My partner is a builder (not VAT registered) but he is about to start selling books as well and wants to be VAT registered for the book business. Because he will be a sole trader on both businesses he can't be vat registered on one and not the other and does not want to have to charge VAT on his bui...

The Co op it is then. I'm with Yorkshire bank at the mo but wanted to open a joint account with my other half and they said even their basic readycash account they now credit score - 12 months ago they didn't, so they said they couldn't help. I will hopefully get a coop account sorted over the weeke...

Can anyone recommend any basic bank account which doesn't rely on credit scoring? My current bank has turned me down for an additional account as even on their basic accounts they now credit score.

Thanks Lesley and Melanie for getting back to me so quickly. Melanie i will give you a call tomorrow. Thanks very much.

Hi i am looking into an IVA at the moment - i currently have a DMP set up for some credit card debt through CCCS which started a couple of years ago but more recently i obtained a CCJ through a business liquidation which has taken 5 years to sort out and although have agreed a repayment plan with th...

Hi I am at the early stage of reading up on IVA's and would really like to have a face to face meeting with an IP but the 2 IP firms i have rang to arrange this - neither have got back to me. I can travel easily to Birmingham or Worcester and wonder if anyone can recommend a good IP around those areas