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Latest HSBC data breach - personal identity theft
A couple of weeks ago I applied to open an HSBC Small Business bank account - only to receive the following email this morning: "We recently became aware of unauthorised access to a third-party platform, which held documents, images and contact information provided when you applied to open a new HSBC UK business banking…
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Inventory when closing business
I have been wanting to move to a limited company for a while (currently just self employed sole trader buying and selling retail online). Now with making tax digital looming, i want to get it done now so i dont need to bother with it for my sole trader business. Instead i would like to close my business which i have always…
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Making tax Digital - 30k - Online seller - Software help
A bit advice please . Just submitted my accounts and been informed by my accountant that I will need to registered for MTD from next year as my income is over £30k threshold ( I am only over this because of interest from my savings ) .. I sell mostly using online platforms through my website , Ebay , facebook etc . Can…
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Zettle by PayPal security alert
Has anyone using a Zettle by PayPal been affected by the security alert (3pm Sunday 7th September). Ours crashed when the security alert happened and is now a ‘brick’. We have spoken to customer services who are unable to help! Not their fault. The terminal is not a mobile phone and customer services can’t explain why the…
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Side hustle made a loss in first year
Hi all. I have a side hustle (alongside a full time PAYE job) that I started in September/October 2024. Between Oct 2024-Mar 2025 I made around £1,900 so I know I need to now reigster the business. However, my set up costs, training, and expenses were around £4,500 so I am at a net loss. I have a few main questions: - Will…
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Payments on Account and Income Tax Calculators
Two questions. I'm self-employed but have been offered a PAYE job. According to my rough spreadsheet, I will owe over £1000 tax over the tax year but will have paid a significant chunk of it through PAYE. My question is whether payments on accounts will apply to me or not? HMRC say that they apply unless 'the amount of tax…
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Small business account & account filing software
I have 2 very small Ltd businesses, one I have a free business account with Mettle which gives me free access to use FreeAgent to file my accounts & tax. It’s simple, efficient, linked & free. I'm very happy with it. My 2nd business is currently dormant, I file my dormant accounts through the government website however all…
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Problems linking Zettle card reader to PayPal
I don't know if anyone can offer any useful suggestions, I'm only getting scripted replies from PayPal, even when I phone. I'm involved in running the local Flower and Craft Show. It's a small event, we're not a Registered Charity, nor a Company Limited by Guarantee. The most official thing about us is our NatWest…
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Advertising as a local electrician ...How?
I went it alone nearly 20 years ago as a small electrical firm(most 4 employees at peak)commercial and Domestic. These days I am just slowly getting older and winding down to retirement, but healthy and still loving it apart from a recent 18 months of illness that has now past. In the last 12 years I have had an insane…
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Southern Water complaints
As the owner of a small community based coffee business, my business has been virtually pushed to the wall by Southern Water. In November 2024, I reported a burst water main at the site of a previous major pipe refurbishment in Portsmouth. The extensive repairs lasted some 4 months and were being undertaken by Southern…
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Southern Water false meter readings and an inflated bill
I'm wondering if anyone else has had a similar situation. I received a bill from Southern Water stating that they took a meter reading on 1 September. The reading they had was quite low considering we used more water than normal that period. I also didn't recall seeing a Southern Water van at all on the day they took the…
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How to distribute business savings and who to use?
Hi I have a small business and currently have £400k in the account and only need £30k as a float so need to move my money so its protected but also getting the best interest rates. Ive read about Flagstone and wondered if this is the best way to go or to have a number of accounts up to £85k in order that the money is…
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ADEXA CATERING ARE COWBOYS!!!!
Can anyone help / advise? After much trying, 3.5 hours on hold when their contact number is in use and not closed for staff training, only to be told that my order hadn’t even been dispatched after 10 days, countless emails, online form submissions and live chats I still cannot get any sense. After still waiting over 3…
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Sumup Air payment settings
Using the sumup air device and the phone app. After inputting the amount on the checkout page and pressing 'charge' it takes you to the payment methods page where you select the card reader or payment link. Is there a way to remove the payment methods page and make all payment by the card reader only? If you are doing…
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Small Business Rates Relief
Hi all, I wonder if you can help, I am changing direction of my business meaning my offices (that are owned) are no longer suitable. I have now rented these out to another business while I am trying to find suitable new premises to rent for myself. I cannot afford to pay the government for the privilege of having somewhere…
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Going self-employed - a few questions
Hi there, I have a few questions about going self employed. 1) If I register as
self employed under my own name can I work 2 separate self employed
jobs? eg...firstly as a gardener and secondly as an artist? I would
probably be doing 5-10 hrs per week gardening, the artwork is much
more sporadic, a few hours per month. 2)…
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HMRC and stopping payroll
Limited business with 2 employees (both directors). Not much activity recently so wish to stop paying salary for both directors for a few months. Do I need to tell HMRC, and if so what route please? Thank you
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Claiming money back off card machine charge- help 🙏
Good morning, I’m looking for some advice. Several years ago, I signed up to Clover Card Machine Services for my very small hair salon. A company called FISERV is also involved (I believe they are the merchant services provider). At the time, one of their operators helped me set up the machine as I’m not very technical.…
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Dell refusing to replace brand new faulty laptop
Hi, Unfortunately I ordered a brand new top-of-the-range Dell laptop around 5 weeks ago, as a business customer. It eventually arrived and it became immediately apparent the machine is unfit for purpose; it has pixel lines running through the screen making design work impractical and most applications are incredibly…
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Making Tax Digital for Income Tax
My accountant has retired and I'm in the process of sourcing a new one but proving harder than I thought. Having been picked to be questioned by HMRC's market research on the above, I've been trying to source a new software package to trial but have input my requirements on the Govt website and worked through the majority…
