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  • IVA when your Self-Employeed
    17 November 2016


    IVAs can be a good debt solution for the self-employed If you’re self-employed or own a small company and are struggling to pay your debts, you’re not alone.  Recent research has shown that: those who are self-employed are more likely to have unmanageable debts than employed and unemployed people; and self-employed workers are likely to owe nearly 40 per cent more than those who are employed. It is understandable that you may feel under a lot of stress as your bu...

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  • 16

    Nov
    2016
    Guide to a Full and Final Settlement
    A Full and Final Settlement (F&F) happens when a creditor agrees: to accept less than the whole debt amount to clear it (“full”), and that thay won’t take action to recover the rest (“final”). This is sometimes called a “partial settlement” and sometimes a “short settlement”. A creditor may write to you to suggest a F&F – this usually happens if you have defaulted on the debt or are in a debt management plan. Or ...

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  • 14

    Nov
    2016
    Stamp Duty Land Tax
    Stamp Duty Land Tax Whether buying a commercial premises, investing in a buy-to-let property or just moving house, it’s important to understand the recent changes in Stamp Duty Land Tax (SDLT). Stamp duty land tax is a charge payable whenever you buy a property or land, even if it’s just a share. Taxation is on a sliding scale, starting at £125,000 for residential properties and £150,000 for commercial, multi-use properties and land.   SDLT rates ...

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