Twelve former directors from across Merseyside who had worked in sectors from women's clothing to parking enforcement have been banned by the Government from running another company.
The dozen people are listed on the Insolvency Service website and have been disqualified for a variety of reasons.
The disqualifications have all taken effect from various dates between now and December 2019, with the length of time depending on the level of misconduct.
All of the information below was provided by the Government's Insolvency Service.
Neelam Talwar, Prem Prakash Talwar and Reena Talwar, Rare Fashion Ltd
Type of business: Women's clothing
Length of disqualification: Four years
In July 2017, these three Woolton residents paid £109,251 of funds to their own bank accounts or credit card accounts - and to the detriment of creditors - after the firm had become insolvent.
Rare filed a notice of intention to appoint administrators, however between July 17 and 21, made payments such as one to Reena Talwar's credit card provider for £7,194 as well as another to Prem Talwar £33,000, and a third to Neelam Talwar of £25,000.
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It also paid a co-director’s credit card provider £28,188 and a direct payment of £1,027 to that same director, unnamed by the Insolvency Service.
Third parties during these dates were also paid £55,306 during this period, the service said.
David Kieran Burke, Captivate Presentations Ltd
Type of business: Specialised design activities
Disqualification length: Four years
Wallasey resident Mr Burke caused Captivate Presentations to fail to make VAT, PAYE (pay as you earn), National Insurance and Corporation Tax payments to HMRC from August 2014.
HMRC have a claim of £110,590 in the firm's liquidation for an unpaid VAT liability totalling £107,300 and surcharges of £3,290.
In an analysis of CPL’s available bank statements covering the period of August 2014 to June 2018, the last transaction before liquidation showed CPL received £1,210,214 and paid out £1,210,476.
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Of the total payment made, a total of £349,164 was paid to Mr Burke, and £6,770 was paid to HMRC.
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David Gerald Whiston, AG Glass & Glazing Ltd
Type of business: Window glazing
Length of disqualification: Three years, six months
Woolton resident Mr Whiston failed to make timely returns or payments in full, meaning a liability of £100,379 at the date of AG Glass & Glazing's liquidation in March 2018. That's despite the firm keeping up with payments to the firm's trade and expense creditors.
At the date of Mr Whiston’s appointment in June 2016, Glass owed £56,215 to HMRC in respect of VAT.
Glass filed VAT returns with a total liability of £59,773 for the quarters ending June 2016 to 30 September 2017 late, and consequently surcharges incurred for all of these quarters totalling £8,591.
Glass did not submit any VAT returns for the quarters ending December 2017 and March 2018, which resulted in HMRC raising assessments of £14,249 and surcharges of £1,163.
Glass entered two 'Time to Pay' Agreements in August 2016 and January 2017 - but failed to make the required payments.
Between June and October 2017, Glass made five payments to HMRC totalling £3,876, with the result that the VAT liability had increased to £100,379.
No further payments were made between October 2017 and March the next year.
Between September 2017 and April 2018, available bank statements show £166,711 was paid from Glass’s bank account in total, however during the same period, HMRC received just £774 towards the outstanding VAT liability.
A further sum of £7,500 had been paid by Glass to HMRC - but that was recalled by the bank as the account was overdrawn.
The bank statements show that monies were being paid to other creditors including trade creditors, service companies, insurance and Mr Whiston, who received £27,388.
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Lisa Jane Ashcroft, Ashcroft Ward Ltd
Type of business: Construction of commercial buildings
Disqualification length: Six years
From January 31, 2017, St Helens resident Ms Ashcroft failed to ensure that Ashcroft Ward Limited maintained and/or preserved adequate company records as required by the Companies Act 1985, or failed to give the liquidator these records.
As a result, it is "not possible" to explain credit and debit transactions in the company’s bank account.
The insolvency service said there was no records as to expenditure totalling £564,710 out of Ashcroft Ward’s bank account between January 2017 and October 2018 and in particular, to verify that it was legitimate company expenditure.
A liquidator was appointed in October 2018.
Michael Burke, B B Electrical Nwest Ltd
Type of business: Electrical installation
Disqualification length: Six years
Moreton resident Mr Burke failed to ensure BB Electrical NWest Ltd maintained and/or preserved adequate accounting records from August 2016 through to its liquidation in August 2018, or failed to deliver up these records when required to.
The insolvency service said that as a result of the failures, it had not been possible to establish the true Construction Industry Scheme (CIS) liability for the entirety of the company’s trading history, although HMRC have a claim in the liquidation of £79,743.29.
It added that it was also not possible to determine aspects such as the firm's turnover during that period and the "true level of company creditors".
Mark Philip Cole, Island Parking Solutions Ltd
Type of business: Parking enforcement
Disqualification length: Three years
Island Parking Solutions' accounts for the year ending February 2016 showed liabilities owed to creditors totalled £163,898, of which £77,332 was owed in respect of VAT and £86,566 was owed in respect of liabilities other than VAT.
By October 2018, when the company owned by city centre resident Mr Cole entered liquidation, the amount owed in respect of VAT increased by at least £49,778, whilst the amount owed in respect of liabilities other than VAT reduced by at least £9,373.
Paula Marie Lowey and Roy Lowey, AKA Construction Ltd
Type of business: Construction of civil engineering projects
Disqualification length: Five years
When it was liquidated in September 2017, AKA’s VAT liability was £47,678.
PAYE and CIS liability for the Heswall residents' firm stood at £76,739 on the same date.
In terms of creditors, the Insolvency Service said that between October 2015 and September 2018, AKA made 128 payments to trade creditors totalling £110,39381, payments to an unknown bank account totalling £355,900, 153 cheque payments totalling £108,677, and a further six payments to other unknown bank accounts totalling £10,520.
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Terence George Woods and Mark Patrick May, Maywoods Painting Systems Ltd
Type of business: Painting
Length of disqualification: Three years, six months
Mr Woods of Broadgreen and Mr May of Huyton both failed to file returns and submit all monies due in respect of VAT and Corporation Tax to HMRC, also failing to submit accounts to Companies House.
That included failing to submit details of a Company Voluntary Arrangement in August 2013, and any VAT returns following the CVA.
HMRC then raised VAT assessments for 20 consecutive quarters ending between January 2014 and October 2018 totalling £22,223, together with surcharges of £3,188.
Mr May also failed to submit any Corporation Tax returns to HMRC for the periods ending July 2014 to July 2017, resulting in penalties totalling £2,300.
He also failed to submit any accounts to Companies House for the periods between July 2014 to July 2017, and additionally failed to deliver any accounting records to the Official Receiver.