Fulltiming Illegal?

Discussion in 'Full Timers' started by Jim, Oct 14, 2010.

  1. Jim

    Jim Ringleader

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    Jim mentioned in another thread about full timers having to live on the fringes of the law. I can understand that not telling the insurance company all of the facts about your lifestyle could land you in hot water, and or having a claim refused. That apart what other fringes are there? When else does a fulltimer get close to breaking any law?
     
  2. Douglas

    Douglas Read Only Funster

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    On the same lines

    If you are eligible and claiming Council Tax benefit, (tax relief by another name) then you loose you eligibility if you stay away from your home for more that 13 consecutive weeks, the fact that you are not in another taxable dwelling seems to make no difference.

    Can any one explain the reasons for this?

    Doug...
     
  3. rainbow chasers

    rainbow chasers Read Only Funster

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    Holiday homes and second houses!

    Law was tightened up a few years ago - originally, if you owned a holiday/second home it was exempt from council tax whilst unoccupied - albeit a limited time - but it worked well for the owners who only paid a few hundred pounds a year. Councils varied on times, some were 6 months, some were 8 months.

    It reached a peak in holiday areas, where places became virtual 'ghost' towns in the winter as they were all or mostly holiday/second homes - so the councils were losing out on massive amounts of revenue. So this was tightened up, and a 13 week restriction laid down on second/holiday homes.

    Therefore - unoccupied houses for a period beyond this time, are classed as holiday/second homes and are not entitled for relief of any kind.
     
  4. scotjimland

    scotjimland Funster Life Member

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    For a fulltimer with no C/O address .. for starters

    Driving license , Vehicle registration, Passport, all require your address, failure to inform is an offense
     
  5. Landy lover

    Landy lover Funster

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    These are surely the main reasons for keeping a genuine address going where your name is easily refered to by authoritiies in cases where they need to check up on you. When we went full time within a few weeks we had a letter from the local council asking where we now lived and there were other queries raised by different authorities because different names were being registered at our house and we had not notified of a new address - we gave satisfactory information so the problem went away but it was picked up quickly. Worth noting that if the police get involved and they cannot satisfy you and your address are genuine then you will be detained until they can. With the speed of modern computers and easy access information can be obtained checked and cross reference in seconds.
     
  6. Jim

    Jim Ringleader

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    Isn't a rented address legal? One that just passes on any mail. I know it is for limited companies, how about individuals? Its a pain in the arse workaround, but I doubt its breaking the law, for either licence, log book or passport.
     
  7. rainbow chasers

    rainbow chasers Read Only Funster

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    I can't see why not! Maybe not PO boxes - but pigeon hole mailing addresses should be fine!

    As long as the mail is recieved, then surely that must be all is required. The only thing with insurance that may be requested is where the vehicle is kept - but that can be another property or storage place anyway, so I cannot see a problem!
     
  8. Douglas

    Douglas Read Only Funster

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    The above does not apply to me, I'm in a motorhome not a holiday home!

    Doug...
     
  9. scotjimland

    scotjimland Funster Life Member

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    I looked into this but decided against mainly due to costs .. IIRC about £30 per month.. plus costs of forwarded mail .. and to where would you have it forwarded if touring

    Re Insurance, whatever you tell them about where it is kept will be a lie if you are living 365 in the van ..voiding the policy if found out. .
     
  10. rainbow chasers

    rainbow chasers Read Only Funster

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    I was of the understanding that, although you are full-time in your motorhome, you own a house.

    Under the current laws, because your house is not your main residence, THE HOUSE is classed as a holiday home/second home - therefore is not eligible for any tax relief.

    The motorhome is irrellevant as it is exempt anyway. It is the occupancy of the house that matters.

    ScotlandJim; In your situation, you could have it forwarded to a friends' address and get them to read the letters/e-mail copies to you as the best option. It would need to be a trusted friend or family member however, as they will know all your dealings!
     
  11. Bouncer123

    Bouncer123 Read Only Funster

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    Leaving your address

    Hi there. Would you be able to tell me the 'satisfactory information' which you gave to the authorities who queried you, so that the problem 'went away'? Would appreciate any information. Thanks, Bouncer 123:Wink:
     
  12. Landy lover

    Landy lover Funster

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    I explained that I was still living there and the others were also - nothing in law to stop that - yet
     
  13. keith

    keith Funster

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    Not an illegal aspect, but i recently applied for a new bank account and because they could not find our address on the post office database they could not complete the application without contacting us.

    I was moving accounts because the Nationwide stopped giving free withdrawals on their cash card and the Cumberland B S do not charge for foreign cash withdrawals.

    For us it was not a problem as we had a council tax bill, l but it shows how a small slip could lead to further investigation.
     
  14. Snowbird

    Snowbird Funster Life Member

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    If you are on pension,am sure you need an address,if you have any state benifits,for example disability,sickness,or industrial injury,then they will stop.
    How would you get a bank account with no address,they need proof of address,ie utility bills.I have enquired for over 10 years on this subject and am no wiser now than I was 10 years ago.Am now on pension,and still cannot fulltime,as much as it would suit me too.:Sad:
    As for leaving the country for the winter...after 3 months your money stops...if you tell em.:RollEyes:
    With the new system of scanning your passport in and out,there is no way round it.:Angry:
    A few years ago there was a big crackdown in Benidorm,UK benifit investigaters going round the campsites with Spanish authoritys checking passport details at the office against UK benifit claimants,dead easy with modern day computers,how long had they been there etc. Mass exodus the following weeks,and they have not recovered yet.:Eeek:
    It is feesable to fulltime whilst working,but almost imposible when you retire,and unless you want to die in harness you are going to retire somtime.
    Big brother is watching all of us...all of the time.
     
  15. Jim

    Jim Ringleader

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    Sadly they are the impracticalities that affect anyone wanting to retire abroad whether in a motorhome or not. Benefits must be able to be paid to be people without addresses, I know genuine "homeless" (on the street) people who live on benefits so they must be paid somehow?

    The question is (above) what legal fringes are we on when full timing, as far as I can see, its a pain, but completely legal.
     
  16. moandick

    moandick Read Only Funster

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    One of the big problems that happened to us when we went full-timing occurred because we paid all of our 'bills' by direct-debit through internet banking - including our credit cards.

    I was later told that because we paid all of our bills on time every time - we did not have a credit card rating - we became invisible to the "Experian" credit system as a result of which we could not get a loan of any sort - not that we needed it - but neither could we get Experian to give us a copy of our credit history - to them we simply did not exist.

    Had we not paid a bill, or paid a bill late - then we would have had a credit rating (albeit a bad one) BUT we would no longer have been invisible to the system.

    Six years later and back in bricks-and-mortar, on the local voting list etc., etc., etc - we still cannot get a copy of our credit rating because we cannot prove (with a utility bill) where we have been living for the past 5 years - so we are still going to be invisible for several years to come.

    Dick
     
  17. GJH

    GJH Funster Life Member

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    I recall from a few years ago that a decision was made to allow addresses something like "Third bench along in the park" to cater for people living on the street.

    Having seen a number of compromises, in both central and local government, caused by the demands of an ill-fitting computer package foisted on them by one or other of their "strategic partners" I would guess that the reason was that the system would not work without an address.

    In those cases, however, the claimants were actually going to a post office or benefits office to collect what was due to them so the address would never be used for postal purposes.

    Graham
     
  18. Jim

    Jim Ringleader

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    Yes you're probably right Graham I seem to remember they went direct to benefits offices for giro which they cashed at the local Spar off licence.

    I imagine that the address field on almost all Government (benefit of any kind) computers is a compulsory field, not making it illegal but just nigh on impossible:RollEyes:
     
  19. GJH

    GJH Funster Life Member

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    The problem comes when business/systems analysts (like I used to be at one time) don't do their job properly and make assumptions.

    It used to be less of a problem in the early days of public sector software - oh what pioneers we were :Smile: - because people who had been doing the job manually for years were inevitably involved and they realised things like people having no address were an inevitability.

    Then came the move (to cut costs) to buying in packages which, often enough, were based on existing systems written for the private sector because the people selling them "knew" that everyone was the same and/or didn't want to do the extra work to cater for the exceptions. If the computer system won't cope with the exceptions then the manual procedures around it have to be forced to do so.

    Graham
     
  20. Snowbird

    Snowbird Funster Life Member

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    A few questions.
    1 What address do you put on your driving licence?
    2 .............................................insurance?
    3 .............................................log book?
    4..............................................passport?
    5..............................................medical card?
    6..............................................E111?
    7What address do you use for your bank statements?
    8.............................................credit card?
    9.............................................breakdown recovery?
    10............................................doctor?
    11............................................dentist?
    12............................................pension?
    13............................................benifits...if apropriat?
    14............................................if stoped by police..spot check?
    15............................................mobile phone provider?
    16............................................customs and excise...spot check?:Eeek:
    17............................................TV licence?
    18............................................if admited to hospital...sick?
    19............................................bus pass?
    The list goes on and on...most of these are legal requirments...those that are not you will find dificult to manage without.Try getting pulled by imigration or customs with no fixed abode and see how far you go.
     
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