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Self Employed Income Support Scheme (SEISS)

There will be a further payout from the Self Employed Income Support Scheme in August. 

HM Revenue and Customs (HMRC) will contact people who are eligible for the grant.

If you weren’t eligible for the first payouts from the scheme, you won’t be eligible this time. 

If you were eligible for the scheme the first time but didn’t make a claim, you can still claim for the August payment.

You can check if you are eligible for the Self Employed Income Support Scheme on the HM Revenue and Customs (HMRC) website.

What does the scheme provide?

The scheme gives grants to self-employed people to cover 70% of their usual profits up to a maximum of £2,190 per month over June, July and August 2020. Grants do not have to be paid back. Grants will be taxable. 

You will have to provide evidence that your self-employed business has been affected by coronavirus from 14 July 2020.

See Gov.UK: Check if you can claim a grant through the Self-Employment Income Support Scheme

Beware of scammers

Some scammers pretend to call from HMRC. Be cautious about what information you give over the phone. Never give passwords, banking pin codes or log in details over the phone.

Claiming benefits

Claiming benefits will not stop you from being able to get help from the Self Employed Income Support Scheme or the amount you get from it.

Other support

There is other support you can claim as well as getting help through the Self Employed Income Support Scheme.

Self-employment: Frequently Asked Questions

What other support can I get?

Self-employed people cannot get Statutory Sick Pay.

You might be able to get help through the benefits system. Use our Benefits Calculator to check what you can claim. Benefits are based on the income you and any partner you live with have coming in at the moment, so make sure you enter your current income and not what you usually earn.

You might be able to access a government-backed loan. There won't be any fees or interest on the loan for the first 12 months.

You can find out more about government-backed loans on the Gov.UK website.

From 27 April, small businesses can apply for Bounce Back Loans. These are 100% government backed and are quick and simple to apply for. You can only use these loans for your business and not for yourself.

The government has said that self-employed people who were due to pay tax on account in July 2020 can push that payment back to January 2021. You will still have to pay the amount that is due but this gives you longer to save up to pay it.

You might be able to get a grant from a charity to help you out.

Use our Grants Search to find charities that might be able to help people like you.

How do these different types of help interact? Can I apply for all of them?

You can apply for help through all of these schemes.

Money you receive as a personal loan will be counted as capital when working out how much you can get in benefits. Use our Benefits Calculator to check how this would affect you. Money you receive as a loan to your business will be ignored when working out how much you can get in benefits.

Money you have set aside to pay tax or VAT will not be counted as capital when working out how much you can get in benefits. 

Money you receive through the Jobs Retention Scheme will be counted as income when you receive it and might affect your benefits claim.

Money from the Self Employed Income Support Scheme (SEISS) will affect your benefits when you receive it. If you're receiving Universal Credit, when you declare the SEISS grant as income to the Department for Work and Pensions (DWP) you can deduct business expenses you have had to pay in that assessment period. Use our Benefits Calculator to check how the SEISS grant will affect benefit payments.

I am worried about Council Tax. What can I do?

If you are struggling with Council Tax, use our Benefits Calculator to see if you are entitled to Council Tax Support/Reduction. If you are, contact your council to make a claim for it.

Your council may also offer a discretionary scheme to help with Council Tax. This might be able to help even if you are not entitled to Council Tax Support/Reduction or if your Council Tax Support/Reduction doesn’t cover all the Council Tax you have to pay. Some councils are offering payment holidays on Council Tax. Check your council's website to see what their rules are.

I am worried about bills. What other help can I get?

Mortgage

If you have a mortgage and are struggling to meet your payments, you can ask your lender for a mortgage holiday. This won’t affect your credit rating. However, other lenders might be able to see you have had a mortgage holiday. 

The mortgage holiday scheme was extended on 4 June 2020. People will be able to request mortgage holidays until 31 October 2020.

If your mortgage holiday is coming to an end, it is important to communicate with your mortgage lender. You can get another holiday of up to three months or other help such as cancelling interest. If your mortgage lender doesn't hear from you, they might assume you can afford to start making payments again.

Rent

If you are struggling with your rent, first check what help you can get through the benefits system.

You could also speak to your landlord and ask if they would be willing to let you pay rent late. The suspension on evictions is coming to an end in August. So if you are behind on your rent it is very important you get advice as soon as possible. 

Household bills

If you are struggling with household bills, speak to your utility providers and let them know why you’re struggling.

Lots of utility providers have schemes in place to help people who are struggling with money because of coronavirus.

Debts

If you have debts, get in touch with your creditors and ask them if you could suspend payment. Lots of lenders have special policies in place to help people who are affected by coronavirus.

Credit cards and personal loans

From 14 April 2020, you can ask for a three-month payment holiday on credit card debts and personal loans. This will not affect your credit rating. However, other lenders might be able to see that you took a payment holiday. When the payment holiday comes to an end, you can request a further one.

Interest-free overdrafts

From 14 April 2020, you can ask your bank for a £500 interest-free overdraft facility on your current account. The overdraft will be interest free for three months. If you have already had an overdraft for three months, you can ask for a further three month overdraft. If you are already overdrawn by less than £500, you won't be charged any fees. 

Car loans

From 24 April, you can ask for a three month payment holiday on car loans. If you come to the end of a payment holiday, you can ask for a further three months holiday.

Payday loans

From 24 April, you can ask for a one-month payment holiday on payday loans. At the end of that month, you should get in touch with your lender to see if they are willing to offer further support.

Pawned possessions

From 24 April, if you have pawned any of your possessions you can ask for a three month extension on repayments before the items you have pawned are sold.  If you come to the end of a payment holiday, you can ask for a further three months.

Rent-to-own

From 24 April, if you have any items on rent-to-own, you can ask for a three month payment holiday. If you come to the end of a payment holiday, you can ask for a further three months.

Get free specialist debt help

Payment holidays are only a temporary fix and won't help with debt problems in the long term. If you are worried about debt, you should get free, specialist debt help

Everyone knows this is a stressful, difficult time for a lot of people. There is a lot of support out there, but if you don’t ask for it you won’t get it.

Updated: 30 June 2020

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