Buddfridge: Are you sure about how the Givernment measures your income/profit as a business? I was under the impression that what they would be giving you is based on previous tax returns - if you had a decent year last tax year, your financial help will be based on those figures.
If you are between 2 areas of business rates/rental help and have effectively fallen through the crack of government help, get in touch with Citizens advice Bureau and write to your local MP to let them know of your plight. The letter should be concisely summarised at the front end to grab attention, give the details later. Don't make it a hard read to get to the crux of your issues.
May have to face facts - if your business hasn't made you a decent income before this crisis, ask yourself why you've carried on - is it flexible/convenient? Would you be worse off taking a regular job with more security, appropriate to your skill set?
If you want to carry on after all this, might be time to apply furloughment to your staff. You won't have to pay them, the government will pay 80% of their wage.
Sounds like you've exhausted nice enquiries with your landlord- they've called your bluff. If you can't afford to pay your rent then call his bluff and give notice or do what you can to get your agreement cancelled. If you do want to get a job going forward, consider bankruptcy or liquidation if it doesn't jeopardise your home (if mortgaged) -is yours a limited liability company?
VT is as above - half of the car cost paid back:
Say you buy a £34k RRP car, but have discount and deposit contributions of £5k and put £5k down yourself, you've effectively paid down £10k on day one. Half of £34k is £17k, so you've got to have made enough payments to cover the remaining £7k in capital. As around 1/3 of your monthly payments on PCP are interest with6% APR, you'll need to have made about £10k payments to cover that £7k. £10k at £400pm is 25 monthly payments made.
