PROTECT YOURSELF AGAINST BAD DEBTS...

The root cause of most businesses problems is non-payers. You do the work in good faith and then when it comes to payday the client disappears and ignores all invoices, calls and emails. The only way of getting the money in then is to start collection proceedings which can be costly.

With so many companies falling foul to this kind of business practice we have come up with a solution! Credit check the company before you carry out the work – you can then decide whether you believe them to be credit worthy or whether you will insist on upfront payment. It is irrelevant how long you have known them! In this economic climate everybody is at risk.

A company credit check will highlight a number of things such as:-

· Existing County Court Judgments (CCJ’s) and whether they are satisfied or unsatisfied
· Whether they have court proceedings currently against them
· If the directors have a history of opening and closing businesses
· Give you an up-to-date advisory credit limit.
· Give you a credit rating (scaled 0-100)

This service is quick and easy to use and only takes a couple of minutes. Once you are aware of your exposure, you can take the necessary steps to reduce it.

The costs are as follows:-

1 search £12.50
2 search £18.00
3+ searches £5.00 each search

Or if you plan on doing several in a month we are able to offer you unlimited checks for £20 per month (minimum term of 3 months)

In order to protect yourself all you need to do is call me on 0800 4 96 95 94 or EMAIL

N.B. The above prices are inclusive of VAT and credit card charges.

DISCONNECTION - DO YOU KNOW THE LAW?

With the current economic climate many people are suffering with arrears with their utility suppliers (gas, electricity, water). Many will be threatened with disconnection. This can be a very daunting time and many people may bury their head in the sand as they do not know who to turn to.

We understand the law surrounding disconnection and are happy to help whether your problem relates to business or individual arrears.

If you are faced with disconnection and would like some friendly, informal advice then contact me:-

0800 4 96 95 94 or EMAIL

BACK TO THE FUTURE WITH "BMV" PROPERTY BONANZA

Everyone is aware that the market is awash with below mark value bargains which, until now people have not been able to access because of the lending “drought”. The tables have now turned and once again we have access to RESIDENTIAL and COMMERICAL finance for professional property investors. This is the best bit of news for nearly 2 years!

We are offering you an unprecedented opportunity in the current market:-

*Suitable for below market value properties
*Suitable for new builds – CML declaration no problem!
*85% LTV (loan to value) can be up to 100% of the actual purchase price
*Interest Only available (2-5 years) then convert to repayment
*Commercial Loans available form 4.45%

Qualifications

*Must have mortgage on own home and at least 2 buy-to-let mortgages
*Must have clean credit history, slight adverse may be accepted by discretion
*Must be employed or self-employed and may have to provide proof of income

Decision In Principal (DIP), normally turned round within 48 hours.

FOR MORE INFORMATION OR TO APPLY CALL 0800 4 96 95 94 OR EMAIL

BAILIFFS.......

If you have a bailiff at your door whether it be for personal reasons or business it can be very daunting and you may feel intimidated and embarrased. There are things that you can do and there is always a way round this!

If you need FREE advice on bailiffs and the law or any other matter relating to business or personal debt then contact me. I offer friendly, impartial advice in a language that you will understand.

0800 4 96 95 94 or EMAIL

BUSINESS SUPPORT SERVICE.........

I’m sure we don’t need to tell you that the past two years have been turbulent financially; so many businesses have had to sadly close their doors and cease trading. Hopefully you are one of the lucky ones! Where do you turn to when your business goes through a “sticky” patch? Your accountant? Your solicitor? If you have answered “yes” to either of these then I am sure you will be aware of the weighty bills that they charge for offering you a little guidance.

We have come up with the concept of offering a BUSINESS SUPPORT SERVICE; you can use this at any time of your business life. You may feel that your business is flourishing or you may be struggling with your businesses finances. Whatever stage you are at the BUSINESS SUPPORT SERVICE can help you!

The package it tailor-made to suit your businesses individual needs and you will be given access to a personal account manager who will be on hand to provide support not just during office hours. We understand that most business people do not work “9-5” therefore you can contact your personal account manager in the evenings and on weekends too. Whenever you feel you need some friendly, impartial advice.

We have our own in-house accounts and legal team. Because of this your problem / query is dealt with as a matter of urgency – your personal account manager can oversee all of your queries and explain the solutions in terms that you understand.

Just some of the services included in our package are:-

· One site visit from your Personal Account Manager
· Advice on effective debt collection
· HMRC advice – to ensure you are being compliant and to solve any problems / queries
· Advice on cashflow queries
· Help raising finance
· Assistance with financial problems – CCJ’s, Winding-Up Petitions
· 24 /7 telephone support
· Ensuring that your assets are protected correctly

BUSINESS SUPPORT SERVICE is available to businesses of all sizes – whether you are a sole-trader or you are a large Limited Company.

The cost for the service is £25 per month or if you would like to pay for the service annually it is £249 – a saving of £51!

To become a member of our BUSINESS SUPPORT SERVICE or for an informal chat call Lucy on 0800 4 96 95 94 or EMAIL
or visit the site http://www.tenable-business-support.co.uk/

HAVE YOUR FINANCES CHANGED LIKE THE WEATHER?!

After a brief week of sunshine the weather looks like its changed for the worse! Are your finances mirroring this?

Whether you are an individual or a business we can help. We offer free, friendly, impartial advice on all aspects of finance from Debt Management Plans, IVA's, CVA's and we can even help when you think there is nothing that you can do!

Court action does not signify the end!

Call me today on freephone 0800 4 96 95 94 or EMAIL to find out for FREE what options you have available.

PURE FINANCIAL MANAGEMENT NOT TO BE CONFUSED WITH PURE DEBT SOLUTIONS.......

In one of my previous blogs I let everyone know about a fantastic new concept which we were commencing – the Debt Management Company called Pure Financial Management. Pure Financial Management will be a trading style of Tenable Solutions Limited.

We are in the early stages of setting up this company so were astounded to find that we already had people calling us regarding it (or so we thought)...........

They were actually calling for a company called Pure Debt Solutions, a company based in Wales. Now the bizarre thing is these people claim to be customers of Pure Debt Solutions and say that they have been paying money to them for the last couple of months and now the phone line is dead therefore were calling Pure Financial Management as they believed we were the same company.

I have searched high and low on the internet and not come up with anything apart from an address! No website and certainly no phone number.

If you have come across this post as a customer of Pure Debt Solutions then my suggestion to you would be to firstly contact your creditors and ensure that your payments to them have been made accordingly and then to report the company to the OFT (Office of Fair Trading).

If you would like some friendly, impartial advice on your debts and where to turn please call Lucy on freephone 0800 4 96 95 94 or EMAIL.

PROTECT YOURSELF FROM NON-PAYERS!!!!

The root cause of most businesses problems is non-payers. They do the work in good faith and then when it comes to payday the client disappears and ignores all invoices, calls and emails. The only way of getting the money in then is to start collection proceedings which can be costly.

With so many companies falling foul to this kind of business practice we have come up with a solution! Credit check the company / director before you carry out the work – you can then decide whether you believe them to be credit worthy or whether you will insist on upfront payment.

A company credit check will highlight a number of things such as:-

· Existing County Court Judgments (CCJ’s) and whether they are satisfied or unsatisfied
· Whether they have court proceedings currently against them
· If the directors have a history of opening and closing businesses
· Give you an up-to-date advisory credit limit.
· Give you a credit rating (scaled 0-100)

This service is quick and easy to use and only take a couple of minutes.

The costs are as follows:-

1 search £12.50
2 search £18.00
3+ searches £5.00 each search

In order to protect yourself all you need to do is call me on freephone 0800 4 96 95 94 during office hours or EMAIL.

N.B. The above prices are inclusive of VAT and credit card charges.

IS THE SUN SHINING ON YOUR BUSINESS??

Why is it when the sun is shining all of your problems don’t seem half as bad?! But the reality is nothing will have changed, the letters and phone calls will still continue and bailiffs will still call. Life goes on even though the sun is shining.

So many businesses are struggling alone; it is all too easy to try and ignore what is happening and hope (and pray) that it goes away. The truth is it won’t go away unless you get help.

Many people are embarrassed to ask for help, pride stops them. They fear that people will judge them and their business that they have worked so try and sustain. Tenable Solutions are REAL people; we don’t sit in judgement as many of us have been there before. You will receive nothing but support from the moment you call. Like the old saying says – ‘a problem shared is a problem solved’!

Just some of the issues we can help you with:-

· HMRC problems – Tax & VAT
· Creditor Pressure – are you being harassed?
· CCJ’s – We offer a FREE helpline
· Protecting Assets - A director’s loan account does NOT give protection
· Bankruptcy – It is not the end!
· Debt collection – make sure you choose the right course of action

All our advice is given FREE OF CHARGE and without obligation. We work nationally therefore we can come to you at a time and place convenient or if you are local you can come to our offices situated in Wakefield, West Yorkshire.

You really don’t need to suffer alone, we can your stress away from the moment you call..........and then you can get back to enjoying the hot weather!

For an informal chat please call me on 0800 4 96 95 94 or EMAIL