Rachel

Layla Barnes is one among many thousands of Small Business owners left financially and emotionally devastated by More Than ten weeks, the government-imposed block.

She was close forced your Doncaster-based beauty therapy and training companies, the profit began to Abel in February, before the lockdown.

However, the government ruled out to support Layla, 30, and their limited society from any form of crisis, forced them on the benefits of € 408, - Per month.

She moved out of their rented house, not able to meet your rent and bills, running up thousands of pounds in credit card debt to try and get your business.

"If I lose my business, I Lost Everything . I have spent my entire Life savings - About £60,000 of them, and on equipment and machinery.

"I would rather lose my house than lose my business. So I moved in with mom and dad and I and my husband are now in the same box-room, I moved at the age of 17. "

As a result, She is under a huge amount of stress, which rekindled a previously diagnosed Mental Health disorder and made you think that this "had the worst time that I have been through in My Life - worse than anything before. "

And She is not alone. Research published on Thursday by accountants serve approximately 61,000 small businesses throughout the country supported the concerns that the shutdown is taking its toll on their clients Mental Health .

Almost three-Quarters - 73 percent - Report that customers are struggling to sleep. 67% reported worse Mental Health , and 50% of your customers feelings, which is not able to cope had published, which, according to the SME-health-Tracker, the of The Association of Chartered Certified Accountants.

In previous studies, which reported on 21 may, 11% of the auditor, that the customer had discussed the thoughts of your own Life .

Before the shutdown in September 2019, Layla did what successive governments created tax regulations - branch on their own and start their own company as a limited liability company.

"I left a high-paying full-time job employed in the Harley Street , the training of doctors and nurses to keep track of in terms of aesthetics and botox, my dream and open My Own training Academy. I began to do in February and moved into the profit," Layla told The Bbc .

"I had paid me 500 € in September in wages than what I earned, I put back in my business. "

But She had happened to terminate your business, as the lockdown.

"I had to refund £ 20,000 courses booked for March, I have to. I have others that I can not be non-refundable because The Money is There . "

As an estimated 710,000 other owners and managers of small businesses, Layla was excluded from the financial support, in a conscious decision of the government.

She is Not Entitled for the self-employed-income-Support-model, because, after taking a tax Advisor to consult, you had a limited liability company, paying a basic salary of € 500 Per month and any additional income in the form of dividends, The Limited liability company.

Neither of the Coronavirus Job Retention System (the "holiday scheme"), the self-employed-income support offer covers your.

your business shared office occupied Space - so was it the owner of The Building , instead of the register on The Business rates and therefore received the grants is to hit the companies, due to the lockdown. Neither you could not to the payment holiday because your landlord was commercial to residential.

"I was rejected for The Bounce -Back loan so I'm now on universal credit, £408. 99, - Per month. It is impossible to pay rent and the bills.

"I've been irritating in The Last 10 weeks on credit cards, which are now almost out and I have also sold some business and Personal Belongings , including my car and my Engagement Ring ," Layla told The Bbc .

"I have said, There is a possibility, back In July . However, I'm not sure The Company will survive until then, and the credit that I have borrowed personal loan. so if The Company goes bankrupt, I'm thousands in debt for something still am, this is my Fault . "

She added: "I'm not saying that corona No One is to blame. But I feel really bitter, as I have already said that I can't Work - but nobody will support me. Even if I survive make it Until July , it will be a long time before I have clearly accumulated the huge debt that I. "

Layla told me, your Mental Health disorder had been diagnosed in 2010 but had recovered and was "really good". But in The Last few weeks, you have to, the crisis, meeting with a community psychiatric nurse.

"people don't want to understand; it is so frustrating. For people on holiday, it's almost like everyone has had a three months holiday. No One will hear it.

"I have emailed [the Chancellor ] Rishi Sunak seven or eight times. I know not even an automatic reply. I emailed The Council - No One came Back To me. "

Mr Sunak excluded owner of The Company to pay dividends out of support during the shutdown process. The Ministry of Finance said that The Reason was that he could not distinguish, the self-assessment forms of dividends to the owner-Manager as Layla, and dividends for the investors.

But, of The Association of Chartered Certified Accountants disputes this, saying auditors were able to confirm that the dividends were paid in lieu of salary and this to be verified could, of auditors and cross-checked with real-time information submitted by the accountant to HMRC.

the owner-Manager can. a vacation, even for the wage tax (paye) part of your salary, but for many numbers, the typical minimum of £500 Per month, that would be something More Than the benefits

It would also make it illegal for them to do all the Work to maintain your business. Many small businesses have furloughed employees, but have little or no income for themselves.

Layla turned for support to the online campaign, The Group is Excluded, a non-profit organization whose mission is the campaign for three million British taxpayers are excluded from the government financial support.

Rachel flower, director of The Group , said: "There are a lot of women and men in our group were broken by What Happened .

"you can't understand why you said ve, you have no support, if others do the same job, were fully supported - just because you have been Set Up as a limited liability company.

"Most of them say," I just thought that I was independent and did what I was told to do'. And after he said that No One would forget and everyone would be helped, it is a real Kick In The Teeth . "

The Bbc has with the national Treasury for comment.

Source of news: bbc.com