Recent content by eno

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    payment sense/spire

    We have been without a working terminal since Thursday and are getting messed around by Payment Sense. So we have not been able to take credit card payments for 5 days with no sign of a terminal coming soon. They suggested we sign up to new lease in order to get a another terminal provider as...
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    Aat or chartered acct

    We are trying to move accountants to someone a bit more local. We currently use a chartered acct but previously have been let down badly by bigger firms which we paid through the nose for. We have a limited company with a turnover of around 900k. We have had a quote from a CA for 5k for year...
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    Any experience of personal guarantee claims?

    I think you are misunderstanding my intentions. I assure you I am taking in all of the advice and the knowledge and experience of people on here especially Alan and Lucas which is why i thanked them in my last post. Where did I say NO ONE knows my situation. Please read my posts again, the first...
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    Any experience of personal guarantee claims?

    Firstly can I just ask those who are making scathing comments about giving up and getting a job, keepin up appearances in front of the neighbours and living of bank of mum and dad to refrain from posting again. How dare you make such comments when you absolutely NOTHING about our personal...
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    Any experience of personal guarantee claims?

    Thanks for your positive encouragement!!!
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    Any experience of personal guarantee claims?

    Thankyou for your replies. We heard back from the bank to day. They have send a form for us to fill out about our outgoings. We asked them for a breakdown of the amount they say we owed as at close of business we dont think we maxed the overdraft of 45k (think the other 2k was from the company...
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    Any experience of personal guarantee claims?

    We had a personal guarantee on a business overdraft which has been called in following liquidation. We owed 47k and have offered the bank 20k lump sum or a payback scheme via a solicitor. Since we have very little income following liquidation of our business, we hope to borrow the 20k from our...
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    Paye

    No. Our old accountants registered us but asked them for their user id but they cant give us it as it is a group id for all of their clients. Our new accountant's bookkeeper wants to register us for the PAYE and presumably VAT but everytime I ask the PAYE department for this number they keep...
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    Paye

    I am changing book keeper and she is setting up our PAYE on line and she will be taking over our VAT return - she is asking for our unique tax reference number. Do we have to have this for PAYE on line or VAT?. Have tried to get it from our previous book keeper but she just keeps giving me the...
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    Accountancy fees too high , any software recomendations ?

    that is nothing, I am looking at moving accountants because they charged me that for 1 month then charged us 1200 for 3 months when they said the real cost should have been almost five thousand pounds but they were doing us a favour. I am still in shock!! and we are not based in London!
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    McDonalds Ripped me off! Principal more than anything!

    do you get that nightmare too - the one with the yellow clown and the stripey arms and legs and the bright red doc martins?
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    McDonalds Ripped me off! Principal more than anything!

    Sorry, just I usually associate restaurants with decent food!!! (It was a joke ha ha!!)
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    McDonalds Ripped me off! Principal more than anything!

    Surely you can get them on misrepresentation i.e claiming to be a restaurant:)
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    personal guarantees following Voluntary liquidation

    We didnt envisage us getting another mortgage and we are ok with renting. Problem with renting out our place is that the rentable value is far less than the monthly mortgage payments, however I do hear that RBS are one of the most flexible banks regarding consent to let mortgages. That said of...
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    personal guarantees following Voluntary liquidation

    I assume the two friends were rather hefty gentlemen!!!!!
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