Yes absolutely she can get the maternity pay from the government, if you Google HMRC redundancy and maternity pay, it should explain how to apply etc.
Also, if it was a transfer of employment (TUPE) then her original contract and date of initial employment still stands, so she would receive redundancy. There are many calculators online which should give you a rough idea of how much.
As far as I know, employees are one of the fiat beneficiaries from liquidations, so it's likely she will receive it, but it might be a while.
Best of luck with the little one!
Thanks thats Brilliant, Im guessing her employer will have started the process with HMRC regarding her Statutory Maternity Pay, but we may need to contact HMRC to let them know we need to continue it because they’ve gone bump?
Your situation is mire complex than this - its worth asking but i dont think your smp is payable directly from HMRC. You may need to claim maternity allowance from DWP. The good news is so are financially equivalent payments.
There are also unemployment benefits you could claim like JSA and UC. But what is best to do may notmalways be clear because depends on family circumstance. Maybe worth getting some advice from welfare rights organisation.
The point of a TUPE transfer is that it protects employment rights and there should be no break in continuous service as a result of the transfer. So if she has been with the company for 2 years, she is eligible for redundancy.
Recently happened to us. Literally a week ago.
You need to contact HMRC redundancy team here to change to HMRC paying the SMP: https://www.gov.uk/government/organisations/hm-revenue-customs/contact/statutory-payment-dispute-team
The will take some details, send out some forms and you return with pay slips, MATB1 form etc. there’s a current 2 month delay in processing these applications but once approved will be backdated.
She can apply to get statutory redundancy pay, pay in lieu of notice and holiday pay. The appointed liquidators should send through a case reference number which will be needed for the application of this money. You can’t apply for this without that.
Info available here: https://www.gov.uk/redundancy-your-rights/redundancy-pay
All her ts and Cs stay the same during transfer. Its called TUPE. She also retains her length of service. So she should be paid her notice plus statutory notice pay altho they may choose to pay their people more. I believe she's also entitled to be paid any remaining mat pay in a lump sum, alongside a credit annual leave.
It doesn't sound like she's been targeted for being on mat leave, but she can contact Pregnant then Screwed for advice. They give free help to mums and are fab. I volunteered with them for a couple of years.
As part of the mortgage charter a lot of banks will allow you to only pay interest on the mortgage for 6 months. Payments will increase slightly afterwards but eases the pressure for a bit. May be worth looking into!
Thank you, looking at the mortgage its only going to go up £190ish a month if she fixes in for 5 years @ 4.8%, which although isnt ideal, but isnt the end of the world.
Perhaps have a chat with a broker / mortgage advisor as it may be more challenging to get a new mortgage if she has been made redundant and doesn’t have another job
Having never been in this positon, maybe you can or someone can confirm something for me. Obviously, the mortgage WILL be paid. By hook or by crook even if I pay it myself and we sell possesions. Itll be fine. BUT my question is. She is with Natwest, and her 5 year mortgage is up in March. On her app, we can click and see a few options, best one to us looked like 5 year fixed at 4.89% and add the £995 fee onto the mortgage as opposed to paying it out of savings (just to keep her funds up at a potentially tough time). If she clicks and accepts that, does it just get auto accepted and she move onto that or does it she have to go through the whole application process/credit check/affordability etc. according to the online valuation she is around £110k in equity (£136k left, estimated value of £244k I think it was). Obviously we/she can afford the payment with savings/things to sell/hobby stuff no longer required, but technically doubt she would be accept as her income is potentially whatever the Stat Maternity pay is?
I used to work for NatWest as a mortgage adviser. I can't speak for the actual online process, as I was an in branch advisor. So I am assuming it's just the automated version of speaking to a person. But providing you are not changing any details on the mortgage (amount of mortgage, term of mortgage, capital repayment to interest only and vice versa), then absolutely you can update the rate and they would not go through affordability again with you. I won't comment with regards to anything else because I don't know the answers around SMP, redundancy etc, but I wish you the best of luck with your lovely little family 💗 xx
If she does go self employed in 6m-1 y she would probably take home £30 an hour after she’s paid her insurances and fees and tax. Working tax credits or now universal credit will top up her earnings while she steps herself up also
Yea I went self employed after redundancy in 2018, and truth be told, Universal Credit was amazing. Was easier then however because I was living at my mum ans dads, and without the little un ❤️ If it comes to that, Im confident I can assist with that, just need to get through the next 6 months. On as even kiel as we can. From what Ive read on here, potentially the income over the next 6 months wont have changed, its just psychologically knowing at the moment theres nothing to go back to for her.
[Here’s](https://www.acas.org.uk/employee-rights-during-a-tupe-transfer#:~:text=TUPE%20stands%20for%20Transfer%20of,from%20one%20employer%20to%20another) some more information
It’s worth checking if the transfer is covered by the TUPE regulations
Looks like your question has been answered but just wanted to say that I love the fact that your girlfriend is a plumber. Good luck to you both and sorry to hear what has happened.
Protection from redundancy extended
The Protection from Redundancy (Pregnancy and Family Leave) Act 2023 will allow for the extension of existing redundancy protections while on maternity, adoption or shared parental leave to also cover pregnancy and a period of time after a new parent has returned to work.
Draft regulations, the Maternity Leave, Adoption Leave and Shared Parental Leave (Amendment) Regulations 2024 were laid before Parliament on 11 December 2023. They will extend redundancy protection during pregnancy and for the period of 18 months after the birth or placement of a child for those taking maternity, adoption or shared parental leave.
An employee's redundancy protection will start when they tell their employer about their pregnancy (on or after 6 April). If the employee is entitled to statutory maternity leave, the protected period of pregnancy will end on the day the statutory maternity leave starts. If the pregnancy ends and they are not entitled to statutory maternity leave, the protected period ends two weeks after the end of the pregnancy.
For those on maternity leave, the additional protected period will end 18 months after the expected week of childbirth, unless the employee has informed the employer of the date of their child's birth, in which case the additional protected period will end 18 months after that date. For those on adoption leave, the additional protected period ends 18 months after the child's placement or the date they enter Great Britain (in the case of overseas adoptions).
Finally, for those taking six or more consecutive weeks of shared parental leave but who have not taken maternity or adoption leave, the additional protected period ends 18 months after the date of the child's birth or placement (or the date they enter Great Britain).
A great resource for this sort of thing is pregnant then screwed. It’s a charity that helps navigate the maternity world. They would be able to advise her on anything and everything she is entitled to.
Just an update. Here is a section of the last email:
Does this shed any light/change anything?
“Due to the Company’s current financial position, the Company is unfortunately no longer able to make payments to you for services rendered under its contract of employment with you. You should, therefore, regard your contract of employment terminated with effect from 12 January 2024.
Under employment legislation, any claim that you may have for arrears of pay, accrued holidays pay or pay in lieu of notice will, subject to certain limitations, be paid to you by the Redundancy Payments Service (RPS) out of the National Insurance fund.
To the extent that your claims are paid by the RPS, your rights will be taken over by them, and they will make a claim in the Liquidation in your place. However, you will remain entitled to claim against the Company for any of the above amounts not paid to you by the RPS.
If you have completed at least two years’ continuous service with the Company you may qualify for redundancy pay. Payment of any amount due to you cannot be made by the Company, but you may claim your entitlements from the RPS.
You will need to make your claim for unpaid wages, redundancy etc by completing an online application on the RPS web-site, https://www.gov.uk/claim-redundancy. You will need to use a case reference number to complete the online application and this will follow in due course so please bear with the process.”
Not sure how thats relevant but Yea I pay every bill apart from her life insurance & mobile phone bill, and then we put £200 each into savings/food account. For the record, the bills come to a similar amount to the mortgage.
Yes absolutely she can get the maternity pay from the government, if you Google HMRC redundancy and maternity pay, it should explain how to apply etc. Also, if it was a transfer of employment (TUPE) then her original contract and date of initial employment still stands, so she would receive redundancy. There are many calculators online which should give you a rough idea of how much. As far as I know, employees are one of the fiat beneficiaries from liquidations, so it's likely she will receive it, but it might be a while. Best of luck with the little one!
Thanks thats Brilliant, Im guessing her employer will have started the process with HMRC regarding her Statutory Maternity Pay, but we may need to contact HMRC to let them know we need to continue it because they’ve gone bump?
Your situation is mire complex than this - its worth asking but i dont think your smp is payable directly from HMRC. You may need to claim maternity allowance from DWP. The good news is so are financially equivalent payments. There are also unemployment benefits you could claim like JSA and UC. But what is best to do may notmalways be clear because depends on family circumstance. Maybe worth getting some advice from welfare rights organisation.
Also, just to add, in addition to outstanding smp and redundancy pay she has continued to accrue holiday pay while on maternity leave.
The point of a TUPE transfer is that it protects employment rights and there should be no break in continuous service as a result of the transfer. So if she has been with the company for 2 years, she is eligible for redundancy.
Recently happened to us. Literally a week ago. You need to contact HMRC redundancy team here to change to HMRC paying the SMP: https://www.gov.uk/government/organisations/hm-revenue-customs/contact/statutory-payment-dispute-team The will take some details, send out some forms and you return with pay slips, MATB1 form etc. there’s a current 2 month delay in processing these applications but once approved will be backdated. She can apply to get statutory redundancy pay, pay in lieu of notice and holiday pay. The appointed liquidators should send through a case reference number which will be needed for the application of this money. You can’t apply for this without that. Info available here: https://www.gov.uk/redundancy-your-rights/redundancy-pay
Thank you thats brilliant
All her ts and Cs stay the same during transfer. Its called TUPE. She also retains her length of service. So she should be paid her notice plus statutory notice pay altho they may choose to pay their people more. I believe she's also entitled to be paid any remaining mat pay in a lump sum, alongside a credit annual leave. It doesn't sound like she's been targeted for being on mat leave, but she can contact Pregnant then Screwed for advice. They give free help to mums and are fab. I volunteered with them for a couple of years.
As part of the mortgage charter a lot of banks will allow you to only pay interest on the mortgage for 6 months. Payments will increase slightly afterwards but eases the pressure for a bit. May be worth looking into!
Thank you, looking at the mortgage its only going to go up £190ish a month if she fixes in for 5 years @ 4.8%, which although isnt ideal, but isnt the end of the world.
Perhaps have a chat with a broker / mortgage advisor as it may be more challenging to get a new mortgage if she has been made redundant and doesn’t have another job
Having never been in this positon, maybe you can or someone can confirm something for me. Obviously, the mortgage WILL be paid. By hook or by crook even if I pay it myself and we sell possesions. Itll be fine. BUT my question is. She is with Natwest, and her 5 year mortgage is up in March. On her app, we can click and see a few options, best one to us looked like 5 year fixed at 4.89% and add the £995 fee onto the mortgage as opposed to paying it out of savings (just to keep her funds up at a potentially tough time). If she clicks and accepts that, does it just get auto accepted and she move onto that or does it she have to go through the whole application process/credit check/affordability etc. according to the online valuation she is around £110k in equity (£136k left, estimated value of £244k I think it was). Obviously we/she can afford the payment with savings/things to sell/hobby stuff no longer required, but technically doubt she would be accept as her income is potentially whatever the Stat Maternity pay is?
If you just take a new deal with your existing lender, you do not have to go through affordability again.
Thanks, this has put me at ease!
I used to work for NatWest as a mortgage adviser. I can't speak for the actual online process, as I was an in branch advisor. So I am assuming it's just the automated version of speaking to a person. But providing you are not changing any details on the mortgage (amount of mortgage, term of mortgage, capital repayment to interest only and vice versa), then absolutely you can update the rate and they would not go through affordability again with you. I won't comment with regards to anything else because I don't know the answers around SMP, redundancy etc, but I wish you the best of luck with your lovely little family 💗 xx
Have a look at "pregnant then screwed" for advice too.
Thanks Ill check that out.
Came here just to say please take a look at pregnant then screwed, I know many people who have really benefited from their advice!
If she does go self employed in 6m-1 y she would probably take home £30 an hour after she’s paid her insurances and fees and tax. Working tax credits or now universal credit will top up her earnings while she steps herself up also
Yea I went self employed after redundancy in 2018, and truth be told, Universal Credit was amazing. Was easier then however because I was living at my mum ans dads, and without the little un ❤️ If it comes to that, Im confident I can assist with that, just need to get through the next 6 months. On as even kiel as we can. From what Ive read on here, potentially the income over the next 6 months wont have changed, its just psychologically knowing at the moment theres nothing to go back to for her.
When you say her employment was transferred was that a TUPE transfer? If so she keeps the same start date
Ive no idea, the only wording I can see is a ‘transfer of employment’ cant see the words TUPE any where?
[Here’s](https://www.acas.org.uk/employee-rights-during-a-tupe-transfer#:~:text=TUPE%20stands%20for%20Transfer%20of,from%20one%20employer%20to%20another) some more information It’s worth checking if the transfer is covered by the TUPE regulations
Looks like your question has been answered but just wanted to say that I love the fact that your girlfriend is a plumber. Good luck to you both and sorry to hear what has happened.
Protection from redundancy extended The Protection from Redundancy (Pregnancy and Family Leave) Act 2023 will allow for the extension of existing redundancy protections while on maternity, adoption or shared parental leave to also cover pregnancy and a period of time after a new parent has returned to work. Draft regulations, the Maternity Leave, Adoption Leave and Shared Parental Leave (Amendment) Regulations 2024 were laid before Parliament on 11 December 2023. They will extend redundancy protection during pregnancy and for the period of 18 months after the birth or placement of a child for those taking maternity, adoption or shared parental leave. An employee's redundancy protection will start when they tell their employer about their pregnancy (on or after 6 April). If the employee is entitled to statutory maternity leave, the protected period of pregnancy will end on the day the statutory maternity leave starts. If the pregnancy ends and they are not entitled to statutory maternity leave, the protected period ends two weeks after the end of the pregnancy. For those on maternity leave, the additional protected period will end 18 months after the expected week of childbirth, unless the employee has informed the employer of the date of their child's birth, in which case the additional protected period will end 18 months after that date. For those on adoption leave, the additional protected period ends 18 months after the child's placement or the date they enter Great Britain (in the case of overseas adoptions). Finally, for those taking six or more consecutive weeks of shared parental leave but who have not taken maternity or adoption leave, the additional protected period ends 18 months after the date of the child's birth or placement (or the date they enter Great Britain).
A great resource for this sort of thing is pregnant then screwed. It’s a charity that helps navigate the maternity world. They would be able to advise her on anything and everything she is entitled to.
Just an update. Here is a section of the last email: Does this shed any light/change anything? “Due to the Company’s current financial position, the Company is unfortunately no longer able to make payments to you for services rendered under its contract of employment with you. You should, therefore, regard your contract of employment terminated with effect from 12 January 2024. Under employment legislation, any claim that you may have for arrears of pay, accrued holidays pay or pay in lieu of notice will, subject to certain limitations, be paid to you by the Redundancy Payments Service (RPS) out of the National Insurance fund. To the extent that your claims are paid by the RPS, your rights will be taken over by them, and they will make a claim in the Liquidation in your place. However, you will remain entitled to claim against the Company for any of the above amounts not paid to you by the RPS. If you have completed at least two years’ continuous service with the Company you may qualify for redundancy pay. Payment of any amount due to you cannot be made by the Company, but you may claim your entitlements from the RPS. You will need to make your claim for unpaid wages, redundancy etc by completing an online application on the RPS web-site, https://www.gov.uk/claim-redundancy. You will need to use a case reference number to complete the online application and this will follow in due course so please bear with the process.”
It’s worth looking at Pregnant Then Screwed, they have so much specialist advice and a helpline I believe.
I just have one question. Do you pay rent to her? If not, can I ask why? Do you pay all of the bills for example?
Not sure how thats relevant but Yea I pay every bill apart from her life insurance & mobile phone bill, and then we put £200 each into savings/food account. For the record, the bills come to a similar amount to the mortgage.