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Adcroft Hilton Ltd

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Adcroft Hilton Ltd

Adcroft Hilton are Business Recovery and Licensed Insolvency Practitioners. Free advice for individuals and companies.

Adcroft Hilton has been established for more than 20 years. The firm is a member of the Insolvency Practitioners Association and is driven by a management team with over 60 years’ experience supporting individuals and businesses through financial difficulties. A small, strong team of experienced practitioners ensure that advice is delivered with professionalism, sensitivity and understanding. Access to a selection of trusted external agencies allows the team to provide practical and effective solutions to a wide range of financial problems. Adcroft Hilton works extensively with individuals and businesses across England and Wales and has offices in Blackpool and Carlisle. Wherever you are based, we can ensure an advisor is available to discuss your needs with you.

04/11/2026

Buy Now Pay Later services have only been regulated since July. New rules now require affordability checks before credit is offered, meaning some shoppers will be blocked if they cannot demonstrate they can afford repayments.

For people using BNPL to spread the cost of a purchase, that is a sensible safeguard. For those using it to cover essentials, being blocked is a different kind of problem altogether.

The regulations bring BNPL in line with other forms of credit. But the scale of its use tells its own story about where household finances are right now.

Lenders need to be authorised by the regulator to provide buy now pay later services

03/11/2026

Another British household name is leaving the London Stock Exchange. Mobico, the parent company of National Express, has agreed a £308m takeover by Spanish firm AdL, with the deal valued at £2.3bn once its debt is factored in.

The company’s own chairman described the financial position as “challenging”, with legacy liabilities constraining the business’s ability to pay down debt. For a company with 30,000 employees, that is a frank admission.

It joins EasyJet and Tate & Lyle in a wave of UK delistings, with overseas buyers moving in on British businesses where debt has become the deciding factor.

National Express’ parent company Mobico has been acquired by Spanish buyer AdL after agreeing to a £308m buyout

02/11/2026

Ten days. That is how long Poundland has to find a rescue deal after filing a notice of intention to appoint administrators last week, with suppliers already pulling back on deliveries and 12,000 jobs at risk heading into Christmas.

How did it come to this? Inflation broke the model. When everything in your store sells for £1 but a tin of baked beans now costs £1.40 in a supermarket, the margin disappears entirely. Losses hit £85m last year. The business was growing again but could not service its debts.

The Prime Minister and Business Secretary are now personally involved, demanding answers about whether a viable rescue offer was unfairly rejected. Urgent talks are happening this week. The next few days will be critical for the people who work there.

With the chain on the brink of administration, its low-profile US owners face questions about their conduct

02/11/2026

HMRC has just been handed stronger powers to collect overdue tax - going directly after businesses that “can clearly afford to pay but ignore repeated contact.”

For anyone carrying outstanding PAYE, VAT, or corporation tax, it means HMRC can move faster and harder than before, with less time for business owners to get ahead of the problem on their own terms.

Pile that on top of a wage bill rising again in April, sluggish growth forecasts for 2027, and the ongoing squeeze on margins, and the picture for businesses carrying debt is one of real and mounting pressure.

The Budget offered no rescue package for struggling businesses. What it did was confirm that the environment is getting harder, not easier. If your business is carrying debt you cannot resolve, getting an honest picture of your options now - before enforcement begins - matters more than ever.

We work with business owners at every stage of that process. A full breakdown is on our latest blog.

What the Announcements Mean in Practice John Healey delivered a budget he described as one for “breathing space.” For thousands of business owners already struggling with debt, overdue tax bills, or cashflow that simply won’t stretch far enough, the question is whether the announcements offer ...

31/10/2026

The scariest thing this Halloween? For a lot of young people, it’s the cost of a date. 🎃

New Barclays research found that 27% of Gen Z adults have cancelled or turned down a date because of money concerns, with 45% saying rising costs have affected their ability to meet new people altogether.

The cost of living crisis is touching every part of life, not just the big bills. Have you had to choose this Halloween between a scary movie at home or going out?

Money is increasingly shaping how people date, according to research commissioned by Barclays.

30/10/2026

The Guardian has published a detailed account of a business that entered insolvency twice in just over a year, with creditors including HMRC left owed more than £3m, before what appears to be a third version of the company emerging under a new name.

The case raises important questions about pre-pack administration and phoenix arrangements, and the protections that do and do not exist for creditors in those situations.

These are difficult and sensitive circumstances for everyone involved. What cases like this one underline is that insolvency processes only work as intended when they are handled transparently and with proper professional oversight from the outset.

Andrew Woosnam took millions from his companies before leaving creditors including HMRC out of pocket

29/10/2026

The National Audit Office has flagged that HMRC is sitting on £43.8 billion of tax debt, with around half of it now older than a year and significantly harder to recover.

HMRC estimates 46% of that balance may not be paid at all. The report recommends faster action when debts first arise and more automated payment plan options. If you have outstanding HMRC debt, the message from the watchdog is fairly clear: engagement early is considerably better than waiting.

The tax debt balance remains ‘significantly higher’ than the pre-pandemic period, a National Audit Office report said.

28/10/2026

A viral shopping method that asks you to buy six vegetables, five fruits, four proteins, three carbs, two sauces and one treat has been making the rounds, and personal finance experts have weighed in on whether it actually saves money.

The short answer is that the structure helps more than the ratio does. Planning ahead, setting a limit before you go, and comparing price per unit rather than shelf price are the habits that make the real difference.

With 42% of UK adults using savings to cover everyday costs like groceries, anything that brings a bit more discipline to the weekly shop is worth considering.

Will you try it?

Personal finance experts explain how the viral shopping method works and whether it can cut your grocery bill

27/10/2026

With the Budget coming on Wednesday, there is a lot of noise about potential changes to tax and personal finances.

For anyone already under financial pressure, the uncertainty that comes with a Budget week can feel like one more thing to manage.

The most important thing is not to panic or make rushed decisions before the full picture is clear. If you are concerned about how any changes might affect your situation, get proper advice once the announcements have been made.

The first Budget of the Andy Burnham leadership is announced this week

26/10/2026

Bounce Back Loan debt is still affecting a significant number of business owners, and the questions around personal liability for directors are ones we get asked regularly.

There is more to the picture than a straightforward yes or no, and getting clarity on your position early makes a real difference.

We have broken it down in this week’s blog.

For some business owners, repayment of bounce back loans has proved far more difficult than anticipated, and the question of what happens if the money simply is not there has become an urgent one.

Address

269 Church Street
Blackpool
FY13PB

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.adcrofthilton.co.uk/

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