Cloud9 News

Cloud 9 has a New Member! Introducing Milan

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amanda sqAccountant

In July 2022 we got approached by Milan who showed his interest in Cloud 9. After assessing his knowledge and abilities, he joined our team instantly.

Milan is very outcoming person with all positive energy around him. A career-conscious person, seeking for a place where his acquired skills and education will be utilized toward continued growth and advancement. With an ability to grasp thorough understanding of product features to better serve customers.

Milan started his career by acquiring his Bachelor’s Degree in Business Studies, where his favourite subjects were: Economic Analysis, Business Math, Cost and Management Accountancy, Business Finance, Investment Analysis, banking and Insurance, Taxation.

His first work experience was in Serving Minds – a call centre company. Where he learned to speak with small and medium business houses through calls and professional presentation efforts.

His next work position led him to an insurance company - Pacific Century Insurance. As insurance consultant he was responsible for: market research, presentation to prospects, managing and organizing financial services for existing clients, co-ordinating public relations and interacting productively with individuals from all backgrounds.

Accounting work experience he gained in his next workplace – in Ocean Brand company. Where he was performing usual accountancy duties (looking after all company ledgers), as well as purchasing and rest of administration duties.

In 2017 he registered as student with CIMA. In August 2022 he successfully completed the management level of the Institute's examinations and proudly received his CIMA Certificate.

Also, to his certifications belongs CMI Certificate, containing units such: Managerial style and behaviours, Managing stakeholders’ expectations, Understanding organisational culture, Managing interviews, Personal development as a manager and leader, Being a leader.

And also, the QMS Auditor/Lead Auditor Certificate – where he successfully completed the required assessment for this course, certified by IRCA and the CQI.

He is skilled in software such: Xero, MS Office, Red Hat Linux (which is an operating system developed by Red Hat for the business market).

We would really like to mention here that Milan has been acquiring all these qualifications while also been a member of The British Army for few years now. He is a hard worker, dedicated, persistent, a real hero!

“In his free time you would find him playing tennis, running to keep fit and spending time with his family. He also tries and reads business books whenever he can 😊”

Cloud 9 has a New Member! Introducing Pinky

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amanda sqAccountant

Pinky is ambitious young lady, very kind and compassionate. We welcomed her in January 2022 as another great addition to our Cloud 9 team.

Pinky is a post graduate in Economics, her favourite modules were: Advanced Macroeconomic Theory and Policy, Quantitative Methods for Economic Analysis, International Trade Theory and Policy, Statistics, Banking, Public Economics, Business Economics.
While she has an ACCA accountant in her team she is also pursuing ACCA qualification herself.

She is career-driven and she started her work journey in finances as very young.

Her first position was finance assistant in local bank. Where she specialized in tasks such as preparing cashier's checks, personal money orders, exchanging foreign currency, recording all transactions promptly, accurately and in compliance with bank procedure.

After that she went to work in Norwich Credit Union as admin. There she supported book-keeping procedures and update records and databases with personnel & financial data.

Later on in Norfolk and Norwich University Hospital her position was admin again, but that time she was coordinating activities and operations to secure efficiency and compliance to company policies, imputing sensitive data into spread sheets and special programs.

How to support the team while providing the customer with the best possible offer and availability she learned as merchandiser at UK Greetings Cards.

She was responsible for running all accountancy procedures at Cunninghams Accountants in Lowestoft. Especially for: Analysis of financial statements prepared, to report on financial performance and identify tax- saving opportunities for the clients.

Together with her team in Cloud 9 office in Norwich she can provide clients with these variety of service: inputting of data for the computation of tax for individuals and companies, preparation of year-end accounts, providing management accounts on monthly bases, VAT returns for small and medium entities, posting in various accountancy software (Xero, Sage, QuickBooks), payroll, bank reconciliations and other financial ad-hoc duties. In her office in Norwich their clients can as well receive analysis of financial statements prepared, to report on financial performance and identify tax- saving opportunities.

Pinky is hard worker, but she knows how to stop when it comes to family time. In her free time she likes to look after her 3 children and husband, also adores gardening, reading books and time out with her friends.

Cloud 9 has a New Member! Introducing Jojo

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amanda sqAccountant

Jojo - as Ioana likes to be called, is very friendly and open person with great positive energy around her. She joined our Cloud 9 in 2022. Straight away we knew she will be another perfect member for our team.

She has AAT Level 4 qualification, also currently studying Finance & Accounting at Anglia Ruskin University in London (will be graduating in 2023).

In her past she as well picked up several accolades. She was a manager in warehouse, where she led team of 5, handled 400 different production lines, did invoicing, reconciliation, accounting balance sheets.

Strong client relationship she developed when she was in a role of promoting and selling well-known branded accounting software.

Later on, she was again part of big production company, where she led team of 250 staff, responsible for accounting of the company, she designed and implemented a full Excel-based automated manufacturing and accounting management system – which led to improving efficiency, accountability and costs.

She also was part of cleaning company where she built the business from the ground up, run successfully and managed to sell it as a healthy going concern.

After that her lately steps led her to property management, where she was acting as manager, overseeing maintenance of 15 HMO rental properties and assisted landlords with bookkeeping and accounting.

As Jojo is very energetic, at the moment, while she is providing accounting service she is also acting as manager of construction company. There she is responsible for: managing all customer interaction, terms negotiation and contract management, analysing, managing and mitigating risk, handling all reconciliation, accounts payable/receivable, tax, VAT, CIS, invoicing, purchase orders, management accounting, budget setting and forecasting, assessing incoming project tenders, securing profitable terms and conditions, overseeing quality construction standards in line with industry best practice, planning projects, including manpower, and materials requirements, building in contingency plans to mitigate unforeseen circumstances, coordinating teams of 15 construction workers and subcontractors, across multiple project sites and regularly reviewing progress.

“Training and taking care of Rottweilers!"
"Dog training, hiking, nature, plants, etc… but especially dog training :-D!” – this is when you ask her what does she love to do in her spare time.
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Struggling To Pay Tax – What Should You Do?

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Struggling to pay tax – What should you do?

The January self-assessment payment deadline is not well timed, falling as it does in a month when people may be already struggling to pay their Christmas credit card bills. However unpalatable the 31 January tax deadline is, it is not one that should be ignored.

Taxpayers who are within self-assessment will need to pay any remaining tax due for 2020/21 by midnight on 31 January 2022, and also any Class 4 and Class 2 National Insurance liabilities for 2020/21. Where their tax and Class 4 National Insurance liability for 2020/21 was at least £1,000 and less than 80% of their liability was collected at source, such as via PAYE, the first payment on account must also be paid by midnight on 31 January 2022.

If you are struggling to pay what you owe, what can you do?

Contact HMRC

Ignoring the problem will not make it go away; rather, it will make it worse. If you think that you are going to struggle to pay what you owe in full by the 31 January 2022 deadline, you should set up a time to pay agreement or contact HMRC as soon as possible, and ideally before 31 January 2022. However, if you miss this deadline, all is not lost and you may still be able to set up or agree an instalment plan.

Paying in instalments

It may be possible for you to pay what you owe in instalments by setting up a time-to-pay agreement.

You can do this yourself online via your Government Gateway account if:

you have filed your latest self-assessment tax return; you owe less than £30,000; you are within 60 days of the payment deadline; and you plan to pay back what you owe within the next 12 months or less. If you do not meet all of the above conditions, you will not be able to set up an instalment payment plan online. However, you may be able to agree one with HMRC. To do this, you will need to call the Self-Assessment Payment Helpline on 0300 200 3822. The line is open from Monday to Friday from 8am to 4pm. If you cannot pay another type of tax, for example, corporation tax, you should instead call HMRC’s Payment Support Service on 0300 200 3835. The lines are open from Monday to Friday from 8am to 4pm.

When making the call, make sure that you have the following information to hand:

your unique taxpayer reference and National Insurance number; your VAT registration number if you are VAT-registered; your bank account details; and details of any previous payments that you have missed. HMRC will take into account what you are able to pay in full, your monthly income and outgoings, any savings and investments that you have and what you can afford to repay each month. If you have savings or investments, you will be expected to use these to clear your tax bill.

There is no set length for a time-to-pay agreement – it will depend on how much you can afford to pay each month to clear the tax that you owe. The payments are usually made by direct debit, and once the agreement is in place, it is important that payments are not missed and future liabilities are paid on time. You can pay more than the agreed amount if you are able to clear the debt more quickly.

If you do not make the payments, or HMRC will not agree to a time-to-pay agreement, you will be expected to pay what you owe in full. HMRC may use their debt collection powers if you do not do this.

Partner note:

For any more info on this drop us an email at This email address is being protected from spambots. You need JavaScript enabled to view it..

If Your Business Is ‘Chosen’ For An HMRC Enquiry

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What happens if your business is ‘chosen’ for an HMRC enquiry?

HMRC has the power to enquire into any return and request any information to establish whether that return is correct. No reasons need be given and invariably will not be disclosed.

An enquiry may be:

Full – checking a return as a whole including the accounts. Random – standard procedures as part of the overall crackdown on tax avoidance possibly targeting specific businesses deemed as high-risk. Previous enquiries have targeted the construction industry, private health care professionals and more recently, those involved with cryptocurrencies and obviously ‘cash’ businesses. Aspect (or ‘compliance check’). A full enquiry is both costly and time-consuming, for both sides, therefore should a business find itself the subject of one then it will be for a good reason – at least in the HMRC’seyes. As such, an enquiry letter will more likely be for an aspect enquiry where HMRC look at specific areas or claims relating to a return e.g. HMRC may have received information that a property is let but the owner has not completed the letting pages of the return or the taxpayer may declare a small amount of tax when turnover is high. Some compliance checks begin as ‘aspect’ checks before being upgraded to full enquiries if HMRC believes serious issues are evident.

Which businesses can be chosen?

HMRC identifies cases using various means, having invested in technology that collects data, analyses information, highlighting potential cases. Their ‘Connect’ computer system obtains information from a range of sources – newspaper advertisements showing a trade but no accounts submitted, lists of market stall holders, DVLA records, data of racehorses and their owners, estate agents details of rental properties or house sales, local authority lists, planning applications, Land Registry, credit card information from issuers, data from companies such as eBay, PayPal and Airbnb.

However, a sizeable number of investigations are made due to calls to HMRC’s fraud hotline or submission of an online form headed: “HMRC Fraud Hotline – Information report form”. Currently HMRC is concentrating on ‘compliance checks’ specifically relating to suspected CJRS fraud. HMRC believes that between 5% and 10% of CJRS grants contain mistakes or have been illegally claimed and has apparently received over 21,000 reports from the public of suspected CJRS fraud; 26,000 cases are being looked into, some of which include criminal investigations. The process is part of the government’s pledge to invest in a Taxpayer Protection Taskforce created to focus on fraud committed on any coronavirus support package.

Enquiry process

The first indication of a full enquiry is the receipt of a letter accompanied by a Code of Practice leaflet, confirming the type of enquiry, the information expected to be provided and the deadline for providing this information. A Statement of Assets may be included enabling the Inspector to ascertain whether any assets have been acquired of which HMRC was unaware, payment of which might have been via the use of undisclosed earnings.

A Disclosure Report will be issued at the end of an enquiry to include a Certificate of Full Disclosure signed by the taxpayer to the effect that a full disclosure has been made ‘to their best knowledge and belief’. Should any additional tax be due then a tax penalty will be levied, the amount being determined by consideration of the reasons why the underpayment arose and the amount.

CJRS grant compliance check letters confirm that HMRC are looking into whether the taxpayer has ‘received a CJRS grant payment and may need to repay some or all of the grant you have received. This is because you may have:

– claimed for a CJRS grant which is more than you are entitled to based on the information we hold about your employees

– not met the conditions to receive a CJRS grant – for example by including employees in your CJRS claim who are not eligible.’

A response is required within a set timescale (sometimes just two weeks from the date of the letter) otherwise a full compliance check will be opened.

HMRC has an official time limit of five years and ten months after the tax year end for compliance investigation which can be extended to 20 years where fraud or negligence is suspected.

For any more info on this drop us an email at This email address is being protected from spambots. You need JavaScript enabled to view it..

Cloud9 bookkeeping HQ.


homeThe Mill,
Pury Hill Business Park,
Alderton Road, Towcester
Northants, NN12 7LS

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