Tag Archive interest only

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HMRC Blunders and Mistakes

Can you afford to receive one of the now infamous mistake letters from HMRC? We are told that its all due to computer error and systems not talking to each other. Have you tried getting in touch with HMRC direct to sort out any issues with them?

A recent tv documentary highlighted the lack of knowledge in call centres and also that in fact you can wait upwards of an hour just to merely speak to someone, and when you do speak to them, can you be sure you are getting the correct information?

Once upon a time, when you rang up with a query, you were sure that they would also check all the details they hold for you and after giving your details the quick once over, might highlight to you any issues they could see, but with the lack of time they now have – this no longer happens, so mistakes just carry on happening.

So if you have concerns about your tax situation and would like help resolving it, or you have a tax return to fill in, and are now worried that you might find yourself in the letters trap sometime next year, then head over to the Tax Specialists and Tax Return Experts and make sure you are getting the correct forms filled in with the correct information.

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Bank Charges

Over the last few days there have been many cries about bank charges and how prohibitive they have now become, add this to the fact that many existing bank clients are having overdraft reduced and rates increased when renewal comes around, its no wonder bank are now being accussed of ripping off customers.

One big trend we have noticed is that banks don’t like Declining Trade, be it for overdraft extension, refinancing or even a new loan. This is one of the biggest causes of rejection of a bank application.

However, the very fact we have been in (and hopefully out of) a recession, means that many small businesses will have seen a downturn in trade, and now need finance more than ever to help them grow.

Finance though is still possible, but not with the big main lenders who are feeling the pain most, so if you need to know more get in touch and we can chat.

We can offer FREE Business Banking Facilities with a mortgage

No Upfront Fees

VERY COMPETITIVE PRIME REMORTGAGE PRODUCTS AVAILABLE

Development Finance

COMMON SENSE APPROACH – NOT TICK BOX

EXCLUSIVE FUNDS AVAILABLE

Short or Long Term Finance Available

Working Capital Loans

Fixed Term Overdraft Replacement Loans

ADVERSE CREDIT AND “SELF CERT” LOANS STILL AVAILABLE

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Working Capital

Working Capital is the lifeblood of any business, be it for subsistence or expansion.

With the recession now officially being over, businesses NEED funding in order to profit from the upturn in orders and business.

However, the effect of the recession means that companies may have had cash-flow pressures over the last few years from reducing orders or increasing debts.

With a recent survey showing banks writing off over £5.6bn in 2009, banks are now being more cautious with risk and only lending to business they can be sure about. A business needing working capital, typically will not have strong books hence the reason they need to borrow the money on day one.

So where do you turn?

Come chat to us about a WORKING CAPITAL SECURED LOAN.

This loan is underwritten on a completely common sense approach, and we will seek to fully understand the deal, with the lending decision taken by a HUMAN rather than take a bland tick box approach.

LOANS FROM £25,000 UPWARDS

FIRST OR SECOND CHARGE LENDING AVAILABLE

INTEREST ONLY TERMS AVAILABLE

SHORT OR LONG TERM LENDING

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