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

WANT TO SELL BUT CAN'T AFFORD TO?? THINK AGAIN.........

The credit crunch looms and more people are forced to TRY and sell either their business or their home; this maybe to release equity or even just to minimise expenses. There is often one snag – the fact that you have to pay out unaffordable amounts to advertise your house / business. This leaves many people getting further into debt in the hope that they will recoup it after the sale. There is now another answer.......why not do it for FREE?

Montague Lloyd are basically cutting out the middle man hence being able to offer you the service FREE OF CHARGE!

You decide exactly what you want to put; you do this in your words and you can even add images – you can also decide how you wish to be contacted by prospective buyers. The interested parties will then contact YOU direct and you can arrange an appointment at a time to suit you.

This will save you thousands! Which in this day in age can you afford not to?!

To advertise your business / home or for more information CLICK HERE

ARE YOU BEING BULLIED DOWN THE INSOLVANCY ROUTE?

So many of our customers come to us for a second opinion. Generally the first lot of advice they receive steers them down the route of insolvency, this is normally because of the lucrative fees the company can make out of them! They have no morals in finding the correct solution to the persons problems and all they see is pound signs!

We differ because we look at things from a different perspective. For example only a small percentage (around 2%) of customers who call us end up in a CVA.

Our advice doesn’t cost you anything and you are not obliged to act upon any advice given. We excel as a company because customer service is paramount, we will always be honest and ethical in our advice.

So, if you would like a second opinion on any advice you have received contact me today:

0800 4 96 95 94 or EMAIL

THE FUTURE'S BRIGHT.........THE FUTURE IS PURE!

Due to increasing demand Tenable Solutions Limited have recently launched their own brand of debt management under the name of PURE FINANCIAL MANAGEMENT.

A lot of our clients have informed us that they have received bad service from various different debt management companies. We therefore decided that there was a niche in the market for a company who is entirely customer focused. All our staff are implicitly trained and customer service is paramount.

PURE FINANCIAL MANAGEMENT can help you if, as many people are in this day in age, are struggling to meet the minimum repayments on credit cards, loans, catalogues and store cards. A debt management plan is an informal agreement between you and your creditors. With one simple call all your worry and pressure can be taken away as PURE FINANCIAL MANAGEMENT negotiate with creditors on your behalf.

They liaise with all your creditors – asking them to freeze interest and to accept a lower monthly payment. You will also be assigned your own personal account manager who will be on hand to answer any questions you may have. You will pay one monthly amount and PURE FINANCIAL MANAGEMENT will distribute this between your creditors.

If you would like to learn more about PURE FINANCIAL MANAGEMENT then you can call me on freephone 0800 4 96 95 94 or EMAIL.

Remember, no matter what your worries are – there is always a solution!

COMMERCIAL TENANTS CAN NOW FIGHT THE RECESSION!

I am sure if you take a trip down your high street you will see numerous shops shut down with “to let” signs outside. Not since the recession of the early 1990’s have we seen as many retail casualties; Reduction in overall sales / profits mirrored with over-inflated rents mean more tenants are closing their doors, independent retailers seeing the heaviest fall in sales. It is anticipated that things will only worsen as consumer spending collapses further and there will be several years of negative rental growth.

The booming property market has brought about long leases with infrequent or upward-only reviews and this leaves many tenants either “sweating it out” or shutting up shop. There is now an answer for those tenants who find themselves in this position.

We specialise in rental reformulation and lease restructuring. We have a highly skilled team who have a proven track record in mediating on behalf of tenants with a genuine need for improved lease terms. We have a wide understanding of landlord / tenant issues and try to benefit all parties by avoiding tenants facing financial crises and landlords with empty units that they are unable to fill! We exhibit genuine needs for tenants to improve their terms during this period of uncertainty and present undeniable cases to landlords on behalf of those tenants.

If you feel that you would like further guidance on this issue please do not hesitate to contact me.

0800 4 96 95 94 or Email Lucy

ARE YOU GETTING THE CORRECT ADVICE???

I am astounded by the conversation i have just had. A client who was looking at bankruptcy had been advised by someone to sell his property and his car to his father for £1 before booking his hearing in order to protect his assets.

How irresponsible and incorrect is that? The Official Reciever would pick up on thsi straight away!!

If you are struggling and feel bankruptcy is the only option - why not get the correct advice?!?

Call me on freephone 0800 4 96 95 94 or Email

WHAT MAKES US SO FANTASTIC?!?!?

If your company is struggling I am sure you will have received lots of communication from various companies offering their services to help you. We like to think that we are different from other companies within our industry; firstly the biggest difference is we work for YOU and not on the behalf of anyone you owe money to. Your situation will be fully and professionally assessed without necessarily proposing an IVA/CVA or bankruptcy. We look to find a solution that suits your individual situation, not one that automatically takes you down the road of insolvency.

We excel as a company because we look at your situation from a different perspective, have those bailiffs acted within the law? Is that finance agreement unenforceable? Are those charges fair? Is that CCJ genuine or can it be set aside? Who owes you money? Once we have the answers we can advise you what your next step should be and look at formulating a plan. Regardless of the situation you find yourself in YOU are still in control of YOUR business. We will not bamboozle you with insolvency jargon; we speak in a language that you will understand.

We understand that it can be quite daunting when you realise your business is experiencing financial difficulties, especially when you have worked hard to try and make your business succeed. Creditors can be quite fickle at times; just when you think you have a payment plan they issue a CCJ without warning, putting all your other payment plans in jeopardy. Acting quickly on these matters is the key to both success & survival.

Listed below are just some of the issues we can help you with:-

· HMRC problems – have you been compliant?
· Creditor pressure – are you being harassed?
· CCJ’s – we offer a free helpline / free advice.
· Protecting assets – a director’s loan account does NOT give protection.
· Winding-Up Petitions / Orders – we offer a free helpline / free advice.
· Bankruptcy – we offer a free helpline / free advice
· Debt Collection – make sure you choose the right course of action

With combined experience of over 60 years, we have a wealth of knowledge and expertise that can help you overcome any hurdles in your way.

If you would like to have an informal chat about how we can help you can call me on freephone

0800 4 96 95 94 or EMAIL

FRIDAY! LAST DAY OF WORK......FOR SOME ANYWAY!!!

We know that the majority of business people don't work "9-5", because of this we have an out of hours service. A consultant will be on hand until 9pm daily. If you do feel that you could do with some friendly, informal advice you can call a consultant direct on 07595 793236.

Just some of the things we can help with are:-

• Creditor Pressure
• HMRC Problems
• Dissolution
• Winding-Up Petitions / Orders
• CCJ's
• Selling your business

Of course if you want to speak with me direct you can call me during office hours on:

0800 4 96 95 94 or email

DID YOU KNOW THIS ABOUT HMRC?

Were you are aware that HMRC lost their preferential status for debts accrued after 15 September 2003? This was abolished under the Enterprise Act 2002.

If you are struggling with ANY business debts and would like some friednly informal advice give me a call or email me.

FREEPHONE 0800 4 96 95 94 or EMAIL

ARE YOUR COMPANIES ASSETS PROTECTED?? IF YOU HAVE A DIRECTORS LOAN ACCOUNT THEY PROBABLY AREN'T!

Did you know that a Directors Loan Account does NOT give protection to your assets if your company fails? A lot of people don’t know this and are under the pretence that they are covered. If you have a Directors Loan Account and your company fails you will just be treated like any other unsecured creditor and as such cannot give yourself preferential treatment!

If you would like to learn more about protecting your assets then give me a call.

FREEPHONE 0800 4 96 95 94 or EMAIL

WINDING-UP PETITIONS! IT ISN'T THE END!

Today i have been advising someone who had recieved a Winding-Up Petition from the court. Obviously when they recieved it they were panic stricken; problems had been building up over the last 6 months and they had been burying their heads in the sands and trying to keep their heads aflot by "robbing Peter to pay Paul" - only trouble was "Peter" had run out of money!

A creditor had finally had enough and decided to issue a Winding-Up Petition.

What people don't realise is that a Winding-Up Petition doesn't have to mean it is the end of your business - you just need to get the right advice!

If you would like a friendly, informal chat about any problems your business may be facing then call me on FREEPHONE 0800 4 96 95 94 or EMAIL

Sunday - day of rest..........and no post!!!

The last day of the weekend......have you got that sickly feeling that the phone calls and letters start again in the morning?!?! Lots of companies suffer from creditor pressure, this may just be due to a "blip" in cashflow or even that you have lots of bad debts that you can't chase in.

If you do feel that you could do with some friendly, free advice then give me call.

FREEPHONE 0800 4 96 95 94 or email LUCY

DO YOU KNOW THE SECRET?

I am sure everyone this year is wondering whether they will be able to afford a holiday. I have been scouring the internet for the last four weeks trying to find some cheap flights and i have found a site which i thought i would share with everyone.

Basically, this is "Secret Flights" which is an initiative by Lastminute.com. Have a look for yourself and see if you can bag a bargain and give yourself a well deserved break. TOP SECRET FLIGHTS

I appreciate that some people still may feel they cannot afford a holiday, maybe your company is suffering from creditor pressure or you are having cash flow problems.

Why not give me a call, we can help!! Let us take away your stress and put you back in control of your companies finances.

0800 4 96 95 94 or email Lucy

KNOCK, KNOCK! THE BAILIFFS ARE COMING.........

Yesterday seemed to be the day that everyone was having problems with BAILIFFS! I was inundated with calls from people worrying that they’d had a letter from a bailiff firm or that the bailiffs were calling. Understandably they were all worried!

The thing with bailiffs is to remember that they have no real power and that you do NOT have to let them in, no matter what they tell you! If they do turn up don’t panic, stay calm and speak to them outside (closing the door behind you) or from a window. Don’t be intimidated by them.

If you are having problems with bailiffs and would like some friendly advice then give me a call on:

Freephone 0800 4 96 95 94

Or Email LUCY

FREE CCJ HELPLINE

Probably due to the decline of the economy over recent months I have noticed a significant increase in the number of companies (Limited, Sole Traders, Partnerships etc) being issued with County Court Judgements (CCJ).

Some may be valid but others can be because of a dispute - whatever the reason once issued they are on your credit file! Do you know what to do if you get one? Do you know how to buy yourself more time? Or what your options are? How to dispute it? How to get it removed? Or even how to offer payment if you cannot pay in full?

We have set up a FREE CCJ HELPLINE, it is a freephone number where you can recieve expert advice over the phone on what to do next and how to cope!

Whatever your questions, give me a call and i will offer friendly, unbiased, expert advice all for FREE!

0800 4 96 95 94

or email lucy