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Bankruptcy basics

If the demands from credit companies are piling up on your doorstep, then you may be considering filing for bankruptcy. Bankruptcy no longer carries the stigma that it once had, ... More

Dealing with the bankruptcy of a supplier

No matter how prudent you are with your own financial dealings, you cannot fully protect yourself against the financial misfortunes of others. In times of economic uncertainty, the ... More

Invasion of privacy

Personal information is freely given in everyday transactions, from paying for goods at a supermarket to filling in health insurance forms. Consequently, there is a vast amount of ... More

Is bankruptcy right for you?

Bankruptcy is an option – sometimes an unavoidable one – available to individuals who are unable to pay their debts and are thus insolvent. You can declare yourself bankrupt or, ... More

Is liquidation right for you?

If you are company is struggling to trade and pay its debts when they become due, and you discover that your assets are worth less than your debts, then your company is insolvent. If this ... More

Overview of bankruptcy

What is bankruptcy? If you are an individual and you are insolvent, i.e. you have debts which you are totally unable to repay, then you may have to consider bankruptcy as an ... More

Overview of loans, mortgages and guarantees

Businesses often have to borrow money, and how to do this is a question it pays to research. Borrowing may be necessary while the business is starting up, if a big order comes in, or if ... More

Overview of personal tax

The government collects taxes from individuals through HM Revenue & Customs (HMRC) under a variety of different headings including: Income Tax, Capital Gains Tax (CGT), Inheritance Tax ... More

Overview of stakeholder pensions

Duty to provide stakeholder pensions Under the Welfare Reform and Pensions Act 1999, most businesses which have five or more employees, are required to provide access to a stakeholder ... More

Repossession of a home you own

Pre-action protocol There are certain steps your lender must take before it takes action to repossess your home, which are set out in a ‘pre-action protocol’. This applies ... More

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Pay & benefits

Welcome to Pay & ... More

Re: Have had my trust completely abused.. so upset.

Hi Amanda How distressing! Do you have a union/ professional organisation you can go to? Does the model release form say anything about nudity? (Im guessing not or you wouldn't have this ... More

injury award as part of divorce settlement

Hi I have a question regarding a spouse’s entitlement to an accident award that is held in trust. Mr friend got an out of court settlement for a car accident which has left him unable to work this ... More