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Going to work

You should work from home unless it is impossible for you to do so.

Sometimes this will not be possible, as not everyone can work from home. Certain jobs require people to travel to their place of work – for instance if you operate machinery, work in construction or manufacturing, or are delivering front line services.

See the full guidance on going to work.

Staying at home

If you have symptoms of coronavirus infection (COVID-19), however mild, stay at home and do not leave your house for 7 days from when your symptoms started.

If you live with others and you are the first in the household to have symptoms of coronavirus, then you must stay at home for 7 days, but all other household members who remain well must stay at home and not leave the house for 14 days. The 14-day period starts from the day when the first person in the house became ill.

See the stay at home guidance for more information.

 

BBCA ADVICE LINE

If you require any help or advice, please call or message us, we are here to help:

Salim Chowdhury, President – 07946658611
Tofozzul Miah, General Secretary – 07863129414
Motin Miah, Treasurer – 07956302139

 

MEASURES ANNOUNCED IN THE BUDGET AND ON 17TH MARCH

Statutory Sick Pay from day 1 for 2 weeks if having to self-isolate due to having symptoms or following government guidance where another member of the household has symptoms, there is no need for a doctors certificate or the employer to verify illness. An isolation note (https://111.nhs.uk/isolation-note) can be used instead of the normal “fit note” . Employers will be reimbursed in full; the Government are working out how to do this. SSP is paid at the rate of £94.25 per week. This will apply retrospectively from 13th March.

£10,000 Grant 

To all businesses who are exempt from business rates or partial business rate (i.e. you have business premises but have notified your Local Authority that you are exempt or fall under the small business rates relief scheme). Grants will be given through local authorities who will write to those eligible, there is no need to claim.

Find your local authority: https://www.gov.uk/find-local-council

£25,000 Grant 

As above, but for retail, hospitality and leisure businesses 

operating from premises with rateable value between £15,000 and £51,000. Contact your local Authority from 23rd March. Some Local Authority are fully up to speed and know what they are doing, and others are stilling getting to grips with it. Please show patience and work with your local authority, showing your frustration isn’t going to speed anything up.

business rates calculator: https://www.gov.uk/calculate-your-business-rates

Coronavirus Business Interruption Loan Scheme for small and medium businesses 

Most banks will be able to offer this – the loans are 80% guaranteed by government and so the lending criteria should be more relaxed. Interest free for 12 months. Application process should be simpler than normal loans. Your bank should be able to assist from 23rd March. Up to £5m available.

British Business Bank website:

https://www.british-business-bank.co.uk/ourpartners/coronavirus-business-interruption-loan-scheme-cbils/

Self-Assessment Tax 2nd Advance instalment due by 31 July 2020 can be deferred until March 2021.  You don’t have to do anything. HMRC’s dedicated helpline: 0800 0159 559.

Outstanding  previous tax deferral

Call HMRC’s dedicated helpline: 0800 0159 559 and explain your hardship.

VAT

Vat payable payable from now until 30 June 2020 can be deferred until 31 March 2021.  Any VAT due after June 2020, will need to be paid as normal unless new measures are announced.  However, you must submit your VAT returns on time.

Mortgage holiday of up to 3 months for people affected. You would need to contact your mortgage lender for the terms of this, some are lengthening the period of the mortgage and others are increasing the payments for the remaining term.

Business rate relief holiday 

Businesses that received the retail discount in the 2019 to 2020 tax year will be rebilled by their local authority as soon as possible, you do not need to contact anyone. Please don’t flood the local office with call regarding this, as it hinders rather than helps.

MEASURES ANNOUNCED ON 20TH MARCH and After 

The Coronavirus Job Retention Scheme – All business can be able to access this support to continue to pay part of their employee’s salary, for those that would otherwise be laid off. Employees would need to be notified that they are designated as furloughed (granted leave of absence) workers, the employer then needs to submit information (details not yet released) through a new online portal. HMRC will then reimburse 80% of those worker’s wage costs up to £2500 per month. HMRC are working urgently to set up a system to reimburse employers.

VAT liabilities between now and the end of June 2020 can be deferred until 5/4/21.

Income Tax self-assessment 2nd instalment due 31/7/20 will be deferred until 31/1/21.

Insurance Claim

The advice to avoid pubs, clubs and theatres are sufficient to trigger a claim under business interruption insurance. We are looking into this. But please contact your insurance company/broker immediately to see if you can claim.

Confirm with your insurance company/broker if Business Interruption cover in your commercial insurance policy.  Business Interruption insurance covers the income that you lose after a disaster.  Then check whether you have an extension for “notifiable diseases”, speak with your broker to find out if coronavirus is covered. The UK Government has declared COVID-19 a notifiable disease. 

The government advising people to stay away from restaurants, pubs, etc rather than ordering businesses to shut down, was sufficient to make a claim on business interruption insurance.  Insurance policy that covers both pandemics and government ordered closure is sufficient to make a claim provide all other term of your policy is met.   

Pubs and restaurants are able to provide a takeaway service without a planning application.

 

Self Employed Income Support Scheme

Announcement by the Chancellor on 26th March 2020.

The Government announced a new Self Employed Income Support Scheme to provide support to self-employed people impacted by COVID-19. 

Self-employed people, can receive a grant of up to 80% of their average monthly profits over the last three years – up to a maximum of £2,500 per month. If you have been trading for less than three years your average profits will be based on the last one or two years. You are not eligible for this scheme if you have less than one year of trading profits.  

Grants will cover March, April and May, this may be extended. Payment of the grant will be made in one lump sum, to be paid from June 1st. You can continue to trade and still receive the grant. 

It does not cover you if you have paid yourself a salary or dividends through your company. In which case, you will be covered by the previously announced Coronavirus Job Retention Scheme.

Available for those with trading profit up to £50,000

HMRC will contact you directly and ask you to fill in a form by June 2020.

Also available to self-employed 

• CBILS (Coronavirus Business Interruption Loan Scheme)

• Defer July 2020 SA payment to Jan 2021

• Access Universal credit

 

USEFUL LINKS

We will summarise everything on our website as and when information becomes available.

Up to date government guidelines:
https://www.gov.uk/government/publications/guidance-to-employers-and-businesses-about-covid19

For Loans see below for participating financial institutions. All major banks are on the list.
https://croner.co.uk/coronavirus/

Conference call Free helpline book below to speak with:
Steve Bradshaw FCCA CTA
Tel: 02072 325320
Wework Southbank Central
30 Stamford Road
London
SE1 9LQ
https://calendly.com/steve-caat/15min

Conference Call Advice with Cobra and Lord Karan Billimoria
020 3463 9718
Code: 59865562
Next one 23/3/2020 at 11:30 am

The National launch of food for most vulnerable campaign

We are all deeply concerned over the COVID-19 outbreak and how it’s having an impact on all our lives in so many different ways. Many people are cautious about going out in the current climate and enjoying themselves as they normally would. Here at The British Bangladeshi Caterers Association, one of our main concerns are for the elderly and vulnerable who are having to self isolate.

From Wednesday 18th March we will be helping any elderly person who are self isolating by providing them with a FREE meal from any of our member restaurants or takeaways, details below. Simply call one of the listed establishments and choose from one of the options presented to you. Your order will be taken and ready for collection by one of your family members. If you have no-one to collect, we will arrange a doorstep delivery for you where possible.

Based on first come, first served. We assure you the meal will be nutritional and healthy. We hope this precedented step and community spirit will lift moral for communities during these tough times. We care for the community and together we can overcome the tough times we are all facing.

BBCA restaurant and takeaway participants:

Bangkok Lounge Shefford – 01462 338287
Bangkok Lounge Harpenden – 01582 461282
Bayleaf Restaurant – 020 8446 8671
Curry Mahal Harrow – 0208 4227976
The Coriander Hatch End – 0208 4288166
Royston Tandoori Royston – ‭01763 249098‬
Rupali Ruchi South Croydon – 0208 6880000
Silka Indian London Bridge – 02073786161
Mango Tree, Maidstone, Kent – 01622 676233
Shamrat Indian Brasserie Maidstone – 01622764961
Cafe Massala, Long Melford, Suffolk, 01787 378658
Memsaab, Lavenham, Suffolk – 01787249431
The I. V ( India Villa ), Hadleigh, Suffolk – 01473828599
Little India, Halstead, Essex – 01787476161
Viceroy of Windsor, Windsor, 01753 858005
Quality Tandoori, Edenbridge – 01732 865043
Woodhouse Tandoori, Frien Barnet, 02083617879
Coffee Pot Luton – 01582 480289
Taj Barming, Kent, 01622728600
Thai Fusion, Kent, 01795436000,
HB Curry, Luton, 01582 414243
Alishan Restaurant, Kent – 01732770616
Rose of Bengal, East Sussex – 01892 662252
Curry Garden Dunstable – 01582 608564
New Akash, Gt Missenden, 01494 866953
Sukho Thai, Gt Missenden, 01494868911
Taste of Nawab, Muswell Hill – 02088836429
Masala Indian Takeaway, Hitchin, 01462 434010 (non member business)
The Rajdoot- Paddington – 02074862055
Bayleaf Takeaway, London N20. 02084468999
Ruhits restaurants, London, 02088304222
Ashiyana Indian Luton – 01582 966116
Little India, Nsw Australia, Ingleburn, Sydney, 0298284611
Junahki, Kent – 01892 615200
Rajpoot, East Sussex – 01892 654631
Gandi, Gravesend – 01474535757
The Spice, Tunbridge Wells – 01892 543794
Imli Restaurant Tunbridge wells – 01892 522550
Pink Paprika Kent – 01634 255555
Kashmir, Canterbury, Kent – 01227462050
Mahdi Lounge, Rye, East Sussex, 01797 223091
Sheesh Mahal, Twickenham, 02088923303
Palkee, Cambridge, 01223412268
Jalsha, Ashford, Middlesex, 01784251544
River Spice, Hemel Hempstead, 01442 214176
The Empress, London, E1 0207 265 0745
Shad Indian, London Bridge, 0207 407 2777
Badsha, Tenterden, 0158076 5151
Tower Tandoori Restaurant, London, SE1 4TP, 020 7237 2247
Farncombe Tandoori Restaurant, Godalming, GU7 3LH, 01483 419388
Monsoon , NW51ST, 0207-284-1700
Himalaya, Leighton Buzzard, 01525 381634 (non member restaurant)
Raj of Purley, Purley, 02086606601 (non member)
Coriander takeaway, South Croydon, 020 8686 5868 (non member)
Jall Chilli, Maidstone, 01622205205
Cafe Goa, Barton Le Clay, 01582881529

In the Media:

London coronavirus: Restaurants in Barnet, Croydon, Harrow and Southwark are offering the elderly free meals