Help defend against a CCJ

Help defend against a CCJ (County Court Judgement) This article outlines what to do if a company is threatening...

Read More >>

Do I Have an Overdrawn Directors Loan Account?

Do I Have an Overdrawn Directors Loan Account?  What is a Directors Loan Account? A Director’s Loan Account (also...

Read More >>

Pros and Cons of Bankruptcy

The ‘Pros and Cons’ of Bankruptcy The word Bankruptcy fills most people with feelings of dread. It is hard...

Read More >>

Dissolving a Limited Company

Company strike-off and dissolution A limited company is dissolved by striking it off the Companies House register, after which...

Read More >>

Inflation Or ‘Ripflation’?: It Will Be Here For Longer Than You Think…

In this article, Chairman of Bell & Company, Terry Bell, gives his commentary on the current inflation crisis in...

Read More >>

What is a CVA and why should you avoid them?

What is a CVA? A Company Voluntary Arrangement (CVA) is a legally binding agreement between a company and its...

Read More >>

Trade Creditors: How To Handle Them

Even when business is tight and cash flow restricted, it’s vital to keep your general and trade creditors on...

Read More >>

Are There Alternatives to Formal Insolvency?

If your business is facing insolvency, it can seem like there’s no way out. You may be kept up...

Read More >>

What is a Zombie Company?

A zombie company is simply a company that is neither dead (insolvent) nor alive (profitable). This happens when a...

Read More >>

Trying to Dissolve Your Company With a Bounce Back Loan (BBL)?

Are you a Director of a Limited Company with a Bounce Back Loan? Read on…… On 15th February 2022,...

Read More >>

Are Directors Personally Liable for Business Debts?

Are directors personally liable for business debts? In most cases, directors are not liable for the debts of a...

Read More >>

What to do if Your Loan is Sold to A Third Party

Funding Circle, the ‘alternative lending’ platform made headlines in 2021 for selling 1900 Personally Guaranteed Loans to a large...

Read More >>

How to Deal With HMRC Debt

If you or your business are in debt to HMRC you must deal with these debts immediately. Whether it...

Read More >>

2021 Insolvency Statistics: A Tough Year for Business

Last week saw the release of the Insolvency Statistics for the final quarter of 2021. It provides an insight...

Read More >>

Personal Debt Doubles in 2021

As the UK economy begins to recover from the effects of COVID-19, businesses and individuals alike are still struggling....

Read More >>

Negative Equity Mortgage: The Solution

If your mortgage is more than the current value of your house, you have fallen victim to negative equity....

Read More >>

UK Inflation Hits a 30 Year High

According to figures released by the ONS today, inflation in the UK is now at its highest level in...

Read More >>

Commercial Leases: What Are Your Options?

Update: The UK Government has extended the commercial eviction ban expired at the end of March 2022. The government...

Read More >>

HMRC Update: Preferential Status and ‘Phoenix’ Companies

Much was made of HMRC again getting their preferred status in terms of their debts in Insolvencies. The Finance...

Read More >>

Insolvency Statistics: Our Commentary

Terry Bell, Chairman at Bell & Company, provides commentary on the recently published Q3 2021 insolvency statistics. Company Insolvencies...

Read More >>

Dissolving A Company With a CBILS Loan: The Latest

The Rating (Coronavirus) and Directors Disqualification (Dissolved Companies) Bill has recently been voted into law. It grants new investigatory...

Read More >>

Pitfalls of a Personal Guarantee

If you signed it, you are liable. Directors are often required to provide a personal guarantee as security for...

Read More >>

CBILS – Everything You Need To Know

In March 2020, the UK government announced the CBIL, CLBIL and BBL schemes. These schemes were designed as a...

Read More >>

How Can Debt Affect Your Mental Health?

Unfortunately, debt and mental health go hand-in-hand. 1 in 2 adults with debt problems also suffers from mental health...

Read More >>

Taking on the Power of 4 Challenge – AGAIN!

Bell & Company are again partnering with NSPCC NI to complete “The Power of Four” challenge in aid of...

Read More >>

Is Bankruptcy The Right Option For Me?

The word bankruptcy fills most people with feelings of dread. It is hard to deny the fact that the...

Read More >>

Bankruptcy Timeline: From Application to Discharge

Most people know what Bankruptcy is however, there is often more than meets the eye and not all cases...

Read More >>

Loan Sales: Should You Be Worried?

Funding Circle, the ‘alternative lending’ platform has made headlines for selling 1900 Personally Guaranteed Loans to a large debt...

Read More >>

Toxic Mix of SME Debt – The Here and Now

With the advent of FinTech/ Peer-to-Peer facilities, who brilliantly filled the gap vacated by the Big Four, SME finance...

Read More >>

Bankruptcy

THE B WORD…BANKRUPTCY. Nobody ever wants to go bankrupt, but we need to understand the basic premise of Bankruptcy...

Read More >>

Trustee Negotiations In Bankruptcy

Trustee Negotiations are tough. At Bell & Company, we specialize in this niche area of work assisting those people...

Read More >>

Bell & Company Announcement – Book Release

AS WE ALL KNOW MANY BUSINESSES WILL STRUGGLE WITH THE FORTHCOMING RECESSION Bell & Company Announcement – Book Release...

Read More >>

Debt Chasers – Our Perspective

An opportunity you say? Up until Lockdown 1, creditors were if anything stepping up their action as the economy...

Read More >>

Debt Problem – Opportunity you say – What!?

Since Lockdown 1, we have seen some creditors take a more realistic approach with respect to their demands and...

Read More >>

NSPCC NI Fundraising Challenge – The Power of 4

The Power of 4 Belfast-based Debt Strategists, Bell & Company, are taking part in an intriguing Fundraising Challenge –...

Read More >>

Property FRI Leases

The principal reason for securing a CVA allows these ‘mega-retailers’ to excuse themselves of onerous property FRI leases. Obviously,...

Read More >>

V-Shaped Recovery?

After Rishi’s summer statement, the public borrowing has now reached £350bn. Everyone knows a recession is here and redundancies...

Read More >>

Rising Risk | P2P Finance News Interview

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...

Read More >>

LIMITED COMPANY FAILING? – EXPOSURE?

Before we start this blog on ‘Limited Company Failing – What’s my personal Exposure?’, we are pleased to announce...

Read More >>

PEER 2 PEER LENDING PRESSURE

HERE THEY COME – PEER 2 PEER LENDING PRESSURE. We are hearing from more and more businesses with Peer...

Read More >>

ASSET FINANCE FOR GYMS – OVER BORROWED?

NOBODY BUT NOBODY SAW COVID-19 COMING. ASSET FINANCE FOR GYMS – OVER BORROWED? Its effect on all businesses, as...

Read More >>

PROPERTY LEASE ISSUES

Property Lease Issues – If a business is having issues and the property lease is in a personal name...

Read More >>

Business Planning During Coronavirus Pandemic

PART 1 OF COVID-19 PANDEMIC & PLANNING ABOVE…INCASE YOU MISSED IT. Further to my video this morning – knowingly...

Read More >>

BAD DEBTS – CASH FLOW PROBLEMS

Bad debts can very often cause a perfect storm for any SME business owner, especially those which are totally...

Read More >>

Trade Creditor Pressure

This week we are discussing Trade Creditor Pressure. So far in our series of blogs, we have covered the...

Read More >>

Dispute Resolutions – How we Help.

We work with a diverse clientele base on dispute resolutions, who sometimes find themselves in disputes and conflicts regarding:...

Read More >>

Peer to Peer Issues – Again? We Will Speak Out

We at Bell & Company are seeing more and more enquiries from SMEs struggling with the weight of various...

Read More >>

Debt…The Opera Singer

The keys, as we always tell prospective clients approaching us embroiled in a debt spiral are: Know the Worst...

Read More >>

Not the sexiest start to 2020.

Not the sexiest start to 2020. *An excellent book by Niall Harbison So now we are all back at...

Read More >>

SME DEBT PRESSURE – HELP THE OWNER

  Being an entrepreneur or business owner can be very lonely, especially when the business comes under any form...

Read More >>

Personal Guarantee – I’ve received a Statutory Demand!

  Personal Guarantee – I’ve received a Statutory Demand! A call on a Personal Guarantee can be stressful. Although,...

Read More >>

Who the hell are Bell & Company?

  Who the hell are Bell & Company? At Bell & Company, we help People who are experiencing personal...

Read More >>

£6.5million Personal Guarantee exposure settled at £175,000

The Client had lived with this spectre of debt since the 2008 crash and could see no way out....

Read More >>

Personal Guarantees are Evil

A Personal Guarantee is used by the lender or financial institution to secure a loan or lease.  A Personal...

Read More >>

A Guide to a Directors Personal Guarantee

What is a personal guarantee? Why would I need one? At the height of the business boom, banks frequently...

Read More >>

A Guide to Negative Equity

  What is Negative Equity? ‘Negative equity’ is a term no homeowner wants to hear. But, what is negative...

Read More >>

Negotiating with Creditors

Negotiating with Creditors. No creditor/debt collection agency are the same. They often have different processes and protocols along with...

Read More >>

Personal Liability and Busines Debts

A question that many will ask as their business begins to fail is… “Am I Personally Liable for my...

Read More >>

Mental Health and Debt – The Worst

Mental Health & Debt – The Worst Not a great subject I know, Mental Health and Debt, but one...

Read More >>

FRI leases supported by Personal Guarantees- Evil, Evil

                  “If a business is struggling and the lease is supported...

Read More >>

4 REASONS WHY you should appoint an Intermediary

A question we often hear from potential clients in their initial consultation is why can’t I do this myself?...

Read More >>

Personal Guarantee – Now I’ve received a Statutory Demand!

Personal Guarantee A call on a personal guarantee can be very stressful but it may be managed with meaningful,...

Read More >>

Retail World – FRI leases, the devil’s spawn

Retail World – FRI leases, the devil’s spawn   We hear on a weekly basis, at the moment, of...

Read More >>

Personal Guarantees – IS MY HOME AT RISK?

Personal Guarantees – IS MY HOME AT RISK? Personal guarantees are a scourge on entrepreneurial life which very often...

Read More >>

Will I Lose my Home if I’m Declared Bankrupt?

Ask anyone who has faced Bankruptcy what their biggest fear was, and you will get the same answer every...

Read More >>

The Benefits of Debt Strategists

  WHAT ARE DEBT STRATEGISTS Debt strategist might sound like the job title of the bulge-bracket merchant banker in...

Read More >>

We are FINALISTS!

The team at Bell & Company are delighted to announce they have again been shortlisted as finalists in the...

Read More >>

Out with the old, in with the new!

Out with the old, in with the new! From April 4th, we will be operating from our new Arthur...

Read More >>

Don’t let your PRIDE get in the way of your FUTURE!

The word bankruptcy tends to fill most people with feelings of dread. It’s hard to deny the fact that...

Read More >>

How loan sales and vulture funds could result in thousands of people losing their homes

A financial advisory company that specializes in dealing with personal and professional insolvency is warning how a state bank’s...

Read More >>

Are you sitting on a mortgage time bomb?

Are you sitting on a mortgage time bomb? Currently, owning your own property is a luxury that many people...

Read More >>

Do you recognise the signs of Corporate Insolvency?

Do you recognise the signs of Corporate Insolvency? Running your own business is both stressful and time-consuming and as...

Read More >>

What caused the Carillion collapse?

If you follow the news you’ll probably be aware of the Carillion collapse, which has resulted in the UK’s...

Read More >>

Debt Strategy experts Bell & Company weigh in on the insolvency figures from 2017 and consider what 2018 may have in store.

With the New Year just starting, Bell & Company, are keen to decipher the insolvency figures from 2017, and consider...

Read More >>

Implementing your New Year’s Resolutions

With 2018 in full swing, many of us are focussing on staying on track when it comes to achieving...

Read More >>

Insolvency at a Corporate Level

Insolvency at a Corporate Level If you own your own company, the word insolvency is unlikely to be one...

Read More >>

The Positives of Bankruptcy

The Positives of Bankruptcy The word bankruptcy tends to fill most people with feelings of dread. It’s hard to...

Read More >>

What’s the best course of action when you are facing negative equity?

If you are dealing with negative equity, it’s likely that you are worried about what the future will hold...

Read More >>

What does the Autumn Budget mean for house prices?

What does the Autumn Budget mean for house prices? As soon as the budget is introduced, most people are...

Read More >>

Bell & Company urges caution for RBS and Barclays customers

Bell & Co urges caution for RBS and Barclays customers after banks were recently exposed by stress tests It’s...

Read More >>

We look back on 2017

Bell & Company reminisce about the year that has passed… 2017 has been a mammoth year for the team here...

Read More >>

Mammoth overall savings of 92%!

Our client approached us with a crystalized debt of over £150,000, owed to a huge banking institution in the...

Read More >>

Bell & Company prove benefits of great business relationships

Bell & Company were recently able to assist a young couple with 2 young children facing eviction from the...

Read More >>

What could a Labour victory mean for the UK economy?

What could a Labour victory mean for the UK economy? While Labour missed out on a majority vote in...

Read More >>

How does the rise in interest rates affect you?

How does the rise in interest rates affect you? It came as a surprise to many when The Bank...

Read More >>

The professions most likely to fall into debt

Anyone, regardless of their job, years of experience, age or financial situation can fall into debt. This can be...

Read More >>

How you can beat debt

How you can beat debt Debt is a problem that affects millions of people all over the world. In...

Read More >>

We look back at the Belfast Business Awards

As we near the end of 2017, we reminisce about Bell & Company’s success at the Belfast Business Awards....

Read More >>

Are the banks still lending too much?

The global financial crash of 2008 is widely considered to have been the worst financial crisis since The Great...

Read More >>

Will property costs in the UK continue to rise?

Property costs in the UK For many of us, property prices are simply too high. A sizeable majority of...

Read More >>

First-time investor left with large shortfall

Bell & Company were contacted by a first time investor who had been left in negative equity on his...

Read More >>

‘Buy-to-Let’ property stress

Bell & Company finalise successful negotiations on a buy-to-let property. An older couple based in England approached our company regarding...

Read More >>

The debt hotspots of the UK

Debt hotspots Debt is a problem that’s plaguing the whole of the UK. In fact, household debt across the...

Read More >>

A couple helped out of huge shortfall after their separation

A former couple had been under the weight of a huge shortfall of over £105,000. They were both trying...

Read More >>

The dangers of an interest-only mortgage

Have you been enticed by an interest-only loan or mortgage? An interest-only mortgage may initially seem like a brilliant...

Read More >>

Despite difficult lender, a 10% settlement can be achieved

A settlement of 10% can still be achieved, even when faced with a difficult lender A couple with a...

Read More >>

English ‘buy to let’ case settled within 5 months

A young man based in England approached our company regarding an unsustainable ‘buy to let’ property he owned. After...

Read More >>

Finance professional avoids Bankruptcy

Bell and Company recently assisted a professional to avoid Bankruptcy Our client, who happened to be a professional in...

Read More >>

A young couple caught up in the Recession

A young couple found themselves caught up in the Recession, financial downturn of 2007, have a look at their...

Read More >>

Why we should think before taking out Credit Cards

Why you should think before you pick up the plastic UK consumers are using credit cards, debit and charge...

Read More >>

Chat iconCall us now on 0330 159 5820
CALL US NOW