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Tips & Advice You & Your Business

Year

Issue 22 - 23.09.2009
- 1. More laundering
- 2. A cheaper debt recovery option
- 3. Do you need to register your waste packaging?
- 4. The trouble with employing family members
- 5. Avoiding the entertainment tag
- 6. Directors’ help with health and safety at work
- 7. P11Ds and your 2009/10 tax code
- 8. One cigarette costs a director £265
- 9. Laptops break data protection laws
Issue 21 - 10.09.2009
- 1. Is swine ‘flu a “force majeure” event?
- 2. How to avoid wrecking your company’s credit rating
- 3. Public contracts for small companies
- 4. More pension plan changes
- 5. What (not) to say to the fire inspector
- 6. Tax deductible entertainment
- 7. Must you protect employees from swine ‘flu?
- 8. Companies House overload
- 9. New tax penalty rules now apply
Issue 20 - 15.07.2009
- 1. Do companies need PROOF?
- 2. New data protection guidance
- 3. Darling’s extra dividend duty
- 4. Business directory scam warning
- 5. Disapproving of approved mileage rates
- 6. Is a statutory demand the answer?
- 7. Directors’ tax returns
- 8. Important rate changes on October 1
- 9. Get a European Health Insurance Card
Issue 19 - 01.07.2009
- 1. Who’s liable for an employee’s injury?
- 2. Tax allowances for two wheelers
- 3. The Enterprise Finance Guarantee
- 4. Don’t blow your fire insurance cover
- 5. What is “reasonable notice”?
- 6. Be prepared for battle on IR35
- 7. Dealing with recruitment agencies
- 8. Did you submit a directors’ report?
- 9. Potential scam warning
Issue 18 - 17.06.2009
- 1. A new interest charge
- 2. Unfair interest charged on credit cards
- 3. Same job, same hours, same pay, less tax!
- 4. Reducing your legal bills
- 5. Are your liabilities limited?
- 6. What’s a reasonable adjustment?
- 7. RIP higher rate tax relief on pension premiums?
- 8. What’s on your company laptops?
- 9. Can you trust a trader?
Issue 17 - 04.06.2009
- 1. First company manslaughter case
- 2. When is paying tax a benefit?
- 3. Companies behaving badly to get ASBOs
- 4. New law signals tougher line from Companies House
- 5. Fiddling the expenses system
- 6. Beat the VAT rate increase
- 7. Are you banking on your mobile phone?
- 8. New CO2 emissions rates
- 9. Employment contracts worthless
Issue 16 - 20.05.2009
- 1. Deferring business rates
- 2. Budget 2009 - the important changes
- 3. Cutting the banks out of lending
- 4. Property investment to pay for further education
- 5. Clearing out poor performers
- 6. HMRC benchmark scale rates for subsistence
- 7. Can’t claim interest - it’s wrong!
- 8. Further extension for tax relief on losses
- 9. £1,000 grants for training
Issue 15 - 07.05.2009
- 1. What’s a pre-pack?
- 2. Backing out of an unsuccessful franchise
- 3. Earning interest from your company
- 4. Taking extra care with health and safety
- 5. Topping up your income with a USP
- 6. Mediation in the workplace
- 7. Taxman rings the changes on time limits
- 8. You must have a HIP to sell
- 9. Q&A - damage to company vehicle
Issue 14 - 23.04.2009
- 1. Flexible working rights extended
- 2. The hidden advantages to benefits
- 3. Scam alert - training doesn’t exist
- 4. Getting caught for jury service
- 5. Can you always rely on a non-waiver clause?
- 6. Is a loss worth something to your company?
- 7. Turning a blind eye will breach your duty
- 8. Forms P46(Car) - new rules
- 9. Mortgage problems - or not?
Issue 13 - 08.04.2009
- 1. Reclaiming unfair bank charges
- 2. How far can you push your customer?
- 3. Avoiding tax on company mobile phones
- 4. Maternity leave and redundancy
- 5. Worth signing up to the Prompt Payment Code?
- 6. Dangers of buying personal data
- 7. Taxman’s new enquiry powers
- 8. VAT and temporary staff
- 9. Don’t get caught out by counterfeit coins
Issue 12 - 25.03.2009
- 1. The new ACAS Code of Practice
- 2. How many annual investment allowances?
- 3. Do contracts need to be signed?
- 4. Taking on a new director
- 5. Should I ask for a letter of credit?
- 6. Pension reforms
- 7. Annual reliefs from tax
- 8. New rate for beneficial loans
- 9. Fraudsters target directors
Issue 11 - 11.03.2009
- 1. New tax investigation rules from April
- 2. Is invoice discounting right for you?
- 3. Providing food for employees
- 4. CVs - is your dream recruit a potential nightmare?
- 5. Pitfalls to sharing a website log-in
- 6. New credit card trick
- 7. Tax demands by text
- 8. Hotel budgets cut to make savings
Issue 10 - 25.02.2009
- 1. VAT surcharge problems
- 2. Dealing with waste
- 3. State pension top-up
- 4. Hard times lead to employee fraud
- 5. Who owns the goods?
- 6. How to clear a director’s loan account
- 7. Neighbourhood networking
- 8. Steep rise in Companies House penalties
- 9. Double tip scam
Issue 09 - 11.02.2009
- 1. Employee-owned cars, who’s responsible?
- 2. Pension deadline approaching
- 3. Planning business transfers for maximum benefit
- 4. Wills - is a professional executor worth it?
- 5. Company car savings
- 6. Signed a contract or a guarantee?
- 7. Deadline to avoid surcharges
- 8. Increased rules for travel to the US
Issue 08 - 28.01.2009
- 1. Home-to-work travel expenses
- 2. Onerous terms - are they still enforceable?
- 3. Wills, do I really need one?
- 4. Raising money from family and friends
- 5. Court rules - service of documents
- 6. Can’t move? Then extend
- 7. When to notify your insurer
- 8. Buying limits
- 9.
Issue 07 - 14.01.2009
- 1. Changes to the annual return
- 2. Director liable for company tax
- 3. Bailiffs at the door - what are your rights?
- 4. The personal risk of passing off
- 5. Do you have to pay liquidated damages?
- 6. Don’t get IT wrong
- 7. Preparing your business for sale
- 8. Time to reduce your share capital?
- 9. Temporary workplace travel costs
Issue 06 - 17.12.2008
- 1. How much will the PBR cost you?
- 2. Changing a director’s job description
- 3. Cutting power charges
- 4. A loan from the company?
- 5. Look out for foreign bank charges
- 6. Is gold a good investment?
- 7. Cash versus credit card
- 8. Top tips for productive meetings
- 9. Data protection
Issue 05 - 03.12.2008
- 1. Three more duties...
- 2. Inheritance Tax tactics
- 3. When the fireman calls
- 4. Is it worth having a full survey?
- 5. Cutting sickness costs
- 6. Waste problems
- 7. Simple ways to improve cash flow
- 8. Probate scam
- 9. Do you need more contact details on your site?
Issue 04 - 19.11.2008
- 1. Do you have sufficient life assurance?
- 2. Another way to get your money?
- 3. Extra funding for staff training
- 4. Has the Taxman grown more teeth?
- 5. No money to pay the rent?
- 6. How to avoid becoming a victim of ID theft
- 7. Complain within 14 days or else...
- 8. Stay productive with a DIY fix for your PC
Issue 03 - 05.11.2008
- 1. Sell the Merc to the company?
- 2. Don’t overlook the risks of homeworking
- 3. “Your papers, por favor...”
- 4. Anywhere safe to put your money?
- 5. An offer that’s too good to be true?
- 6. Going back in time to get your money
- 7. Watch what you throw out!
- 8. Question that renewal
- 9. Extra protection for your brand
Issue 02 - 22.10.2008
- 1. Playing hardball with slow payers
- 2. Landlord to sell up?
- 3. Petal power...
- 4. Conflict in the board room
- 5. Personal computers on the Taxman?
- 6. More cancellation rights
- 7. Hire car pitfalls
- 8. A growing business
- 9. The fear of the bank move
Issue 01 - 08.10.2008
- 1. Got your EPC yet?
- 2. Hire car blues
- 3. Take care with Internet comparison sites
- 4. I thought we had a deal!
- 5. Do you want a receipt?
- 6. Work less and pay less?
- 7. Where to sue?
- 8. Minimum wage up again

Directors’ liability - guarantees

11 February 2009

Signed a contract or a guarantee?

It seems that you’ve committed yourself to a personal guarantee, even though you assumed you were signing a contract on behalf of the company. As you have been misled, can you now get out of the contract?

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© Indicator - FL Memo Ltd • Telephone: (01233) 653500 • Fax: (01233) 647100 • customer.services@indicator-flm.co.uk • www.indicator-flm.co.uk
Calgarth House, 39-41 Bank Street, Ashford, Kent TN23 1DQ • VAT GB 726 598 394 • Registered in England • Company Registration No. 3599719

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Indicator - FL Memo Ltd
Tel: (01233) 653500. Fax: (01233) 647100
customer.services@indicator-flm.co.uk
www.indicator-flm.co.uk

Calgarth House
39-41 Bank Street
Ashford, Kent TN23 1DQ

VAT GB 726 598 394
Registered in England
Company Registration No. 3599719