{"id":20082,"date":"2020-04-22T14:07:13","date_gmt":"2020-04-22T14:07:13","guid":{"rendered":"https:\/\/smh.group\/?p=20082"},"modified":"2023-02-15T13:51:49","modified_gmt":"2023-02-15T13:51:49","slug":"covid-19-main-provisions-for-individuals-22-april-2020","status":"publish","type":"post","link":"https:\/\/devstagesite.co.uk\/smhgroup\/covid-19-main-provisions-for-individuals-22-april-2020\/","title":{"rendered":"Covid-19 &#8211; Main provisions for individuals &#8211; 22 April 2020"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Mortgage holidays<\/strong> <\/h2>\n\n\n\n<p>For people who find themselves in financial difficulties\nbecause of coronavirus, mortgage lenders will offer at least a three-month\nmortgage holiday. This holiday extends to buy-to-let landlords. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>UPDATE<\/strong><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.fca.org.uk\/publications\/feedback-statements\/fs20-3-temporary-financial-relief-consumers-coronavirus-feedback-draft-guidance-rules\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Personal loans, credit cards and overdrafts (opens in a new tab)\">Personal loans, credit cards and overdrafts<\/a><\/span><\/strong><\/h2>\n\n\n\n<p>The FCA announced temporary measures, effective\nfrom 14 April, which expect firms providing consumer finance to:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Offer a temporary payment freeze on loans and credit cards for up to three\nmonths, for consumers negatively impacted by Covid-19.<\/li><li>Allow customers who are negatively impacted by Covid-19 and who already\nhave an arranged overdraft on their main personal current account, up to \u00a3500\ncharged at zero interest for three months.<\/li><li>Make sure that all overdraft customers are no worse off on price when\ncompared to the prices they were charged before the recent overdraft pricing\nchanges came into force.<\/li><li>Ensure consumers using any of these temporary payment freeze measures will\nnot have their credit file affected.<\/li><\/ul>\n\n\n\n<p>FCA consumer guidance is available <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.fca.org.uk\/consumers\/coronavirus-information-personal-loans-credit-cards-overdrafts\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"here (opens in a new tab)\">here<\/a><\/span><\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><a href=\"https:\/\/www.gov.uk\/guidance\/government-support-available-for-landlords-and-renters-reflecting-the-current-coronavirus-covid-19-outbreak\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Protection from eviction<\/a><\/strong><\/h2>\n\n\n\n<p>Private and social landlords will not be able to start proceedings\nto evict tenants for the period to 30 September 2020.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><a href=\"https:\/\/www.gov.uk\/statutory-sick-pay\">Statutory sick pay<\/a> (SSP)<\/strong> <\/h2>\n\n\n\n<p>SSP is currently paid at the rate of \u00a395.85 a week. It is\nnow available to employees from day one, instead of day four, for those who are\nsuffering from the virus or who have been advised to self-isolate. There has\nbeen no change in the minimum earnings threshold for SSP (\u00a3120 a week in\n2020\/21).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Individuals ineligible for SSP<\/strong> <\/h3>\n\n\n\n<p>Self-employed and gig economy workers generally do not qualify for SSP. Instead they may be entitled to <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.gov.uk\/employment-support-allowance\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Contributory Employment and Support Allowance (opens in a new tab)\">Contributory Employment and Support Allowance<\/a><\/span><\/strong>. <\/p>\n\n\n\n<p>Covid-19 sufferers and self-isolators will be able to claim the benefit from day one instead of day eight. The <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.understandinguniversalcredit.gov.uk\/new-to-universal-credit\/self-employment\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Minimum Income Floor (opens in a new tab)\">Minimum Income Floor<\/a><\/span><\/strong> in <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.understandinguniversalcredit.gov.uk\/new-to-universal-credit\/is-it-for-me\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Universal Credit (opens in a new tab)\">Universal Credit<\/a><\/span><\/strong> (UC) has been temporarily removed to ensure that time off work because of sickness is reflected in benefits.<\/p>\n\n\n\n<p>For 12 months from 6 April 2020, the standard allowance\nin Universal Credit (UC) and the basic element in Working Tax Credit (WTC) for\nwill be increased by the equivalent of about \u00a320 a week over and above annual\nuprating (which were to \u00a3323.22 per month for UC for age 25 and over and \u00a31,995\na year for WTC for 2020\/21). This effectively brings UC into line with the rate\nof SSP. The change applies to all new and existing UC claimants and to existing\nWTC claimants.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Housing benefit<\/strong><\/h2>\n\n\n\n<p>Housing benefit and the <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.understandinguniversalcredit.gov.uk\/new-to-universal-credit\/housing\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"housing element (opens in a new tab)\">housing element<\/a><\/span><\/strong> of UC will be increased so that the Local Housing Allowance will cover at least 30% of market rents.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Hardship Fund <\/strong><\/h2>\n\n\n\n<p>The Chancellor announced in the Budget a \u00a3500 million\nHardship Fund, which would be distributed to Local Authorities so that they\ncould support the vulnerable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>UPDATE<\/strong><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Motor finance and\nhigh cost credit<\/strong><\/h2>\n\n\n\n<p>On 17 April the FCA issued draft\nguidance on how companies providing motor finance and &#8216;high cost finance&#8217; (for\nexample, payday loans and pawnbroking) should treat customers. The main\nproposal is a three-month payment freeze, other than for high cost credit,\nwhich would be subject to a one month interest-free payment freeze. The FCA\nexpects to finalise proposals by Friday 24 April 2020, which would come into\nforce shortly afterwards.<\/p>\n\n\n\n<p>Government guidance for employees is <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.gov.uk\/government\/publications\/guidance-to-employers-and-businesses-about-covid-19\/covid-19-guidance-for-employees\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"here (opens in a new tab)\">here<\/a><\/span><\/strong>.<\/p>\n\n\n\n<p>Government guidance on claiming benefits is <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.understandinguniversalcredit.gov.uk\/coronavirus\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"here (opens in a new tab)\">here<\/a><\/span><\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Covid-19 &#8211; Main provisions for individuals updated on 22 April 2020<\/p>\n","protected":false},"author":4,"featured_media":20083,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[3],"tags":[494,498,535,534,532,34,533,536,500,528],"class_list":["post-20082","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-smh-accounting-business-advisory","tag-coronavirus","tag-covid19","tag-hardship-fund","tag-housing-benefit","tag-individuals","tag-loans","tag-mortgage-holidays","tag-motor-finance","tag-ssp","tag-statutory-sick-pay"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Covid-19 - Main provisions for individuals - 22 April 2020 - SMH Group<\/title>\n<meta name=\"description\" content=\"Covid-19 - Main provisions for individuals - 22 April 2020\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Covid-19 - Main provisions for individuals - 22 April 2020 - SMH Group\" \/>\n<meta property=\"og:description\" content=\"Covid-19 - Main provisions for individuals - 22 April 2020\" \/>\n<meta property=\"og:url\" content=\"https:\/\/devstagesite.co.uk\/smhgroup\/covid-19-main-provisions-for-individuals-22-april-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"SMH Group\" \/>\n<meta property=\"article:published_time\" content=\"2020-04-22T14:07:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-02-15T13:51:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/devstagesite.co.uk\/smhgroup\/wp-content\/uploads\/2020\/04\/Coronavirus-individuals-22-04-20.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Brendan Hall\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Brendan Hall\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/devstagesite.co.uk\/smhgroup\/covid-19-main-provisions-for-individuals-22-april-2020\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/devstagesite.co.uk\/smhgroup\/covid-19-main-provisions-for-individuals-22-april-2020\/\"},\"author\":{\"name\":\"Brendan Hall\",\"@id\":\"https:\/\/devstagesite.co.uk\/smhgroup\/#\/schema\/person\/637129b7464f960037f1b676f625570e\"},\"headline\":\"Covid-19 &#8211; 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