WANTING TO SELL YOUR BUSINESS BUT IT HAS A BAD CREDIT RATING? IF SO THEN READ ON!

Many business acquisition companies will only look to purchase companies with a clean credit history; wecanbuyyourbusiness.co.uk understands that in this economic climate there are not many businesses who can boast a great credit score.  They understand that some of your credit history may not be from cashflow or money management problems; many of the companies wecanbuyyourbusiness.co.uk visit have County Court Judgments (CCJs) which have simply been from disputes that have gone sour.  Their common sense approach means that you speak to a human being, someone with common sense and because each business is judged on an individual basis you may be happily surprised with their valuation!

To have an informal chat log onto their website and send an enquiry.  You will be contacted within 24 hours. 

ARE YOU WANTING TO SELL YOUR BUSINESS BUT DON'T KNOW WHERE TO TURN?

There are lots of reasons why business owners may choose to sell their business, it could be retirement or ill health or it may just be to release some equity that you have tied up in it. Wecanbuyyourbusiness.co.uk offers a unique service to business owners. The pivotal difference is that your business doesn’t have to be making a profit! They understand that in this uncertain economic climate many businesses are failing and can be a noose around many business owners’ necks. They ease the pressure and in turn reward you for the hard work that you have put in over the years.


Being in business can be tough. Many of the business owners they speak to have sacrificed so many things in their personal lives in the quest for their business to become profitable – the stress and pressure that this causes is immense and they understand that sometimes the burden can be too much; especially if the business is failing.

A business can be the biggest asset that people own and as such selling your business should be treated with caution. It is important that you speak to experts who can offer a professional and viable solution for you. Wecanbuyyourbusiness.co.uk has years of experience and have successfully acquired many businesses. Each acquisition is unique and they listen carefully to your wants and needs and a plan is made to ensure that you are completely happy with the outcome. If you are retiring then they understand that it may be important for the good name and reputation of your business be kept – this is understandable as you will have worked long, hard hours to build this up!

For more information or for an informal chat log onto the website and send an enquiry and you will be contacted within 24 hours.

STARTING A BUSINESS - BUSINESS PLAN

Finding a good accountant is imperative (your best option is normally to go with a personal recommendation from a trusted associate) but if you have a reasonable head for figures and can be brutally honest with the facts you could do your business plan yourself. After all you are best placed to know what you are going to sell and have some idea of the costs!


When starting a business it is important to be focused; a business plan, cash flow forecast and projection of sales is of vital importance. These will all help you to concentrate on the cost of sales and the overheads and how to achieve the best possible profit margin.

We understand the magnitude of what you are embarking on, it can be an exciting time but if your livelihood is dependent on it we appreciate the stress and worry that also follows. Because of this it is essential that you concentrate on cold hard figures and not to get carried away dreaming of spending the money that you haven’t earned yet. Becoming a member of Tenable Business Support Service will help you; we have templates for your cash flow forecast and business planner. These are all self-calculating and enable you to look at various different scenarios i.e. what you expect as a month on month growth or if you want to air on the side of caution you can look at the worst case scenario. Either way these templates give you the flexibility to experiment without pressure from an accountant and in turn save you money that you haven’t earned yet in the short-term! As I am sure you are aware a business plan is purely hypothetical and is based on your knowledge and research of the present trading climate within your chosen industry.

Other factors you need to consider whilst creating your business plan is will your business be eligible for Value Added Tax (VAT)? If it will have you costed for it and when will it become payable? Have you thought about what you will do for wages? Will you be working a Pay As You Earn (PAYE) scheme? If you are when will this become payable?


The self help pages in the member login area of the Tenable Business Support Website are designed to help you to be self sufficient in creating your business but don’t forget that when joining Tenable Business Support Service you have access to your own account manager during the day and evenings as well, seven days a week!

To find out more information about joining Tenable Business Support Service call 0800 4 96 95 94.

BUSINESS OWNERS!!!!!!!!!!!!!!!!!!!!

BUSINESS OWNERS!!! Stop what you’re doing and read the next 30 seconds could change your life....and your finances!


Are you fed up of the early starts and late finishes? Do you feel it’s time that you reaped the rewards of the business you dedicated your time to? If so then log onto Wecanbuyyourbusiness.co.uk. Wecanbuyyourbusiness.co.uk is a unique, professional and discreet service offered to business owners. Why not send an online enquiry and have an informal chat? You may be surprised by our generous offers!

So what have you got to lose?
Log onto wecanbuyyourbusiness.co.uk for more details and to receive a valuation within 24 hours.

Wecanbuyyourbusiness.co.uk - Any business, any age, any size

IN NEED OF CASH QUICK?

Have you been trawling through the internet in a desperate search for an unsecured personal loan? If so you will have come across many sites – how do you know if they are a reputable unsecured loan company? This can be very difficult, especially if you have bad credit (including defaults and CCJs). You may have come across companies such as YES Loans who promise you the earth for a fee of £69.50.


Fast4cash is a new site which promises to help you find a solution to your money needs without needing to pay a broker fee! They can help you even if you are a tenant, have CCJs and Defaults and even if you are unemployed/self-employed.

The application process is simple and can be done discreetly online.

Click onto Fast4cash to receive a quick decision

HOW TO LEGALLY REMOVE COUNTY COURT JUDGEMENTS (CCJs) FROM YOUR CREDIT FILE!

A County Court Judgment (CCJ) can cripple your credit your credit file and can make it impossible to get credit – this doesn’t just mean getting a new car or a loan but can ruin have a negative impact on getting a new mortgage deal. CCJ’s aren’t just received by people who have been frivolous with their money, they can be disputes gone sour or can be obtained through no fault of their own for redundancy or change in circumstances. The current economic climate means that more and more people are finding themselves in this kind of financial quandary.


It can be very frightening when court papers land on your doorstep – especially if you have never seen them before; they can be very confusing and there are all sorts of different deadlines. Our first recommendation would be not to panic and to seek professional advice; this doesn’t have to be costly and can save you a lot of problems in the future. You may be aware that if you pay the balance of the CCJ within thirty days of the CCJ being registered then it can be removed without a trace – if you settle after this period then although it will be marked as ‘satisfied’ it will stay on your credit file for six years. If you can settle the full balance within the thirty fantastic! You don’t have a problem. If you can’t settle the debt in full you may think there is nothing you can do other than pray that for the next six years you do not need any form of credit! If you do then you are wrong; but be very careful as there are many companies declaring they can ‘clean up your credit’ – the truth is this is impossible BUT we can genuinely help you to get the creditor to agree to remove the CCJ – we can do this on your behalf.

Our unique, completely legal, tried and tested method can work even if you cannot pay the balance in full. We can negotiate with your creditor in a partial settlement or even that you will pay in instalments and get it removed - It can even be used on old CCJ’s!

If you would like to have an informal chat on how we could help you to remove any of your CCJ’s then please do not hesitate to contact us.

PERSONAL DEBTS.........

Financial problems can cause a vast amount of emotional stress, it can put a strain on families and it has even been cited as the reason for many relationship breakdowns.


Many people are ashamed of debt, they hide their problems from their loved ones in the hope that it will somehow vanish; burying their head in the sand is only a short term solution. It is difficult to hide from your family when bailiffs are knocking at the door! Tackling debts head on is the only way to deal with them and as the old saying goes “a problem shared is a problem solved”!

The first step is to do a good old fashioned budget, write down all the household incomings and outgoings (not including debts) and see where cuts can be made, the amount you can afford to pay to your creditors is the figure left when you deduct your outgoings from your income.

Pure Financial Management understand that it can be quite daunting to attempt to try and negotiate with your creditors, if I am honest most creditors do prefer to deal with a third party as this proves that you are serious about clearing your debts. Pure Financial Management specialise in offering a debt consolidation plan, not dissimilar to a debt management plan but it has a term and once your term is ended you are debt free!

Pure Financial Management understands that everyone’s situation is different; our account managers are specially trained to find a solution that is right for you. You can apply online or over the phone. We also appreciate that many of our clients work and are busy therefore we offer an email support.

If you would like more information or for an informal chat please do not hesitate to contact Pure Financial Management on 0800 4 96 95 94

CONSOLIDATION LOANS....ARE THEY YOUR BEST OPTION?

There are so many people scouring the internet as I write this deperatley searching for a consolidation loan. They are struggling with existing credit agreements and believe that having one monthly would solve all of their problems. In their search they are targeted by unethical loan broker companies who charge extortionate fees (normally £69.50) to offer a guarantor loan OR debt counselling!


What they don’t realise is that getting a loan in this day in age (even with a good credit rating) is almost impossible. So if they can’t get a consolidation loan......what can they do?


The answer to this is simple; they can arrange a debt consolidation plan. This a fantastic way to utilise monies already borrowed to their own advantage. All of their unsecured debts (including payday loans, loans, credit cards, store cards, catalogues etc) are added together (like a consolidation loan), you pay Pure Financial Management one affordable monthly payment and they distribute it between your creditors. This means that all the harassing phone calls stop, the nasty letters cease and you are free to regain financial freedom!

Once Pure Financial Management have received up-to-date balances from their creditors they will give an exact term for the plan. This will be the time that it will take to become debt free!

If you would like to have an informal discussion, or a quotation please give them a call on freephone

0800 4 96 95 94 or EMAIL

THE TRUTH ABOUT CONSOLIDATION LOANS AND £69.50 BROKER FEES!

Applying for a Consolidation Loan may seem like a quick fix, especially when you have numerous creditors and arrears. The truth is if you have arrears, defaults and CCJs these loans are non-existent - many people are taking the desperate measures of paying these so called “brokers” a fee (normally £69.50) in the hope of finding a solution. Once you have paid this money you will normally be issued with an application form to apply for a guarantor loan or offered debt counselling. The Office of Fair trading are investigating these various brokers but in the meantime they continue to take these unlawful broker fees from desperate people!


There are other options available. You may have not considered the fact that a Debt Management Plan (DMP)may be the best option – it can instantly stop the worry and you are paying your debts with one affordable payments as opposed to borrowing more money.

For example, if your total debts totalled £6825 and we were made up of loans, catalogues and payday loans etc and you could comfortably afford to pay £175. This would mean that you would be debt free in 49 months. The amount you pay per month depends on what YOU decide therefore if you could pay £250 per month you would be debt free in 35 months.

A DMP is a convenient way to pay your debts and to stop the harassment from creditors. You pay your monthly instalment to us on an agreed date each month and we distribute the payments between your creditors. We negotiate with them to ensure that the harassing phone calls stop and they stop adding late payment charges and interest.

If you have fallen foul of the “broker” fee we can help! Our debt advisors will assist you in getting a refund within 28 days (although the brokers are allowed to deduct a £5 admin charge). This is all in our service.

If you would like to have a friendly, informal chat about how Pure Financial Management could help you – please do not hesitate to get in touch.

0800 4 96 95 94 or EMAIL

CREDIT CARD WRITE-OFFS INCREASE

As seen on the BBC News website today there has been a further rise in the amount of credit card debts being written off by UK banks and other lending institutes.


Bank of England figures show that in the first three months of 2010 write-offs rose to £1.25bn. That was the second highest quarterly amount on record. Last year, a record £4.12bn was written off by credit cards lenders which amounted to 10% of all money lent on credit cards.


£160m was the amount of money written off on mortgages which is the lowest quarterly figure for 18 months. The number of repossessions in the UK also fell by 7.5% in the first quarter of 2010 to 9800.

The Bank of England have been quoted as saying that these losses have been the prime factor in the increase on the interest payable. Statistics show that the average UK credit card rate was 15.51% in April this year which is slightly higher than July 2007 where the rate was 15.2%.

PURE DEBT SOLUTIONS APPEAR TO BE UP TO OLD TRICKS!

It looks like Pure Debt Solutions are up to old tricks!  This time they appear to be making unsolicited cold calls to individuals.  If you have stumbled across this blog whilst searching for information on Pure Debt Solutions then I recommend that you report the company to TPS (Telephone Preference Service) - they can be contacted on 0207 2913320 - although the calls are annoying try and take as many details as you can about them (such as address, telephone number) as this will help TPS take action.

Tenable Solutions Limited does run a debt management company called Pure Financial Management but we do not have an outbound sales team.

Last year we had calls from worried individuals who had paid money to Pure Debt Solutions for a Debt Management Plan which didn't exist, it appears now they are looking for new clients with their abhorent sales techniques!

If you do have concerns about personal debts and would like some friendly, impartial advice then please do not hesitate to contact me.

0800 4 96 95 94 or EMAIL

HMRC Debts

Many people are still not aware that HMRC (Her Majestys Revenue & Customs) are NOT preferencial creditors.  Simplified this means that they do not have any preference over any of your other creditors and should be dealt with in the same way.  The only difference with HMRC is that they can and will use effective methods in which to collect monies owed.  This could be by issuing a CCJ (County Court Judgment) followed by visits from bailiffs (and don't forget if your premises are solely commercial they can enter without permission) or even a Winding-Up Petition.  This information is not meant to scare you but to make you realise that you need to tackle your debts head on - the debts will not go away.

You could contact your creditors yourself and try to organise a payment plan but you need to be very careful that you do not show preference to any creditor, you also need to ensure that you payments are realistically affordable and not just a random figure given as a knee jerk reaction.  This is very time consuming and you may find that whilst you are negotiating with your creditors (who will play hard ball to get as much money from you as possible) you are not spending the time required earning money for your business.  It's a chicken and the egg situation!

There are lots of solutions available and of course, your situation will be unique to you therefore it is imperative that you recieve the best advice possible from a company that will work solely on your behalf.  Ensuring that your needs are met and that you are fully protected before your creditors recieve anything!

If you would like to have an informal chat on how Tenable Solutions Limited and its subsiduaries can help you please do not hesitate to contact me on 0800 4 96 95 94 or if you prefer you can email me for a speedy response.  Any contact is treated in the strictest of confidence and all advice is given without obligation.

PERSONAL GUARANTEE (PG)

At the time signing a personal guarantee (PG) for that product that you really needed to help your business seemed like a great idea.  It was, until the day came when your business failed and you realised that you are now personally liable for a debt you cannot afford.

The first thing you need to do is not panic, no matter what the size of the debt.

Tenable Solutions Limited are experts at (pardon the cliche) "thinking outside the box", possibly giving you options you hadn't even considered.  Our sole aim as a company is to put our clients needs first, ensuring that they are protected.

If you have been stung by a Personal Guarantee why not give us a call to discuss your options?  The call is free and so is any initial advice!

0800 4 96 95 94 or EMAIL

THE TRUE COST OF DEFENDING A WINDING-UP PETITION....

If a creditor has issued winding-up proceedings against you company I am sure you will have be inundated with communication from various recovery organisations.  One of the first questions that we are normally always asked is in relation to cost. The general cost for Tenable Solutions Limited to defend your Winding-Up Petition is as follows:-
• First petition £500
• Second petition £750
• Third petition £1000
The above prices not only reflect representation at court to defend the Winding-Up Petition BUT includes our unrivalled after care service. Generally, a Winding-Up Petition signifies other problems; you may also have other creditors who are pressing or you may be simply having a “blip” in your cashflow. Whatever your issues we can help! Our main aim is to put you back in control of your business and to have a positive, profitable future.
Our record for defending Winding-Up Petitions is exemplary, we have an expert in-house legal department and this enables us to keep our costs to a minimum unlike other firms and indeed solicitors.
We understand the importance of your situation and want to make sure that you make the correct decisions at such a crucial crossroads in your business and as such we offer a free, confidential consultation. This could even be used as a second opinion for advice that you have already received.
We understand that the majority of business owners do not work “9-5” and as such we have an OUT OF HOURS SERVICE, a consultant will be on hand until 9pm in the evenings and on a weekend - this number is 07595 793236. Alternatively if you would like an informal chat during office hours or to arrange a FREE, no obligation consultation then please call do not hesitate to contact me on free phone 0800 4 96 95 94 or email

PHONE SITUATION UPDATE

13.30pm 20 May 2010....our phone lines have now been fixed and normal service resumes.  Sorry if this has caused anyone any inconvenience.

PROBLEM WITH THE PHONES!

Since the afternoon of Tuesday 18 May 2010 we have been experiencing problems with our phone lines.  A BT engineer visited yesterday and was unable to deal with it so we are now waiting for a BT Openworld engineer.  Hopefully this should be today!

If you have a query or you are an existing client please contact us via email or telephone 07595 793236 / 07951 145172.  Please leave a message should there be no answer.

COST EFFECTIVE DEBT COLLECTION!

There can be many reasons why businesses experience difficulties during a recession; your business may be successful it may just be struggling due to other people / businesses owing you money. Debt collection is a minefield! There are many misconceptions in this area and not many businesses know how to collect debts effectively, for the minimum cost and effort.


The words “debt collection” comes with a lot of stigma. Over the past few years this industry has been tarnished due to unlicensed companies (we hold a fully up-to-date consumer credit license; this allows us to legally collect debts). This makes it difficult for people to know where to turn when they need to collect a debt and many turn to their / a solicitor but this accrues large legal bills and you can end up spending more than the debt!

We are proud to say that we use effective AND lawful techniques to collect debts whether they are commercial or personal. Many debtors are using the current economic climate as an excuse for the debt and on the back of this are offering token payments in respect of their debts. We work solely for you and we will work with you to find a repayment that suits you – if this cannot be adhered to there are other options available which you may not have considered. If the debt is owed to you by an individual you could have a charging order placed on their property – this would mean that you hold a charge on their property and it would need to be paid prior to the sale of a house in the same way their mortgage would. Another option could be issuing a Stat Demand for bankruptcy; this is a very, very effective way to collect a debt especially if the debtor has assets or is afraid of the publicity that bankruptcy brings! You could even do both – this would mean that if the bankruptcy was granted you would still hold a charge on the debtor’s property. If the debt is owed to you by a company then there are also various routes you can go down, a petition can even be issued to “wind-up” the company.

Of course the above options are examples; your individual case would be assessed and then you would be advised on the best course of action. One thing is for certain though – we do not send numerous letters to the debtor in the hope that at some point they make contact. We use all our knowledge and facilities to get your money back and recover your costs.

If you would like to discuss how Tenable Solutions Ltd can assist your company please do not hesitate to give me a call for an informal chat.

0800 4 96 95 94 or EMAIL

JARGON BUSTING - THIRD PARTY DEBT ORDER

The cost to apply for a Third Party Debt Order is £100 (correct as of April 2010) and to apply you need to complete form N349 which is downloadable from the HMCS website.



It can be a very effective tool in collecting debts but it is quite complex.


Firstly, you need to have secured a CCJ against the debtor and the debtor needs to have either:-

a) Not paid the CCJ within the given timescale (by the court)


b) Not kept up to instalments


Once you have completed the Third Party Debt Order the court will freeze the debtors bank account and issue a date for a hearing. The debtor would be given no prior warning and would simply not be able to access any funds (and no funds will be able to be paid in), as with everything the debtor would be given the chance to appeal. At the hearing the judge would decide whether to grant the order and indeed pay the creditor from the funds held in the bank account.
This may all sound simple BUT there are several things to consider such as:-


• Not possible on a joint bank account unless both account holders are liable for the debt


• Only available if the debtors bank (head office) is in England or Wales


• The date is very important i.e. you need to be sure funds are in the account to cover the debt.


• If for example the CCJ is for £2000 and there is only £1999 then you would not get anything.


If you would like any advice on effective debt collection then please do not hesitate to contact me.

MORTGAGE BROKERS! WOULD YOU LIKE TO EARN AN EXTRA INCOME FOR FREE?

The past twelve months have been a learning curve for all businesses; many are tightening their belts in order to ride the financial storm and looking at different ways to increased profitability. Business recovery and turnaround is one of the few industries to thrive in a recession, we have a large client database and a plentiful lead source and we are giving businesses nationwide, the opportunity to “bolt on” business recovery and turnaround to their business.

We would like to invite you to a short, informal, free seminar these are held at our offices in Wakefield, West Yorkshire – courses are run weekly, during evenings and at weekends too. The seminar will give you the opportunity to ask any questions that you may have, discuss the range of packages available, to meet the team and to meet like-minded people who wish to increase profitability and to expand their business.

Once you have decided that you would like to join your business with Tenable Solutions Ltd, our IT department will (if required) set up your own personal website, this will hold your own contact details. You will also be set-up with your own unique telephone and fax number. Our marketing team will provide you with all of the marketing support that you need and can arrange for effective, local advertising in your area along with setting up and advising on internet marketing such as blogs, twitter, facebook etc.

One question that many people at the seminar ask is with regards to insurance, as this can be costly and time consuming. We are fully insured (professional indemnity), hold all of the correct licenses and you will be covered by Tenable Solutions Ltd at no expense.

We offer services which far out rival any of our competitors; all of our services are under one roof – nothing is outsourced. This enables us to keep our costs low and to be able to provide an unrivalled, cost-effective service for our clients. We also offer Tenable Business Support Service; this is available to all businesses – not just the ones struggling. Pure Financial Management is another company within our portfolio; this offers personal Debt Management Plans for individuals struggling with repaying their debts. Another branch of our company is business acquisitions, this is a unique concept within our industry and if the business is in your area or brought to the table by you / your sources then you will be guaranteed a shareholding.
From the brief little insight I have given to Tenable Solutions Ltd I am sure you will now appreciate how our consultants are earning in excess of £60,000 per annum. We have an experienced, professional, internal sales team that generate leads – using trained professionals ensures that all leads are genuine and qualified and that all the information is current and up-to-date.


Should you wish to discuss this matter further or would like a place reserving please do not hesitate to contact me.

0800 4 96 95 94 or EMAIL

Testimonials......

Have you seen our new testimonials page on our website?  These are all 100% genuine cases and we are proud to sing our own praises!!!

FREE NEW BUSINESS SEMINARS......

Starting a business at any time can be tough but unexpected events such as redundancy may have left you no alternative but to “go it alone” on the crest of the recession. There are so many decisions to make and so many different avenues for you to explore that it can be challenging to know where to begin.


For the past six months we have successfully been holding free, short and informal monthly seminars for people who have made the decision to brave the storm, decide their own future and set-up their own business. The content of the seminars vary dependant on the attendees and the topics covered can be decided by you.

Some of the topics that attendees have previously wanted to look at are:-

• The difference between sole-trader and limited and the pros and cons
• Protecting assets
• HMRC and how to ensure you are compliant
• VAT registration
• Accountancy advice
• Marketing – online / offline
• Sourcing funding
• Federation of Small Business / Chamber of Commerce membership pros and cons
• Employing staff
• Cashflow


You may be wondering why we run these FREE seminars; the answer to this is simple! Tenable Solutions Limited specialises in business recovery and turnaround. Day in day out we see the mistakes that many people make and IF the worst happens and the business wasn’t set up correctly it can result in expensive legal costs and people losing assets such as their homes etc. We actively encourage business owners to be pro-active in their business and as such we formed Tenable Business Support to avoid any problems that may occur further down the line.

To reserve your place on our next free, informal monthly seminar please contact me on 0800 4 96 95 94 or EMAIL me.

THE TRUE COST OF DEFENDING A WINDING-UP PETITION......

If you have recieved a Winding-Up Petition then I am sure you will have received lots of communication from various different organisations. Please don’t disregard this blog as we genuinely can help you and it won’t be as costly as you may think!


One of the first questions that we are always asked is in relation to cost. The general cost for Tenable Solutions Limited to defend your Winding-Up Petition is as follows:-

• First petition £500
• Second petition £750
• Third petition £1000

The above prices not only reflect representation at court to defend the Winding-Up Petition BUT includes our fantastic after care service. Generally, a Winding-Up Petition signifies other problems; you may also have other creditors who are pressing or you may be simply be having a “blip” in your cashflow. Whatever your issues we can help! Our main aim is to put you back in control of your business and to have a positive, profitable future.

Our record for defending Winding-Up Petitions is exemplary, we have an expert in-house legal department and this enables us to keep our costs to a minimum unlike other firms and indeed solicitors.

We understand the importance of your situation and want to make sure that you make the correct decisions at such a crucial crossroads in your business and as such we offer a free, confidential consultation. This could even be used as a second opinion for advice that you have already received.

We understand that the majority of business owners do not work “9-5” and as such we have an OUT OF HOURS SERVICE, a consultant will be on hand until 9pm in the evenings and on a weekend - this number is 07595 793236. Alternatively if you would like an informal chat during office hours or to arrange a FREE, no obligation consultation then please call do not hesitate to contact me on free phone 0800 4 96 95 94, or you can email me.

THE LAW ON WATER DISCONNECTION...............

Section 7 of the Water Industry Act [1999] prohibits the disconnection of residential water supply. This extract is from the explanatory notes from the act, which explains it more clearly:

Disconnection
7. Until now, if consumers did not pay their water and sewerage bills, water companies had the power to disconnect the supply. Water companies also argued that they were not prohibited from restricting the amount of water available for a consumer's use if they did not pay their bill. The Act removes the power to disconnect water supply for non-payment, or to limit the supply with the intention of enforcing payment, from a list of different premises. These premises are private dwelling houses, caravans, houseboats, houses in multiple occupation and sheltered accommodation (where these are someone's main home) and children's homes, residential care homes, prisons and detention centres, schools, premises used for children's daycare, institutions of further and higher education, hospitals, nursing homes, GPs' and dentists' surgeries (including surgeries set up as primary care pilot schemes) and premises occupied by the emergency services.

If you are having problems with arrears with any utilities (either commercial or domestic) do not hesitate to give me a call for some friendly, impartial advice.

0800 4 96 95 94 or EMAIL

TESTIMONIALS NOW ADDED TO WEBSITE!

We feel that adding a testimonials section to our website gives confidence to potential new clients.  Within our industry there are so many "cowboys" and we are working hard to prove that we are unique in the service that we provide!

On completion of a case each client is sent a satisfaction questionnaire, this asks for positive and negative comments and we have been happy with the results! 

To have a look at the wide variety of testimonials recieved click here!  As you will see all company names have been removed in accordance to the Data Protection Act 1998 and to protect our clients integrity.

Enforcing a CCJ in Scotland

Scottish Law on debt enforcement is different to English.

If the debtor lives in Scotland but the claimant is in England a CCJ can be sought at an English County Court. Once the judgment has been issued it then needs to be registered in Scotland.

To do this a covering letter, with the judgment and a cheque for £10.00 needs to be sent to:-

Registers of Scotland
Erskin House
68 Queen Street
Edinburgh
EH2 4NF
Tel: 0131 4793630

The claimant will then receive a “black booklet” back; this means the judgment has been registered and can now be enforced.

To enforce the debt you need to contact a Sheriffs Officer local to the debtor, they will then (after paying a fee, generally around £62) serve a charge for payment on the debtor. This orders the debtor to pay the full balance plus costs within 14 days.

If the 14 day passes and the debt hasn’t been paid then there are various option available such as bank account arrestment. All of these incur further costs and each individual case is different and would need to be discussed.

If you have a query relating to this and would like to discuss matters further, please do not hesitate to get in touch.

EMAIL or call 0800 4 96 95 94

VALIDATION ORDER....

If you have been issued with a Winding-Up Petition your bank account will be (if not already) frozen. This will mean that you are unable to use the funds in your bank to pay bills and wages etc. This can be a crippling time for any business even if they have the funds to pay the petition.

There are things that can be done, a Validation Order is one of them. This enables the business to utilise the funds in the bank.

It is complex but we can assist you.

If you would like any advice on validation orders then please contact me.

EMAIL or call 0800 4 96 95 94