ActionCOACH’s Matt Ewer teams up with Mark Palmer of Cottons Accounting, to present a free seminar for business owners.

After the success of previous events, this seminar is returning to Brownsover Hall Hotel, Rugby on the 5th of March.

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The Cottons 6 Nations

The evenings are starting to get a little lighter, The Beast from the East plans a comeback, those partaking in dry January see a glimmer of light towards the end of their ordeal & Valentines cards are on sale in Clintons.

It can mean only one thing – the rugby 6 Nations Championship starts on Friday 1 Feb.

This annual tournament was won by the Irish last year & they are favourites to do so this year but the competition will be fierce.

For those interested, we are again running the Cottons 6 Nations Prediction Championship!!!!

The competition is open to all of you, your partners, children and colleagues, everyone is limited to one entry.

The idea is to predict the result of all 15 matches before the first one starts, one point per correct prediction and over the 6 weeks we see how everyone does, we will email out a league table and a commentary after every round of matches – it will be a simple spreadsheet and a few mentions in despatches for those doing well and perhaps those not doing so well!

There will alas be no prize money but there will be the glory of a trophy for the winner and of course the enjoyment of beating your know it all colleagues, family, friends etc.

I have attached a picture of last year’s winner, Will Heckford, he scored 13 points and I am told he enjoys polishing his trophy, we will all be looking to dethrone King William. 

I also attach a picture of our own Lisa Malone with the wooden spoon from last year, Lisa said: “at least it’s a trophy”.

Please click here to see an example entry form and click here for a blank form for you to complete.

You simply have to decide whether each of the 15 matches will be a home win, draw or an away win, in the example I sent to Gareth he has of course predicted France v Wales as an away win for Wales,  Scotland v Italy as a home win for Scotland and Ireland v England as a draw and England to score 146 points in the tournament which by coincidence is the same amount as in 2017 when they won the tournament.

For those of you not in the know, there aren’t many draws in rugby and Italy usually come last, nothing is guaranteed though as there are invariably surprises and tense finishes.

To enter simply email your entry to with the outcome of all matches predicted and your estimate of England’s points tally by close of play on Thursday 31 Jan.

Best of luck!

Why do you need a Business Plan for your Start Up?

“A goal without a plan is just a wish.”
― Antoine de Saint-Exupéry

Choosing to start up a new business is both an exciting and challenging endeavour.

It may come as no surprise that a large number of start-up businesses fail due to poor planning.

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Beware calls or automated messages from HMRC saying you are under investigation!

At Cottons, we have noticed an increase in clients receiving cold calls, automated messages or voicemails from scammers impersonating HMRC.

Clients are told that they are under investigation for non-payment of taxes and that they are to call a number to discuss this matter further. On calling this number they are then instructed to pass over their bank details.

Please be assured that this is a scam. These scams are widely reported in the media and by HMRC. While HMRC occasionally uses phone calls or automated messages these generally use a recognisable reference number. HMRC are also unlikely to contact you about a matter such as this out of the blue.

If you do receive a cold call or are unable to verify the identity of the caller please end the call immediately.

To help HMRC investigations you should report full details of the scam by email to, including the date of the call, phone number used and content of the call.

If you do have any concerns with regards to this please contact us and we will be happy to discuss this further.

2018 Highlights from Cottons

It has been a busy 2018 for the team at Cottons. Over the past 12 months, we’ve been busy keeping you up-to-date on the latest changes in legislation, how we can help you save even more money, our offices celebrating anniversaries and even the appointment of a new Partner.

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Budget 2018 – Property Reflections

With over a week passing since the budget and its finance bill now published the dust is starting to settle on The Chancellor’s latest announcements.

In reflecting on these there is one group of individuals which could have more reason than others to feel more than hard done by, landlords.

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The Winter Wolf Challenge

The team from Cottons braced the cold winds, ice cold water and copious amounts of mud to take part in this year’s Winter Wolf Run at Stanford Hall.

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Cottons gains inclusion to Handpicked Accountants

Cottons are delighted to announce that we are the latest accountancy firm to gain inclusion on Handpicked Accountants, an exclusive network of the very best accountants in the UK. Launched in 2017 by the professional services company Begbies Traynor, Handpicked Accountants aims to connect individuals and small business owners with trusted local accountants.

At Cottons, we fully appreciate the importance of small business owners having the support and guidance of an accountant they can rely upon. We pride ourselves on delivering the very highest level of customer service to all our clients whether their business is a start-up taking its first steps, or a well-established company with a growing list of needs.

David Tattersall, Head of Client Relations at Handpicked Accountants, said, “We are thrilled to welcome Cottons Accountants to the Handpicked Accountants family. With over 75 members of staff spread across 4 offices, Cottons have the breadth of experience and expertise to help your business thrive, regardless of the sector or industry. We have no hesitation in recommending the services of Cottons to any Handpicked Accountants customer in the Rugby, Northampton, Daventry, and London area.”

You can view our page on Handpicked Accountants here:

Are you being targeted by email scammers?

Despite all our best efforts, criminals are targeting SMEs with increasingly clever email scams. Businesses need to be incredibly cautious when making payments to suppliers and to be especially aware if they receive new bank details to pay to.
We have recently been contacted by several businesses who have fallen foul of an email invoice scam. We advise our clients to be vigilant to ensure their hard-earned money isn’t finding its way into a criminal’s bank account!
The article below highlights some of the key scams currently being used and the best ways to protect yourself and your business.

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At Cottons, we offer a free consultation with our team -

No obligation, no pressure and no industry jargon.

We are here to help!

Would you like to contact our team?