Sharing financial news, success stories and information on debt matters
Help defend against a CCJ (County Court Judgement) This article outlines what to do if a company is threatening...
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Do I Have an Overdrawn Directors Loan Account? What is a Directors Loan Account? A Director’s Loan Account (also...
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The ‘Pros and Cons’ of Bankruptcy The word Bankruptcy fills most people with feelings of dread. It is hard...
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Company strike-off and dissolution A limited company is dissolved by striking it off the Companies House register, after which...
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In this article, Chairman of Bell & Company, Terry Bell, gives his commentary on the current inflation crisis in...
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What is a CVA? A Company Voluntary Arrangement (CVA) is a legally binding agreement between a company and its...
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Even when business is tight and cash flow restricted, it’s vital to keep your general and trade creditors on...
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If your business is facing insolvency, it can seem like there’s no way out. You may be kept up...
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A zombie company is simply a company that is neither dead (insolvent) nor alive (profitable). This happens when a...
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Are you a Director of a Limited Company with a Bounce Back Loan? Read on…… On 15th February 2022,...
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Are directors personally liable for business debts? In most cases, directors are not liable for the debts of a...
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Funding Circle, the ‘alternative lending’ platform made headlines in 2021 for selling 1900 Personally Guaranteed Loans to a large...
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If you or your business are in debt to HMRC you must deal with these debts immediately. Whether it...
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Last week saw the release of the Insolvency Statistics for the final quarter of 2021. It provides an insight...
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As the UK economy begins to recover from the effects of COVID-19, businesses and individuals alike are still struggling....
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If your mortgage is more than the current value of your house, you have fallen victim to negative equity....
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According to figures released by the ONS today, inflation in the UK is now at its highest level in...
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Update: The UK Government has extended the commercial eviction ban expired at the end of March 2022. The government...
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Much was made of HMRC again getting their preferred status in terms of their debts in Insolvencies. The Finance...
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Terry Bell, Chairman at Bell & Company, provides commentary on the recently published Q3 2021 insolvency statistics. Company Insolvencies...
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The Rating (Coronavirus) and Directors Disqualification (Dissolved Companies) Bill has recently been voted into law. It grants new investigatory...
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If you signed it, you are liable. Directors are often required to provide a personal guarantee as security for...
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In March 2020, the UK government announced the CBIL, CLBIL and BBL schemes. These schemes were designed as a...
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Unfortunately, debt and mental health go hand-in-hand. 1 in 2 adults with debt problems also suffers from mental health...
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Bell & Company are again partnering with NSPCC NI to complete “The Power of Four” challenge in aid of...
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The word bankruptcy fills most people with feelings of dread. It is hard to deny the fact that the...
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Most people know what Bankruptcy is however, there is often more than meets the eye and not all cases...
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Funding Circle, the ‘alternative lending’ platform has made headlines for selling 1900 Personally Guaranteed Loans to a large debt...
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With the advent of FinTech/ Peer-to-Peer facilities, who brilliantly filled the gap vacated by the Big Four, SME finance...
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THE B WORD…BANKRUPTCY. Nobody ever wants to go bankrupt, but we need to understand the basic premise of Bankruptcy...
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Trustee Negotiations are tough. At Bell & Company, we specialize in this niche area of work assisting those people...
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AS WE ALL KNOW MANY BUSINESSES WILL STRUGGLE WITH THE FORTHCOMING RECESSION Bell & Company Announcement – Book Release...
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An opportunity you say? Up until Lockdown 1, creditors were if anything stepping up their action as the economy...
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Since Lockdown 1, we have seen some creditors take a more realistic approach with respect to their demands and...
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The Power of 4 Belfast-based Debt Strategists, Bell & Company, are taking part in an intriguing Fundraising Challenge –...
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The principal reason for securing a CVA allows these ‘mega-retailers’ to excuse themselves of onerous property FRI leases. Obviously,...
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After Rishi’s summer statement, the public borrowing has now reached £350bn. Everyone knows a recession is here and redundancies...
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Our Chairman, Terry Bell, talks to Marc Shoffman, a Journalist who writes for P2P Finance News https://www.p2pfinancenews.co.uk/2020/07/03/rising-risks/ about the...
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Before we start this blog on ‘Limited Company Failing – What’s my personal Exposure?’, we are pleased to announce...
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HERE THEY COME – PEER 2 PEER LENDING PRESSURE. We are hearing from more and more businesses with Peer...
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NOBODY BUT NOBODY SAW COVID-19 COMING. ASSET FINANCE FOR GYMS – OVER BORROWED? Its effect on all businesses, as...
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Property Lease Issues – If a business is having issues and the property lease is in a personal name...
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PART 1 OF COVID-19 PANDEMIC & PLANNING ABOVE…INCASE YOU MISSED IT. Further to my video this morning – knowingly...
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Bad debts can very often cause a perfect storm for any SME business owner, especially those which are totally...
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This week we are discussing Trade Creditor Pressure. So far in our series of blogs, we have covered the...
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We work with a diverse clientele base on dispute resolutions, who sometimes find themselves in disputes and conflicts regarding:...
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We at Bell & Company are seeing more and more enquiries from SMEs struggling with the weight of various...
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The keys, as we always tell prospective clients approaching us embroiled in a debt spiral are: Know the Worst...
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Not the sexiest start to 2020. *An excellent book by Niall Harbison So now we are all back at...
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Being an entrepreneur or business owner can be very lonely, especially when the business comes under any form...
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Personal Guarantee – I’ve received a Statutory Demand! A call on a Personal Guarantee can be stressful. Although,...
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Who the hell are Bell & Company? At Bell & Company, we help People who are experiencing personal...
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The Client had lived with this spectre of debt since the 2008 crash and could see no way out....
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A Personal Guarantee is used by the lender or financial institution to secure a loan or lease. A Personal...
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What is a personal guarantee? Why would I need one? At the height of the business boom, banks frequently...
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What is Negative Equity? ‘Negative equity’ is a term no homeowner wants to hear. But, what is negative...
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Negotiating with Creditors. No creditor/debt collection agency are the same. They often have different processes and protocols along with...
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A question that many will ask as their business begins to fail is… “Am I Personally Liable for my...
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Mental Health & Debt – The Worst Not a great subject I know, Mental Health and Debt, but one...
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“If a business is struggling and the lease is supported...
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A question we often hear from potential clients in their initial consultation is why can’t I do this myself?...
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Personal Guarantee A call on a personal guarantee can be very stressful but it may be managed with meaningful,...
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Retail World – FRI leases, the devil’s spawn We hear on a weekly basis, at the moment, of...
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Personal Guarantees – IS MY HOME AT RISK? Personal guarantees are a scourge on entrepreneurial life which very often...
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Ask anyone who has faced Bankruptcy what their biggest fear was, and you will get the same answer every...
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WHAT ARE DEBT STRATEGISTS Debt strategist might sound like the job title of the bulge-bracket merchant banker in...
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The team at Bell & Company are delighted to announce they have again been shortlisted as finalists in the...
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Out with the old, in with the new! From April 4th, we will be operating from our new Arthur...
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The word bankruptcy tends to fill most people with feelings of dread. It’s hard to deny the fact that...
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A financial advisory company that specializes in dealing with personal and professional insolvency is warning how a state bank’s...
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Are you sitting on a mortgage time bomb? Currently, owning your own property is a luxury that many people...
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Do you recognise the signs of Corporate Insolvency? Running your own business is both stressful and time-consuming and as...
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If you follow the news you’ll probably be aware of the Carillion collapse, which has resulted in the UK’s...
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With the New Year just starting, Bell & Company, are keen to decipher the insolvency figures from 2017, and consider...
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With 2018 in full swing, many of us are focussing on staying on track when it comes to achieving...
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Insolvency at a Corporate Level If you own your own company, the word insolvency is unlikely to be one...
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The Positives of Bankruptcy The word bankruptcy tends to fill most people with feelings of dread. It’s hard to...
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If you are dealing with negative equity, it’s likely that you are worried about what the future will hold...
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What does the Autumn Budget mean for house prices? As soon as the budget is introduced, most people are...
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Bell & Co urges caution for RBS and Barclays customers after banks were recently exposed by stress tests It’s...
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Bell & Company reminisce about the year that has passed… 2017 has been a mammoth year for the team here...
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Our client approached us with a crystalized debt of over £150,000, owed to a huge banking institution in the...
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Bell & Company were recently able to assist a young couple with 2 young children facing eviction from the...
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What could a Labour victory mean for the UK economy? While Labour missed out on a majority vote in...
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How does the rise in interest rates affect you? It came as a surprise to many when The Bank...
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Anyone, regardless of their job, years of experience, age or financial situation can fall into debt. This can be...
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How you can beat debt Debt is a problem that affects millions of people all over the world. In...
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As we near the end of 2017, we reminisce about Bell & Company’s success at the Belfast Business Awards....
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The global financial crash of 2008 is widely considered to have been the worst financial crisis since The Great...
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Property costs in the UK For many of us, property prices are simply too high. A sizeable majority of...
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Bell & Company were contacted by a first time investor who had been left in negative equity on his...
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Bell & Company finalise successful negotiations on a buy-to-let property. An older couple based in England approached our company regarding...
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Debt hotspots Debt is a problem that’s plaguing the whole of the UK. In fact, household debt across the...
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A former couple had been under the weight of a huge shortfall of over £105,000. They were both trying...
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Have you been enticed by an interest-only loan or mortgage? An interest-only mortgage may initially seem like a brilliant...
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A settlement of 10% can still be achieved, even when faced with a difficult lender A couple with a...
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A young man based in England approached our company regarding an unsustainable ‘buy to let’ property he owned. After...
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Bell and Company recently assisted a professional to avoid Bankruptcy Our client, who happened to be a professional in...
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A young couple found themselves caught up in the Recession, financial downturn of 2007, have a look at their...
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Why you should think before you pick up the plastic UK consumers are using credit cards, debit and charge...
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