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Issue 22 - 17.09.2014
- 1. Who owns that design?
- 2. Directors and spouses in “material competition”
- 3. Entrepreneurs’ relief - a tax trap for directors
- 4. Private investors: can they sue you?
- 5. Cut the cost of foreign exchange
- 6. Agency workers and right to work checks
- 7. Turn a supplier’s discount into a tax-free benefit
- 8. Health and safety insider tips
- 9. New NMW rates
Issue 21 - 04.09.2014
- 1. New IR35 guidance
- 2. Shareholder employees
- 3. Road tax changes on 1 October
- 4. Interest-free cash advances from PayPal
- 5. New tax codes on the way
- 6. Personnel searches and the problem with Google
- 7. Maximising a director’s entitlement to SMP
- 8. Free Companies House digital data
- 9. Hullo - you’ve got voicemail
Issue 20 - 09.07.2014
- 1. Using the .UK domain extension
- 2. Insurance: are you properly protected?
- 3. Going on holiday? Take your company credit card
- 4. No director’s salary: what’s the employee status?
- 5. Tax deductions - are you getting them soon enough?
- 6. Company shareholdings and divorce
- 7. Are company secretarial services worth bothering with?
- 8. Migrant workers - new penalty rules
- 9. New IR35 guidance
Issue 19 - 25.06.2014
- 1. Auto-enrolment enforcement
- 2. Contractor’s staff: are you liable for their injuries?
- 3. Must all benefits in kind be declared?
- 4. Small companies at risk by not following procedure
- 5. Avoiding the CGT cash trap
- 6. Flexible working changes: must you tell the staff?
- 7. Protect company-owned property from fraud
- 8. TUPE transfers and data protection
- 9. scanning documents on the move
Issue 18 - 11.06.2014
- 1. Companies House website to close
- 2. Buying a business - assets or shares?
- 3. Director’s salary waived = no longer an employee?
- 4. Save staff costs by offering tax-efficient vouchers
- 5. Mileage allowances under threat from HMRC
- 6. Dodge hefty commission fees from estate agents
- 7. Late nights and lone workers
- 8. New law for some pension schemes
- 9. Deadline nears for Form 42
Issue 17 - 29.05.2014
- 1. Bank compensation deadline
- 2. Turn your Ltd company into a Plc
- 3. World Cup winning tax breaks
- 4. Outsourcing: examining the pitfalls
- 5. Verbal agreement to purchase shares: is it binding?
- 6. It wasn’t a cigarette, I was vaping!
- 7. Tax breaks for portable home offices
- 8. Companies House to check undischarged bankrupts
- 9. Create your own QR codes
Issue 16 - 15.05.2014
- 1. Changes to distance selling rules
- 2. New rules - take all your pension fund at once
- 3. Company cars - new tax rules
- 4. Can the landlord keep the fixtures?
- 5. Tax advantages - interest v dividends
- 6. Early conciliation: is it mandatory for you?
- 7. Board meeting minutes: what were you thinking?
- 8. Directors under the microscope
- 9. More companies caught in property tax net
Issue 15 - 01.05.2014
- 1. HMRC to attack P11Ds?
- 2. £36,000 fine for breaching direct marketing rules
- 3. Employment allowance - what’s the latest?
- 4. Are you liable for careless employees?
- 5. Loans to your company - protecting your money
- 6. Recruitment: should you anonymise CVs?
- 7. Are you on top of fire safety?
- 8. Social media rules
- 9. New “invest in a storage unit” scam
Issue 14 - 16.04.2014
- 1. Banks forced to disclose details?
- 2. Changes to the recovery of commercial rent arrears
- 3. Flexible working: why there’s no need to worry
- 4. Double insurance or double trouble?
- 5. Dividends - take them or leave them?
- 6. Customer overpayments - can you keep them?
- 7. VAT - what are new companies allowed to reclaim?
- 8. Apprenticeship grants for more companies
- 9. Cutting company pension costs
Issue 13 - 02.04.2014
- 1. A good Budget for companies?
- 2. Is NEST right for your company?
- 3. Time running out for a tax break on green cars
- 4. Keeping tabs on remote workers
- 5. Should you download the new app from Companies House?
- 6. Prevent theft of employees’ personal information
- 7. Fires and force majeure clauses
- 8. Access alternative business funding
- 9. trusted online reviews
Issue 12 - 19.03.2014
- 1. Help on exports and trading abroad
- 2. Personal guarantees and the family home
- 3. Dividends - year-end tax planning
- 4. How to avoid penalties for late accounts
- 5. Can you spread the cost of last year’s tax bill?
- 6. Client requests for criminal record checks
- 7. Buy-to-let investments: evicting tenants
- 8. More protection for your company’s cash
- 9. RTI procedures for first year end
Issue 11 - 05.03.2014
- 1. Flood help
- 2. Your medical records for sale
- 3. Directors - how the new state pension affects you
- 4. Pricing errors: what’s your legal position?
- 5. Is it tax efficient for your company to buy your home?
- 6. Prevent abuse of staff discount
- 7. New companies - maximising tax deductions for salary
- 8. RescueTime: where does your day go?
- 9. Real solicitor’s letter or scammer?
Issue 10 - 19.02.2014
- 1. Bag the best website addresses
- 2. A disagreement or a breach of your duties?
- 3. HMRC tax codes still showing errors
- 4. Divorce and your inheritance
- 5. The (tax subsidised) one-man company canteen
- 6. Professionally drafted service contracts
- 7. Can you give your shares away?
- 8. New IT subsidy for companies
- 9. Compensation for seven million cardholders
Issue 09 - 05.02.2014
- 1. Companies face higher NMW fines
- 2. Are you paying too much in business rates?
- 3. Tax-efficient bonuses when cash is tight
- 4. Recovering recruitment agency fees
- 5. Tax-free medical treatment
- 6. Should you buy Facebook “likes”?
- 7. Law firms shutting up shop
- 8. UK Storm Business Fund launched
- 9. Retention of title clauses - the latest ruling
Issue 08 - 22.01.2014
- 1. Self-assessment deadline looming
- 2. Employment disputes - watch your tone
- 3. Company records - what’s the bare minimum?
- 4. The new tax-free limit for company loans
- 5. Exercising break clauses in commercial leases
- 6. Can you use your company as an IHT shelter?
- 7. Increase meeting productivity
- 8. Fake motor policies on the rise
- 9. Enforced changes to zero-hours contracts
Issue 07 - 08.01.2014
- 1. The Autumn Statement fine print
- 2. Tougher rules for your slow paying customers
- 3. Cut your admin and save tax on foreign trips
- 4. Are you properly insured to employ students?
- 5. What happens to the company if you die?
- 6. Service company personnel and discrimination
- 7. Contracts: do you need a signature in ink?
- 8. Employers’ NI to be abolished for under 21s
- 9. The new “spear phishing” scam
Issue 06 - 11.12.2013
- 1. Should you advertise on Twitter?
- 2. Divorce: can the company’s assets be touched?
- 3. How to accelerate tax relief on company cars
- 4. When can cash deals land you in trouble?
- 5. Pay rises: what’s the current national average?
- 6. How to identify and protect your intellectual property
- 7. Maximising the 10% tax rate on property gains
- 8. Staff sickness costs to increase soon
- 9. Will the payday loan cap affect your company?
Issue 05 - 27.11.2013
- 1. New NMW crackdown on the way
- 2. Do you have enough profit to pay dividends?
- 3. A Christmas present from HMRC
- 4. Property: can you rely on the seller’s say-so?
- 5. Tax-efficient joint ventures with your company
- 6. Alcohol misuse: is it grounds for dismissal?
- 7. Shadow directors: their duties and obligations
- 8. Cut the cost of meeting clients
- 9. Guidance on the new WEEE Regulations
Issue 04 - 13.11.2013
- 1. Raising “forgotten” invoices
- 2. Low cost business meetings on the move
- 3. Share your shares to save some tax
- 4. Tax-efficient charity donations for the company
- 5. Time your expenses right or pay extra tax and NI
- 6. They’re trying to poach your staff
- 7. A two-tier sick pay system
- 8. At last, real cuts in admin for directors
- 9. One in twelve company drivers not licensed
Issue 03 - 30.10.2013
- 1. A £2,000 NI gift for all employers
- 2. Is your company overpaying pension scheme charges?
- 3. Directors at risk from employee-shareholder contracts
- 4. How to make a non-binding settlement offer
- 5. Dividends - maximising your cash-flow advantage
- 6. Hiring a new director: what should you ask them?
- 7. Correcting errors on your credit file
- 8. revealing your package on termination
- 9. Manage your social media in one place
Issue 02 - 16.10.2013
- 1. Direct e-mail marketing rules
- 2. Where there’s a will... there should be a review
- 3. NI refunds for young companies are still available
- 4. Contractual indemnity: limiting your risks
- 5. Auto-enrolment shock for those employing home help
- 6. The “best legs in the company” is awarded £13,000
- 7. Home help - getting your company to pay
- 8. New minimum wage rates
- 9. FCA warns small companies
Issue 01 - 02.10.2013
- 1. Accounting red tape cut!
- 2. Do you need a company nameplate on your home?
- 3. Advertising costs - beware directors’ connections
- 4. Contracts: is this really a matter of good faith?
- 5. Sheltering an investment from higher rate tax
- 6. Abandoned vehicle on your hands
- 7. Derogatory comments about the company
- 8. Use government office space for free
- 9. Avoid spam with a temporary e-mail address

Finance

30 October 2013

Correcting errors on your credit file

You must ensure that, for personal and business reasons, you have the best possible credit history and rating. But suppose an error crops up on your credit file through no fault of your own - how can you get it removed?

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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