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HMRC Time to Pay… Rescue Tool or Just Delaying the Inevitable?

HMRC Time to Pay… Rescue Tool or Just Delaying the Inevitable?

by Paul Brindley | Jun 24, 2026 | Creditor, Supplier and Employee Issues

For many struggling companies, HMRC is not just another creditor. It is often the largest creditor, the most persistent creditor and the one debt that directors have quietly allowed to grow while keeping wages, suppliers and lenders paid. When the pressure increases,...
Statutory Demands and Winding-Up Petitions: Why Directors Should Never Ignore Them

Statutory Demands and Winding-Up Petitions: Why Directors Should Never Ignore Them

by Paul Brindley | Jun 16, 2026 | Creditor, Supplier and Employee Issues

One of the most common things I hear from directors is: ‘It’s only a letter at the moment.’ Sometimes that’s true, sometimes it isn’t. When a creditor serves a statutory demand or threatens a winding-up petition, the stakes have changed,...
Unsecured Creditors’ Rights: What Directors Need to Know

Unsecured Creditors’ Rights: What Directors Need to Know

by Paul Brindley | Aug 19, 2025 | Creditor, Supplier and Employee Issues

  When cash is tight, the loudest voices tend to get paid first. That’s understandable, but it’s risky. In UK insolvency, unsecured creditors (your trade suppliers, many customers with deposits, and landlords for arrears) have specific rights. Treating them...
Reservation of Title: What Suppliers Need to Know When a Customer Enters Insolvency

Reservation of Title: What Suppliers Need to Know When a Customer Enters Insolvency

by Paul Brindley | Jun 17, 2025 | Advice to Directors, Creditor, Supplier and Employee Issues

When a company you supply goes into insolvent liquidation or administration, it’s natural to ask: can I get my goods back? If you have a reservation of title (ROT) clause in your terms and conditions, you might be able to recover goods you’ve supplied but...
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