35iUQqG

20/10/20  Work/Life update: 20th October – https://conta.cc/2HiQdEz

16/10/20  Work/Life update: 16th October – London moved to High Alert – https://conta.cc/2IFVjeZ

15/10/20  Work/Life update: 15th October – New local Covid Alert Levels – https://conta.cc/3j0WLoz

7/10/02  Work/Life update: 7th October – https://conta.cc/34ATdE7

5/10/20  Work/Life update: 5th October – https://conta.cc/2SsAN2T

1/10/20  Work/Life update: 1st October – https://conta.cc/36nfXKD

29/09/20  Work/Life update: 29th September – New measures and NHS App – https://conta.cc/3n0Wyoq

25/09/20  Work/Life update: 25th September – New regulations – https://conta.cc/3hY4F1p

23/09/20  Work/Life update: 23rd September – https://conta.cc/3iXaZaG

18/09/20  Work/Life update: 18th September – https://conta.cc/2RASlcG

17/09/20  Work/Life update: 17th September – https://conta.cc/35GGPVz

15/09/20  Work/Life update: 15th September with a spotlight on Hammersmith & Fulham (please scroll down) – https://conta.cc/32ucuHJ

9/09/20  Work/Life update: 9th September – https://conta.cc/2R8gtDt

7/09/20  Kickstart scheme via Hounslow Chamber of Commerce – Work/Life update: 7th September – https://conta.cc/3bBHSGY

2/09/20  Work/Life update: 2nd September – https://conta.cc/3i5jjFb

28/08/20  Work/Life update: 28th August – https://conta.cc/2QwOpsR

26/08/20  Work/Life update: 26th August – https://conta.cc/2QpehXw

25/08/20  Covid-19 update: 25th August – https://conta.cc/2YzKuQF

19/08/20  Covid-19 update: 19th August – https://conta.cc/2Eenz6a

18/08/20  Covid-19 update: 18th August – Coronavirus cases rising in Hounslow – https://conta.cc/315MUIa

13/08/20  Covid-19 update: 13th August – https://conta.cc/3gUweZS

11/08/20  Covid-19 update: 11th August – Eat Out to Help Out – https://conta.cc/3aexPqQ

6/08/20  Covid-19 update: 6th August – https://conta.cc/2PrKm0F

4/08/20  Covid-19 update: 4th August – https://conta.cc/39VvFfz

29/07/20  Covid-19 update: 29th July – https://conta.cc/310H6yn

27/07/20  Covid-19 update: 27th July – https://conta.cc/2X18hYL

24/07/20  Covid-19 update: 24th July – https://conta.cc/30PxAym

22/07/20  Covid-19 update: 22nd July – https://conta.cc/2OIvx9s

21/07/20  Covid-19 update: 21st July – https://conta.cc/2ZNyqfG

16/07/20  Covid-19 update: 16th July – https://conta.cc/3fLvUfa

13/07/20  Covid-19 update: 13th July – https://conta.cc/32cfbOl

10/07/20  Covid-19 update: 10th July – https://conta.cc/38JPSV3

8/07/20  Covid-19 update: 8th July – Summer Economic Update – https://conta.cc/3f9poyE

6/07/20  Covid-19 update: 6th July – Arts & Culture £1.57bn package announsed – https://conta.cc/3gAXVq5

3/06/20  Covid-19 update: 3rd July – https://conta.cc/2YXogJ3

2/06/20  Covid-19 update: 2nd July – https://conta.cc/3eV23AO

30/06/20  Covid-19 update: 30th June – https://conta.cc/31xiTBQ

29/06/20  Covid-19 update: 29th June – The Discretionary Business Support Grant – https://conta.cc/3eJBUoj

26/06/20  Covid-19 update: 26th June – https://conta.cc/2Z9WqYF

24/06/22  Covid-19 update: 24th June – https://conta.cc/2BxlcKn

23/06/20  Covid-19 update: 23rd June – Prime Minister announces easing of lockdown restrictions – https://conta.cc/37V9B3V

22/06/20  Covid-19 update: 22nd June – https://conta.cc/3fLNmjp

18/06/20  Covid-19 update: 18th June – https://conta.cc/2YaIRZL

17/06/20  Covid-19 update: 17th June – https://conta.cc/30SLJfM

15/06/20  Covid-19 update: 15th June – https://conta.cc/37uqiTo

11/06/20  Covid-19 update: 11th June – https://conta.cc/3dVs56l

10/06/20  Covid-19 update: 10th June – https://conta.cc/2ASllrt

9/06/20  Covid-19 update: 9th June – https://conta.cc/2Ur6QS2

8/06/20  Covid-19 update: 8th June – Safety when going back to work – https://conta.cc/3fe4UEP

4/06/20  Covid-19 update: 4th June – https://conta.cc/2UbJsYV

3/06/20  Covid-19 update: 3rd June – https://conta.cc/3eLWWCk

2/06/20  Covid-19 update: 2nd June – https://conta.cc/36UelpZ

1/06/20  Covid-19 update: 1st June – News on the Discretionary Business Support Grant – https://conta.cc/2XJ4LC0

29/05/20  Covid-19 update: 29th May – https://conta.cc/3gy1sWX

28/05/20  Covid-19 update: 28th May – Test & Trace – https://conta.cc/2ZKfGOh

27/05/20  Covid-19 update: 27th May – High Streets Reopening – https://conta.cc/2TITO28

22/05/20  Covid-19 update: 22nd May – https://conta.cc/2ATAOaD

21/05/20  Covid-19 update: 21st May – Future Fund launch – https://conta.cc/2Xk69dV

20/05/20  Covid-19 update: 20th May – https://conta.cc/2yjybOv

19/05/20  Covid-19 update: 19th May – https://conta.cc/3e0yMUl

18/05/20  Covid-19 update: 18th May – Public transport advice et al – https://conta.cc/2LBlnpt

15/05/20  Covid-19 update: 15th May – mish mash of updates – https://conta.cc/2LvAQYj

14/05/20 Covid-19 update: 14th May – housing market unlock/ TfL information and masses more besides – https://conta.cc/3dIbKl2

13/05/20  Covid-19 update: 13th May – Easing & furloughing and much more besides – https://conta.cc/2YXW7li

12/05/20  Covid-19 update: 12th May – Recovery Strategy and much more besides – https://conta.cc/2YVHH5d

11/05/20  Covid-19 update – 11th May – Start of lifting restrictions: PM’s announcement from 10th May – https://conta.cc/3dAUmi5

7/05/20  Covid-19 update – 7th May – https://conta.cc/3ceN7vT

6/06/20  Covid-19 update – 6th May – https://conta.cc/2xDbx35

5/05/20  Covid-19 update – 5th May or Star Wars plus1 – Bounce Back loans – https://conta.cc/3c7cYWE

4/05/20  Covid-19 update – 4th May – https://conta.cc/3fju8lW

1/05/20  Covid-19 update – 1st May – https://conta.cc/2Sr3xcF

30/04/20  Covid-19 update – 30th April – https://conta.cc/3bU9zu0

29/04/20  Covid-19 update – 29th April – https://conta.cc/2YfHVnt

28/04/20  Covid-19 update – 28th April – The Coronavirus Bounce Back Loan – https://conta.cc/2KIxP6G

27/04/20  Covid-19 update – 27th April – https://conta.cc/2YbLLhg

24/04/20  Covid-19 update – 24th April – Coronavirus tests are now available to essential workers – https://conta.cc/3eOuUXO

23/04/20  Covid-19 update – 23rd April – https://conta.cc/3cFYKf5

22/04/20  Covid-19 update – 22nd April – Coronavirus business support finder tool – https://conta.cc/2wYTFiZ

21/04/20  Covid-19 update – 21st April – https://conta.cc/3eGnsOg

20/04/20  Covid-19 update – 20th April – Coronavirus Job Retention Scheme – https://conta.cc/3eLqvF8

17/04/20  Covid-19 update – 17th April – https://conta.cc/2VhyfqH

16/04/20  Covid-19 update – 16th April – furloughed employees – https://conta.cc/2XFuU69

15/04/20  Covid-19 update – 15th April – https://conta.cc/2Vcrwy9

14/04/20  Covid-19 update – 14th April – https://conta.cc/3cip0w1

9/04/20  Covid-19 update – 9th April – https://conta.cc/2wuuKUc

8/04/20  Covid-19 update – 8th April – https://conta.cc/2JQEH1i

7/04/20  Covid-19 update – 7th April – https://conta.cc/39Tw5Bw

6/04/20  Covid-19 update – 6th April – COVID-19 Business Loans scheme revamped – https://conta.cc/3aNEh7v

3/04/20  Covid-19 update – 3rd April- How to Claim Your Grant Payment – https://conta.cc/34ered6

2/04/20  Covid-19 update – 2nd April – https://conta.cc/2UBbVYJ

1/04/20  Covid-19 update – 1st April – https://conta.cc/39AcG8L

31/03/20  Covid-19 and our wellbeing/mental health – https://conta.cc/3aysUjU

31/03/20  COVID-19 update – 31st March – https://conta.cc/3asjjep

30/03/20  COVID-19 update – 30th March – https://conta.cc/33TbjAK

27/03/20  Coronavirus update – 27th March – more details – https://conta.cc/2UnYift

27/03/20  Coronavirus update – 27th March – Self employment package – https://conta.cc/2xoyHK9

26/03/20  Coronavirus – information from Hounslow Council – 26th March – https://conta.cc/2UAF0SV

26/03/20  Coronavirus update – 26th March – https://conta.cc/3bto9Ii

25/03/20  ShopAppy – https://conta.cc/33J5pSs

25/03/20  Coronavirus update – 25th March – https://conta.cc/2QNfglc

24/03/20  Financial advice and support for local business – 24th March – https://conta.cc/2vL6flc

24/03/20  Security advice from Safer Business Hounslow/Hounslow Chamber of Commerce – https://conta.cc/2xlH7lD

23/03/20  Coronovirus – Job Retention Scheme details – https://conta.cc/33H0jXa

23/03/20  Coronovirus update: 23rd March – https://conta.cc/3ai1Ipq

22/03/20  URGENT message for Hounslow’s Businesses – https://conta.cc/2Ur9Vky

20/03/20  Hounslow Chamber Task Force to help business during coronavirus pandemic – https://conta.cc/2U7jyWH

20/03/20  Coronavirus – More things that might help – https://conta.cc/2xXcKCj

20/03/20  Coronavirus – Things that might help – https://conta.cc/2J1KaSl

19/03/20  Coronavirus related scams – Stay safe – https://conta.cc/3a0OeOT

18/03/20  Government assistance for business – https://conta.cc/2ITlf3z

18/03/20  Rescue Remedies? – https://conta.cc/39W5W5U

17/03/20  Lift your spirits? – https://conta.cc/33mXzxU

Welcome to Issue 2 of the Ajar newsletter!
We are pleased to issue our second quarterly newsletter to let you know what we have been up to over the past few months. We had some great feedback from our first newsletter and look forward to continuing sharing good news stories and partner updates each quarter.

As the restrictions have continued to ease over the past few months, we’ve been very busy and enjoying getting out and about to meet customers, partners and new contacts, as well as squeezing in a brand new website and another online event. Read more about Q2 at Ajar…

Birthdays, cyber security & clouds!
🎈Since out latest newsletter we turned 16 years old! A milestone for an SME like ours! For our birthday we launched our new website Take a look at our latest case studies and updates on our integrated solutions.
✔Our IT Technical Manager Bilal Can Aslan wrote an article on Cyber Security and the impact of the pandemic for the Stega partner newsletter. Contact us for a copy.
☁Our Head of Public Sector Ollie Morphew hosted a recent Cloud First Strategy webinar with our partners at Eagle Eye Networks looking at the move to cloud based technologies, demonstrating some recent success stories and showcasing our G-Cloud 12 solutions. Contact us to hear more and receive a copy of the recording.


Customer Area
😀Are you an existing customer who wants to share your Ajar experience or give us some feedback? We’d love to hear from you.
😀Are we a new contact for you? Want to hear more about us and build a new relationship? We’d be very happy to meet you for an introduction so contact us by return email!
😀Have you revisited your digital transformation roadmap this year? Why not talk to us about your strategy plan and see if there is anything we can support you with?

Social Value & Environmental News
The Environmental, Sustainability & Social Value team have continued on working on the roadmap initiatives for 2021:
🍏We have welcomed 3 students to our Brentford office from Cranford Community College for their first industry work placement as part of the digital T-Levels course. During their first week they have been working across departments to get exposure to all areas of the business, and get real life experience of what it takes to deliver digital transformation projects. If any of our partners would like to support the students by providing product demos during the Summer or their later Winter work placements, please contact tara.mclaughlin@ajartechnology.com
We welcome your support in ensuring their journey into digital is interesting and meaningful.
🌲The roof top garden seen here at the Ajar London HQ is blooming with the team successfully growing tomatoes, parsley, oregano, rosemary, sage, thyme, rocket, chillies and mint.

Media
Interested in keeping up to date on our latest news? Follow us on LinkedIn for more regular updates If you have missed any of our online events and want to receive the recordings contact tara.mclaughlin@ajartechnology.com

Partners Area
In June our AV Technical Manager Ryan Le Roux, and our Bid Manager Tara McLaughlin visited our Brentford neighbours at Unilumin for the open house event. It was a great opportunity to see their latest technology and meet the team.

Are you a vendor partner? Want to get involved in our marketing strategies? Contact us by return email to hear about our latest initiatives.

A Director’s Loan Account (DLA) is “Money taken from your company’s accounts that cannot be classed as salary, dividends or legitimate expenses”. In many cases, Directors are unaware that even owe money to the company.

Until the money is repaid you/your company must pay:
• Corporation tax (32.5%)
• National Insurance (13.8%)
• Interest on the loan (2.55%)
• Income tax

Whilst a DLA is not illegal, if it is not paid back in time or your company enters insolvency, you could be liable for the value outstanding, including tax and interest. A Director’s loan must be repaid within nine months and one day of the company’s year-end, or you will face a heavy tax penalty. Any unpaid balance at that time will be subject to a 32.5 per cent corporation tax charge (known as S455 tax).

Director’s Loan

Here is a short summary of things to remember if you are considering borrowing money from your company or lending to it.

  • Take out director’s loans only when absolutely necessary (i.e. explore all other options first)
  • Repay your director’s loan within nine months and one day of the company year-end if possible
  • Aim to borrow less than £10,000
  • If you borrow £10,000 or more, you must report it on your self-assessment tax return and the company must treat it as a benefit in kind
  • Wait at least 30 days between taking out different director’s loans
  • If you lend to your company, ensure that both you and the company use the correct tax treatment
  • Do not allow your DLA to be overdrawn for extended periods
  • Be certain that your company has made a profit before declaring dividend

Get a PCR test at a mobile or local test site near you!

It’s important that you get a PCR test as soon as you can to identify any new variants of concern and keep the infection rate under control, even if you’ve already had a vaccine.

Please get a PCR test as soon as possible on Tuesday 22 June at the following locations:  

Mobile PCR Testing Units: 

  • Beaversfield Park, Hounslow (TW4 7JF) – Open 9:00am-3:00pm
  • Church of the Good Shepherd(TW4 6HJ) – Open 10:00am-6:00pm
  • Tesco Hayes, Bulls Bridge (UB2 5LN) – Open 10:00am-6:00pm
  • Bell Road, Hounslow (TW3 3NX) – Open 9:00am-3:00pm*   *You can drive to this site and remain in your car as you receive a test.
  • Sainsburys Chiswick(W4 5UT) – Open 9:00am-5:00pm 
  • Holy Trinity Church, Hounslow High Street (TW3 1HG) – Open 9:00am-5:00pm

 

Local PCR Testing Sites: 

  • Brabazon Road Sports Court, Hounslow (TW5 9LR) – Open 8:00am-8:00pm
  • Padstow Walk car park, Feltham (TW14 9XU) – Open 8.00am-8.00pm
  • Stamford Brook car park, Chiswick (W4 1NH) – Open 8.00am-8.00pm (Please book an appointment here: www.gov.uk/get-coronavirus-testWhen booking, select “do not have symptoms” and then “I was asked to take a test by the Local Authority.” Please also walk to this site if you can, as there is no parking on site and parking is very limited nearby).
  • Hounslow House– 7 Bath Road, Hounslow (TW3 3EB) – Open 8.00am-4.00pm
  • Heston Library– New Heston Road, Hounslow TW5 0LW – Open 6.30am-7.30pm Mon-Fri, or 8.00am-4.00pm Sat/Sun
  • Isleworth Library– Twickenham Road, Isleworth TW7 7EU – Open 8.00am-4.00pm
  • Bedfont Library– Staines Road, Feltham TW14 8DB – Open 8.00am-4.00pm

 

Or book an appointment at a regional PCR test site via www.gov.uk/get-coronavirus-test

  • Twickenham Stadium (TW2 7BA) entrance at the rear via Whitton Dene – Open 8.00am-8.00pm*
  • Heathrow Airport Car Park E2, Eastern Perimeter Road (TW6 2SQ) – Open 8.00am- 5.00pm*

*When booking, select “do not have symptoms” and then “I was asked to take a test by the Local Authority.” Drive through site only.

Get PCR tested

 

Aged 18+? It’s your turn to get the vaccine! Find out how

If you are aged 18 or over, are clinically vulnerable, a frontline worker or a carer, you can now book your COVID-19 vaccination through the NHS website even if you haven’t yet received a letter. Appointments are available at sites across the Borough and also Ealing, Wembley and Hammersmith.

We are aware of other scam messages circulating – please ignore them. The NHS will never ask you for money or your bank details for your vaccination – it is free.

COVID-19 vaccines are being offered to:

  • people aged 18 and over
  • people who will turn 18 before 1 July 2021
  • people at high risk from COVID-19 (clinically extremely vulnerable)
  • people with a condition that puts them at higher risk (clinically vulnerable)
  • people with a learning disability
  • people who live or work in care homes
  • health and social care workers
  • people who are a main carer for someone at high risk from COVID-19

You’ll be contacted by the NHS when you’re eligible.

You do not need to wait to be contacted if you’re in a group listed above. You may be able to book your COVID-19 vaccination appointments online now.

If you did not book when you were contacted, you’re still eligible and can book your appointments anytime.

Book now

Bounce Back Loans – When Could Directors be Made Liable?

Since they were introduced in May of last year (2020), more than one million Bounce Back Loans have been approved, with more than £30bn of funding landing in the accounts of the UK’s small businesses. However, for some businesses, even these attractive loans will not be enough to save them. That’s why it’s so important that you understand the potential implications if you default on the loan and your business enters liquidation.

What is the Bounce Back Loan Scheme?

The Bounce Back Loan Scheme (BBLS) is a loan with very favourable terms that was introduced by the UK government to give small businesses a quick source of affordable funds. Under the BBLS, small businesses can access 25% of turnover up to a maximum of £50,000 to help them ride out the Covid storm.

No interest is charged for the first 12 months and importantly, the loan is 100% government backed. That means there’s no need for assets to be provided as security or personal guarantees to be given by company directors.

What Happens if you Default on a Bounce Back Loan?

Government has advised lenders to follow their usual protocols for chasing and enforcing loan defaults. This will mean threatening letters, court action and potentially baliffs if you don’t pay, within what timeframe remaining unclear at this point. The lenders have to chase borrowers for unpaid loans through the courts.

The key point here is that while simply not paying back the loan is unlikely to yield decisive and immediate action from which lending institution you used, it will happen eventually.

What Happens if you Don’t pay Back a Bounce Back Loan?

If you cannot pay back the Bounce Back Loan, your
company has likely reached a state of insolvency, one of the definitions of which is an inability to pay bills when due.

The state of insolvency puts directors at risk unless you understand what it means and how it changes your responsibilities. This means you cannot pay anyone (employees, yourself, any creditor etc) without risk of showing preference.

What Happens to a Bounce Back Loan in Liquidation?

If your company has been hit hard by the outbreak and cannot afford to repay its debts, you will need to decide on the best course of action. If the business cannot be rescued, you will be left with little choice but to close the company down. A creditors’ voluntary liquidation is the process of closing down a company with debts voluntarily. A licensed insolvency practitioner must be appointed to sell the business’s assets, repay the creditors in a prescribed order and close the company down.

Can you be Made Personally Liable for Bounce Back Loans during a Company Liquidation?

So far then, the situation seems clear cut. If you cannot repay a Bounce Back Loan, whether the company is liquidated or otherwise, then you will not be personally liable for its repayment.

However, there are two scenarios when personal liability issues may arise against Directors:

1. When the funds are not used for the benefit of the company?
If the Directors are taking advantage of the scheme by using the funds to buy personal assets, invest in property and pay off personal loans.

2. When you pay certain creditors ahead of others? 
An example of a preferential payment could be a loan that’s repaid to a    connected party of the company such as a board member, relative or friend, while other unsecured creditors such as HMRC go unpaid.

 

PLEASE SHARE THIS COMMUNICATION

When forwarding please respect the integrity of CSSC messages and do not alter the content or formatting of the authoritative message.

Industry Sector Leaders,

COMMS – Greater London Authority’s (GLA) Launch of Cool Spaces Phase 2 – Outdoors – 1st June 2021 and Indoors 21st June 2021 to 15th September 2021, subject to the Government’s Roadmap out of COVID-19 Lockdown Measures

 

Following the GLA’s invitation to register indoor and outdoor cool spaces for opening this summer, the GLA would like firstly to thank those who have registered spaces by completing the invitation as part of phase 2. This is very much appreciated.

Phase 2 will run from 1st June 2021, for outdoor cool spaces and 21st June 2021 for indoor cool spaces, until 15 September 2021, the period when Public Health England and the NHS Heatwave Plan is in operation.

 

Secondly, we are pleased to let you know that, despite the significant pressures that boroughs, community groups, cultural venues and faith based communities are facing due to the impacts of Covid-19, the GLA received a positive response  with a total of around 300 indoor and outdoor sites registered to date.

 

The GLA has now reviewed the cool spaces data sent by the boroughs, community groups, cultural venues and faith-based communities alongside data and mapping that the GLA holds. This ensures that the identified spaces fit into one of the three tiers that can apply to indoor and outdoor spaces: –

 

  • Tier 1 has the greatest number of minimum amenities that Londoners can expect from a cool space
  • Tier 2 has the second greatest number of minimum amenities
  • Tier 3 includes outdoor green and blue spaces which, although not providing the minimum amenities for tiers 1 and 2, provide suitable conditions for the public to access shade from heat.

 

The tiered approach to classifying cool spaces is meant to provide Londoners with a better understanding of what can be expected from spaces and how certain spaces can better fit their needs.

These cool spaces will be available to the public through an online map, which can be accessed on the GLA website. The map has a mobile function which allows members of the public to find suitable cools spaces near them.

The cool space sites are targeted at Londoners who would like to to/need to access outdoor, green shaded spaces and indoor cool spaces during the day to provide respite from the heat. This should help Londoners to better prepare for, respond to and recover from hotter summers ahead.

The cool spaces initiative isn’t targeted at ‘vulnerable’ and/or ‘at risk’ groups. Public Health England’s Heat Health Watch communications sets out the advice for these groups and is disseminated to boroughs. Also, the use of public spaces should follow current guidance on Covid-19 measures for indoors and outdoors.

 

The GLA would be most grateful if you could please assist once again by disseminating this communication. The Cool Spaces phase 2 map can be found on the GLA’s website, here: https://www.london.gov.uk/what-we-do/environment/climate-change/climate-adaptation/cool-spaces

 

If you have any queries, please do not hesitate to contact us at: fireandresilience@london.gov.uk  

 

The GLA is open to receiving further registrations of indoor and outdoor cool spaces. Should you be aware of other contacts / networks which may be able to register cool spaces, please do forward on this email and invite them to register here.  To submit multiple outdoor spaces please contact fireandresilience@london.gov.uk  

 

Annette Figueiredo- Co-Project Lead (GLA’s Environment Team)

Jose Reis- Co- Project Lead (GLA’s Resilience Team)

On behalf of the GLA’s Cool Spaces Project Steering Group

Greater London Authority, City Hall, The Queen’s Walk, London SE1 2AA

london.gov.uk

 

For recent articles go to:
Approval for latest stage of the depot transformation project
Former Northamptonshire prison hospital to be turned into ‘executive-style’ accommodation for businesses

 

There is often a lot of fizzle and rather less planning when creating a low carbon scheme. The danger is there will be minimal environmental gain and no profit if the low carbon strategy is not smart enough.

The knowledge and technology for low energy, zero carbon, carbon negative and energy positive buildings have been available for 20years. With increasing legislation, funders now require it. But how do you make your buildings work rather than do the minimum today and be out of date tomorrow? How do you avoid costly errors? With examples of low energy retrofit with insulation on the inside, new build and how this is being scaled for mixed use regeneration of the grade 2*, 20acre Royal Ordnance Depot.

Book now!

Presenters
Michael Chittenden, Owner Royal Ordnance Depot.
Paul Vick, FRSA, Paul Vick architects.

For more events in June with LFA:

Paul Vick architects brings you 100% planning permission record with new builds and listed buildings, giving you confidence your vision will succeed.

Please stay connected and let us know how we can help you.

 

our first live conference since March 2020!

Book Here

Holiday Inn London – Brentford Lock

Friday 23rd July 2:00 pm – 6:00 pm & 6:30 pm – 8:00 pm

In collaboration with Hounslow Council, this two-part event is to mark the many developments across Hounslow borough and to start our recovery.

Presentations (2:00 pm – 6:00 pm)

The afternoon starts with presentations in two rooms concurrently from major developers and stakeholders in the borough outlining their vision, including Peter Matthew, Executive Director of Housing, Planning & Communities, Hounslow Council (Click here for more details).

New speakers announced:

 

There will also be presentations from the following companies, who will also be taking exhibition/stand space:

 

Entrance is free of charge for pre-registered companies/attendees.

To pre-register, please book below.

Book Here

The two parts of the event are separate, but you are able to attend both if you would like. Naturally, there is a cost involved for the drinks.

Drinks Reception (6:30 pm – 8:00 pm)

Post presentation drinks with keynote speakers:

  • Justin Urquhart Stewart: Regionally
  • Cllr Steve Curran: Leader of Hounslow Council
  • Niall Bolger: Chief Executive of London Borough of Hounslow

Ticket price is £15 plus VAT and booking fee for members and £30 plus VAT and booking fee for non members per place.

Book Here

We are happy to announce that Justin Urquhart Stewart, from Regionally, famous for appearing on television wearing red braces, will be with us for at the drinks reception at our Regeneration & Recovery Conference.

Justin Urquhart Stewart, the co-founder of 7IM ensured the principle of doing the right thing was always just as important today as it was in the outset. Currently, Justin acts as Chairman to Regionally, a new investment service he co-founded, that redirects investment from London to the UK regions, specifically for scale-up SME’s and global private, non-retail investors. As an enthusiast of financial education and service, he is the champion of providing clients the very best, clearly expressed.

 

Regionally is an innovative new investment platform designed only for professional investors, HNW individuals, and institutions and working only with established SME companies based in the UK regions, looking for between £500,000 and £15,000,000+.

 

Regionally’s platform is centred around key due diligence and efficient reports produced by our Regional Corporate Advisors who ensure that our professional investors can confidently invest. It is a platform that brings together like-minded organisations to collaborate in a private, personalised and thriving space.