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July 18, 2018

Our clients in this situation were a young family with a new baby. They had been struggling to keep up with payments on their mortgage for some time and made the decision to surrender their property back to the lender as the property was in negative equity. This left a crystallised shortfall of £70,000, an amount which was unaffordable for…

what is a 'zombie' company?

What is a ‘zombie’ company?

July 16, 2018

A ‘zombie’ company is simply a company that is neither dead nor alive. It is so overwhelmed by debt that it merely exists and any cash generated is being used to ward off the debt owed to creditors. In many instances, the debt is not being reduced. With this, the majority of ‘zombie’ companies are unable to invest in any future…


My Loan Has Been Sold to A Third Party – What does this mean for me?

July 9, 2018

Increasingly at Bell & Company, we assist individuals and businesses whose original loans have been sold to a third-party debt purchaser. People whose loans with the likes of AIB, First Trust and Ulster Bank have been sold would have been notified by letter that their loan had been bought by third parties such as: Everyday Finance D.A.C Cabot Link Financial…

Overall savings of £28,000 for family of 5

July 4, 2018

The case in question was ongoing for several years. Our clients, a family of five, owed in the region of £70,000. The family had fallen on hard times with the breadwinner being made redundant and they were struggling to make payments. Bell & Company entered negotiations with the lender on behalf of the family. The security value was £35,000 which…

4 reasons to appoint an intermediary

4 REASONS WHY you should appoint an Intermediary

July 4, 2018

  A question we often hear from potential clients in their initial consultation is why can’t I do this myself? In short there is nothing stopping you from liaising with your creditors yourself. However, we know that the process is much smoother, less stressful and often more successful with expert assistance. Intermediaries like ourselves carry the burden so that you…

liquidator of a company

Liquidator of a Company – Do I have Personal exposure?

June 26, 2018

The failure of any company is distressing enough, and all company debts would be dealt within the liquidator’s work. There could be elements of the liquidation that cause personal exposure and put your assets such as your home, car or savings at risk. Personal Guarantees This is an area we specialize in. Personal Guarantees may have been given banks, on…

£54,000 Saving & Burden lifted

£54,000 Saving & Burden lifted

June 21, 2018

Our client, in this case, was recently a separated, parent of three. They had been struggling for some time with mortgage repayments and made the decision to appoint us at Bell and Company to lift some of the weight off. The client had a crystallised shortfall of £60,000 split between a major high street lender and a 2nd charge holder.…

£65,000 Saving and Home Protected

£65,000 Saving & Home Protected

June 21, 2018

Our client, in this case, had been unable to maintain the payments on her mortgage and had developed huge arrears in an extended period of financial difficulty. The property in question was a 2nd property, which was tenanted. Bell & Company upon initial consultation advised the client on a consensual sale however the lender in question declined. Upon weighing out…

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