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Tips & Advice You & Your Business

Year

Issue 22 - 19.09.2012
- 1. Changes to distance selling rules
- 2. Directors - get on your tax-free bikes!
- 3. Loans: is the credit reference agency correct?
- 4. Warranties hidden in the (insurance) small print
- 5. Tax relief for personalised number plates
- 6. Next steps for new directors
- 7. Getting your company property back
- 8. Avoiding company identity theft
- 9. New vehicle log paper - have you got yours?
Issue 21 - 06.09.2012
- 1. HMRC amnesty for tax returns
- 2. Can you afford not to be insured for personal liability?
- 3. Banks to compensate companies over interest charges
- 4. Rent: can you deduct the cost of repairs?
- 5. Maximising business property relief
- 6. The benefits of share purchase agreements
- 7. Senior staff on holiday at the same time
- 8. Free local advertising with Priority Moments
- 9. We’re going back to fax
Issue 20 - 11.07.2012
- 1. Buddy up with the Taxman?
- 2. Tax break for “triangular” business trips
- 3. Parent company liable for acts of subsidiary
- 4. Would you like to be a non-executive director?
- 5. Is the cost of a director’s holiday tax deductible?
- 6. Demanding (company) overtime
- 7. Are your drivers legal?
- 8. Share transfers - new forms must be used
- 9. Does your company pass the pensions test?
Issue 19 - 27.06.2012
- 1. HMRC agrees tax break for investors
- 2. Who has the right to see your company’s records?
- 3. Tax and NI effects of unpaid holiday
- 4. Is your personal PC insured for business use?
- 5. Gross misconduct discovered post-termination
- 6. Make your business cards (get) work for you
- 7. Must we deal with this “subject access request”?
- 8. The “reset your LinkedIn password” scam
- 9. Sickness absence - it’s all fun and games
Issue 18 - 15.06.2012
- 1. Empty properties get a rate review
- 2. A director with(out) stated qualifications
- 3. Reduce your tax by changing your income pattern
- 4. Increase with the “GrowthAccelerator”?
- 5. EA gets tough on business waste
- 6. Offered a new contract: SWOT up on it!
- 7. Share capital or a loan - which is more tax efficient?
- 8. Free help with company documents and more
- 9. get in first with auto-enrolment
Issue 17 - 30.05.2012
- 1. New IR35 guidance
- 2. Should your company have trademark protection?
- 3. The Bribery Act: is £100 per head “lavish”?
- 4. Invoice financing - can it work for your company?
- 5. Break clauses and landlords’ tricks
- 6. Overnight business trips: (un)acceptable behaviour
- 7. Using your company’s resources for personal benefit
- 8. Companies House London has moved!
- 9. Sunday trading laws relaxed
Issue 16 - 17.05.2012
- 1. The “right” cookies or a £500k fine!
- 2. Avoiding tax on goodwill pay
- 3. Challenging a director’s remuneration
- 4. Buy-to-lets: new rules on tenancy deposits
- 5. Turning back the clock on company car tax
- 6. How to start a court claim
- 7. A resignation: but when is it effective from?
- 8. Company car parking regulations update
- 9. New incorporations service
Issue 15 - 02.05.2012
- 1. New Companies House services
- 2. Tax relief on loan to buy business premises
- 3. Health and safety regulations updated
- 4. Benefits - a tax-efficient alternative to dividends
- 5. Occupiers’ liability: (un)reasonable actions?
- 6. Unfair dismissal changes: is it a good thing?
- 7. Watch what you sign (it’s a personal guarantee)
- 8. Guidance on reusing a company name
- 9. Can staff recall your (website) details?
Issue 14 - 19.04.2012
- 1. Shareholders to vote on your pay?
- 2. Interview suggestion: who owns the idea?
- 3. Company car fuel - who should pay?
- 4. Should directors be securing their loans?
- 5. Directors: what’s your (service) address?
- 6. Stamp (on) price rises
- 7. New company tax incentives
- 8. Reminder service not working?
- 9. National Minimum Wage goes up
Issue 13 - 04.04.2012
- 1. New tax investigations threat
- 2. Save money with the power of “group buying”
- 3. Can you issue shares to who you like?
- 4. Bank charges - what are you paying for?
- 5. The perennial question - should you buy or lease a car?
- 6. Leaving early - is a redundancy payment still due?
- 7. Can you really prove this (court) claim?
- 8. Olympic road closures: be prepared
- 9. HSE’s costs recovery plans “on hold”
Issue 12 - 21.03.2012
- 1. Are you saving on legal fees?
- 2. Poor performance: watch what you say!
- 3. Post-termination criminal investigations: who pays?
- 4. Tax-efficient entertainment
- 5. Insurance - does your company need cover?
- 6. Could a “virtual” receptionist be the answer(phone)?
- 7. Avoiding tax on directors’ loan accounts
- 8. Bank job
- 9. Auto-enrolment put back
Issue 11 - 07.03.2012
- 1. Directors liable for security payments
- 2. Is your data back-up effective?
- 3. EIS tax incentives for family company
- 4. Successful appeals against Companies House penalties
- 5. Social lending: those willing to invest are online
- 6. “Consent not to be unreasonably withheld”
- 7. Make your company’s rules work for you
- 8. Free business mentors
- 9. Fire (personally) costs director £180,000
Issue 10 - 22.02.2012
- 1. Government offices for (your) rent
- 2. Could your payroll software land you with a tax bill?
- 3. Oral contract - was the termination agreed?
- 4. Hiring self-employed consultants
- 5. Tax-efficient pay-offs for directors
- 6. Vehicle tracking: the hidden company benefits
- 7. Are your employees using expenses to bribe?
- 8. the energy to complain
- 9. Grow your own business
Issue 09 - 08.02.2012
- 1. Time to check your code again?
- 2. Settled by (the directors’) verbal agreement?
- 3. New year means new dividend strategy
- 4. Customer database: is your dog in there?
- 5. Will the end of contracting out reduce your pension?
- 6. An authorised officer on your doorstep
- 7. Can your company introduce a dress code?
- 8. Is your website “mobile friendly”?
- 9. Business meetings at petrol stations
Issue 08 - 25.01.2012
- 1. New rules on credit card surcharges
- 2. Copyright: don’t copy that disc!
- 3. Can you backdate tax-free goodwill?
- 4. The danger of an investigating accountant
- 5. Can they afford not to mediate?
- 6. Trouble with the Taxman’s software
- 7. TUPE or not TUPE, that was the question!
- 8. Account protection limits retained
- 9. Intracom scam
Issue 07 - 11.01.2012
- 1. Faster bank transfers
- 2. Are you missing out on tax deductions?
- 3. Autumn Statement - business rate changes
- 4. New penalty rules and directors’ tax returns
- 5. Removing a (problem) director from office
- 6. Property sale: your buyer, their commission?
- 7. A cold and crispy morning, then disaster!
- 8. Intellectual property: protect and support
- 9. Transforming Regulatory Enforcement
Issue 06 - 14.12.2011
- 1. Compulsory data audits on the way?
- 2. An IHT dodge for family companies
- 3. Don’t advertise (with) the 2012 Olympics
- 4. Staking your claim with the liquidator
- 5. Overcoming problems with dividends
- 6. Living together: who gets the (whole) house?
- 7. Writing job descriptions for a director
- 8. current accounts investigated
- 9. Don’t be late with your accounts
Issue 05 - 30.11.2011
- 1. Sector-based work academies
- 2. The danger of having two company loans
- 3. Watch out there’s a traffic warden about!
- 4. Is the cost of getting home taxable?
- 5. Directors personally liable for discrimination?
- 6. Legal expenses insurance: your solicitor or theirs?
- 7. Leases and statutory compliance clauses
- 8. free lessons on (Internet) business growth
- 9. sickness absence is lower for you, but...
Issue 04 - 16.11.2011
- 1. Save £7.7 billion (energy) efficiently
- 2. Retracting a written notice of termination
- 3. Can paying interest instead of dividends save tax
- 4. Replacing your income in times of trouble
- 5. Are you trying the new “Finance Finder” website?
- 6. Side letters: close enough for your comfort?
- 7. Knock 10% off your energy bills now!
- 8. Postal charges up 50%
- 9. Preparing for RTI
Issue 03 - 02.11.2011
- 1. Changes to company returns
- 2. Employment problems and legal advice
- 3. Can you avoid tax on a loan from your company?
- 4. Are you ready for pensions auto enrolment?
- 5. Should you move premises or store the problem?
- 6. More tax by association - updated advice
- 7. Shoddy goods: an exchange but no refund
- 8. HMRC reduces small business record checks
- 9. First Bribery Act prosecution
Issue 02 - 19.10.2011
- 1. We’re scrutinising directors’ pay!
- 2. Are there any directors hiding in the shadows?
- 3. Cutting the cost of NI
- 4. Protect staff wellbeing or be disqualified?
- 5. Can you hand back your salary to save tax?
- 6. When can you dispose of company records?
- 7. Are you sure your car is fully covered?
- 8. New law on waste now in force
- 9. Replacement company certificates
Issue 01 - 05.10.2011
- 1. What is “disguised remuneration”?
- 2. Risk assessments - actions speak louder than words
- 3. Borrowed from a client - is it a breach of your duties?
- 4. Can a “reward account” save your company money?
- 5. Are mobile phone freebies taxable?
- 6. Daily web deal(er)s: watch out for the small print!
- 7. Calculating cover for business interruptions
- 8. Fund101 - £500 cash for small businesses
- 9. National Minimum Wage rises

Finance

19 September 2012

Loans: is the credit reference agency correct?

In a recent case, a credit reference agency had incorrectly listed a director as “bankrupt”. As a result, his company was turned down for finance. How can you ensure that you’re not the victim of any financial inaccuracies?

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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
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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