Features

Blog: Time to call in the Common Financial Tool

Blog: Time to call in the Common Financial Tool

Alan McIntosh is a Senior Money Adviser at Inverclyde Council. The views expressed in this blog are his own.   In the first year of implementation of the Bankruptcy and Debt Advice (Scotland) Act 2014 (BADAS), the number of sequestrations in Scotland dropped by 44 percent; Debt Payment Programmes dropped by 50 per cent; and although protected […]

Blog: The Land and Buildings Transaction Tax is killing the Scottish housing market

Blog: The Land and Buildings Transaction Tax is killing the Scottish housing market

Ken McEwan, chief executive of Edinburgh-based estate agency, McEwan Fraser Legal says we all face having to pick-up the tab for what he has condemned as the Scottish Government’s “botched” Land and Buildings Transaction Tax (LBTT) as he appeals for urgent reform.   When the Scottish Government introduced the Land and Buildings Transaction Tax as a […]

Blog: The Debt Arrangement Scheme – If Carlsberg did payment plans

Blog: The Debt Arrangement Scheme – If Carlsberg did payment plans

Nicola Standen, manager and adviser in the Personal Debt team at Campbell Dallas considers the Debt Arrangement Scheme (DAS) as an effective debt management solution.   Following the Bank of England’s warning that consumer borrowing over the last year has been soaring, and lenders face action for irresponsible lending, there is a growing risk of a tsunami […]

Blog: Build to Rent could plug housing shortfall

Blog: Build to Rent could plug housing shortfall

Scotland’s housing shortfall could be plugged by Build to Rent homes but opportunities as well as threats exist for the sector, says Dr John Boyle. Build to Rent (BTR), or institutional investment in the private rented sector (PRS), is now emerging as a major new way of providing housing across the UK. This type of […]

Blog: Online Sales Bans – PING you’ve been fined!

Blog: Online Sales Bans – PING you’ve been fined!

David Flint looks at a case illustrating the fine line between necessary and unnecessary restrictions in the competition rules.  The Competition and Markets Authority (CMA) have issued a fine of £1.45 million to PING Europe Limited for breaching competition rules. The fine issued concerned agreements entered into with two UK retailers that prohibited online sales […]

Blog: Scottish high street suffering – then let’s rethink the plan….

Blog: Scottish high street suffering – then let’s rethink the plan….

The Scottish Retail Consortium recently reported that almost one in ten retail premises in Scotland now lies empty. Retail footfall in Scotland fell in July and there are a dwindling number of months in any year where any growth at all is evident. Perhaps unexpectedly, shopping centres are faring worst of all. While the fall […]

Blog: Partial reprieve for social care providers over NMW underpayments

Blog: Partial reprieve for social care providers over NMW underpayments

Despite a partial reprieve, employers in the social care sector must take swift action to comply with rules on paying workers appropriately for sleep-in shifts, writes Kate Wyatt.  The government has recognised the difficulties the social care sector is experiencing as a result of recent rulings on underpayment of the National Minimum Wage (NMW) for […]

Blog: Don’t be another inheritance tax statistic

Blog: Don’t be another inheritance tax statistic

Andrew Paterson, partner in the asset protection group at law firm Murray Beith Murray, writes on misunderstandings surrounding inheritance tax in the UK. The Office for National Statistics publish a seemingly endless list of reports and analysis covering topics as diverse as “Where British citizens live in France” to “the Proportion of People who have […]

Blog: Is a company director entitled to redundancy pay if their company is insolvent?

Blog: Is a company director entitled to redundancy pay if their company is insolvent?

Jonathan Munnery, partner at Begbies Traynor, sheds light on the rights of directors when a company goes to the wall   It isn’t common knowledge but directors may have a claim for redundancy when their company enters liquidation. They must be able to prove their status as an employee of the company, and fulfil more than […]

Blog: Pensions Regulator to prosecute former ‘BHS’ boss

Blog: Pensions Regulator to prosecute former ‘BHS’ boss

Martyn Shaw, a partner at Scottish law firm MacRoberts, provides an update on the BHS saga This week, The Pensions Regulator (TPR) confirmed that it is to prosecute Dominic Chappell for failing to provide information and documents during its investigation into the sale of BHS. What is this about? Mr Chappell has been summonsed to appear at […]