{"id":10531,"date":"2025-01-09T13:42:10","date_gmt":"2025-01-09T13:42:10","guid":{"rendered":"https:\/\/www.mouthymoney.co.uk\/?p=10531"},"modified":"2025-03-03T08:18:39","modified_gmt":"2025-03-03T08:18:39","slug":"diary-of-an-sme-owner-missing-in-action","status":"publish","type":"post","link":"https:\/\/www.mouthymoney.co.uk\/pensions\/diary-of-an-sme-owner-missing-in-action\/","title":{"rendered":"Diary of an SME Owner: missing in action"},"content":{"rendered":"\n

In his first monthly column of 2025, Michael Taggart continues to tell all about the highs and lows of relaunching and running a tea company, MDTea<\/a>, alongside his wife, Helen. This month, Michael ponders his first bad payer, leaving Twitter \/ X and the death of his mum.<\/h3>\n\n\n\n
\"\"<\/figure>\n\n\n\n


Jan 5th, 2025<\/strong><\/h3>\n\n\n\n

Hello again, Diary. Apols for going M.I.A. these past six months. I lost my proverbial writer\u2019s pen under a metric fucktonne of malaise sometime in May. By June, I was spending more time on social media responding to the posts of complete strangers with the words \u201cit\u2019s *you\u2019re* \u2013 not \u2018your\u2019\u2026\u201d<\/em> than journalling my life as a business owner.<\/p>\n\n\n\n

But, like the legendary phoenix, Gloria Gaynor, and the QR code, I\u2019m back \u2013 and ready to be embraced with double helpings of cyberhugs.<\/p>\n\n\n\n

So much has happened since the end of spring so let\u2019s break it down. <\/p>\n\n\n\n

We had to sue a guy<\/strong><\/h3>\n\n\n\n

About this time last year, we landed what looked to be a fabulous client \u2013 a small chain of delis, run by a middle-aged bloke who seemed a pillar of the community. Chinese businessmen, in their wisdom, have a word for people like this fella. Unfortunately, I can\u2019t remember the word but it\u2019s whatever the Mandarin is for \u201cfucker\u201d.  <\/p>\n\n\n\n

We took until mid-summer to realise The Fucker was a fucker and it happened when we asked a third time for payment for his only order at that point (and since), worth several hundred pounds.<\/p>\n\n\n\n

He responded with what turned out to be the latest in a long line of sham assurances that he\u2019d cough up. By that stage, The Fucker \u2013 shall we call him Mr F from now on to spare small eyes? \u2013 was breaking his promises so regularly, it sometimes felt like some absurd performance art.<\/p>\n\n\n\n

In the end, we required six months of legal manoeuvring to force Mr F to pay us in full and it is now my sworn duty to tell you how this went down (and how other small business owners in a similar situation might fight back):<\/p>\n\n\n\n

STEP ONE:<\/strong> we made a claim for what he owed us at County Court, plus the allowed backdated interest at 13.25% per annum, plus court costs of \u00a350. It was easy \u2013 a short online form, which took 10 minutes to fill out. Mr F did not respond within the allowed 14 days.<\/p>\n\n\n\n

STEP TWO:<\/strong> we sought, and were awarded, a County Court Judgement against him, based on the fact he had not responded. The court ruled that the full sum was payable immediately. We now had a legally enforceable court order.<\/p>\n\n\n\n

STEP THREE:<\/strong> we offered Mr F a generous four-monthly-instalment payment plan, even though we could have demanded every penny that day.<\/p>\n\n\n\n

STEP FOUR:<\/strong> Mr F broke the agreement twice, including when the final payment was due, and \u2013 both times \u2013 we were able to lean on the court order. These were the words we emailed him on the second infraction:<\/p>\n\n\n\n

\u201cIf the funds do not arrive in our account by close of business today, we will begin enforcement of the County Court Judgement against [Mr F\u2019s business] at 9am tomorrow and seek to recoup the entire costs of enforcement from [Mr F\u2019s business].<\/em><\/p>\n\n\n\n

As we’ve informed you, enforcement could involve a County Court Bailiff attending your home or business premises to <\/em>collect the remaining sum or seize goods to sell at auction. We may also seek an order that you attend court <\/em>for detailed questioning on your finances and assets. As we have warned you, failure to attend can lead to you being held in Contempt of Court and committed to prison for a short period.\u201d<\/em><\/p>\n\n\n\n

I intended each word to be a single arrow in a devastating combination of double tops, treble twenties and bullseyes that would have Luke \u2018The Nuke\u2019 Littler returning his darts to Sports Direct in a huff. Mr F paid up within hours of that email.<\/p>\n\n\n\n

We stopped using Twitter \/ X<\/strong><\/h3>\n\n\n\n

This was almost entirely because I want to go to my grave knowing I\u2019ve done close to nothing in support of the aims of Elon Musk, who I\u2019m sure we can all agree is a gargantuan prick. Twitter didn\u2019t really do anything for MDTea anyway. <\/p>\n\n\n\n

Unless you\u2019re Taylor Swift or the BBC, the platform is utterly unsuitable for marketing, and is \u2013 in my view \u2013 far more useful in assisting criminal acts of harassment and incitement to racist violence. <\/p>\n\n\n\n

Some positive business stuff happened (and is still happening)<\/strong><\/h3>\n\n\n\n

We netted some big clients, more of which another time. We also employed a sales agency in November and, while it\u2019s too early to know if it\u2019s money well spent (our sales cycle is typically four to six months), the vibes are good. <\/p>\n\n\n\n

Finally, we\u2019re now doing a natty line in tea tasting workshops<\/a>. That\u2019s largely thanks to the \u201ccan do\u201d verve of the star of the company \u2013 my partner in love and business but not crime, Helen. Let\u2019s run all this up the flagpole for now and see who salutes. Circle back in Feb?<\/p>\n\n\n\n

\n

More from Michael Taggart<\/em><\/a><\/p>\n<\/blockquote>\n\n\n\n

My mum died<\/strong><\/h3>\n\n\n\n

December was by far the best month we\u2019ve ever had in retail sales \u2013 both in the high street and on the website \u2013 but the worst in a more profound way.<\/p>\n\n\n\n

Diary, I told you about my mum\u2019s illness nearly a year ago when she was approaching the final stages of a rare and aggressive neurological disease, called progressive supranuclear palsy. I wrote: \u201cI hope I make MDTea a success while my mum is around to witness our accomplishment.\u201d<\/p>\n\n\n\n

Well, you could make a good case that I failed in that task. My mum breathed her last in the small hours of December 16th in a care home near the house she’d been living in with my dad in Northern France. And that was \u2013 is \u2013  well before I could (or can) declare, hand on heart, that this business is an unqualified \u201csuccess\u201d. <\/p>\n\n\n\n

But I don\u2019t mind. My mum wasn\u2019t well enough during her last six months to have noticed or cared loads about the frankly unimportant ways in which I pay for my life. She just wanted me to be happy. <\/p>\n\n\n\n

That was, as far as she was concerned, the Promised Land and I think she’d been to the mountaintop and I think she’d seen it. Besides, I also wrote in this diary back in February: \u201cI know she already thinks everything I do is a triumph. Mums do, don\u2019t they?\u201d <\/p>\n\n\n\n

They do. Mine did.<\/p>\n\n\n\n

\"\"
Michael’s mum at her graduation in 1970<\/em><\/figcaption><\/figure>\n\n\n\n

I believe I inherited my mum\u2019s love of a singsong, her tendency towards silliness and her ease with a pen \u2013 essentially, the things I like about myself.<\/p>\n\n\n\n

And while France has lost its most francophile Scotswoman \u2013 and Barbara Streisand her most famous fan \u2013 I haven\u2019t lost any of the characteristics my mum gave me.<\/p>\n\n\n\n

It occurs all of a sudden that it happens to be her birthday as I write these words. Happy birthday, Mum. And thanks.<\/p>\n\n\n\n

Photo credits: Michael Taggart<\/p>\n","protected":false},"excerpt":{"rendered":"

In his first monthly column of 2025, Michael Taggart continues to tell all about the highs and lows of relaunching and running a tea company, MDTea, alongside his wife, Helen. This month, Michael ponders his first bad payer, leaving Twitter \/ X and the death of his mum. Jan 5th, 2025 Hello again, Diary. Apols for going…<\/p>\n","protected":false},"author":13,"featured_media":10532,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[2],"tags":[65,1184,1183],"class_list":["post-10531","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pensions","tag-money","tag-owner","tag-sme"],"yoast_head":"\nDiary of an SME Owner: missing in action - Mouthy Money<\/title>\n<meta name=\"description\" content=\"In his first monthly column of 2025, Michael Taggart continues to tell all about the highs and lows of relaunching and running a sme\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mouthymoney.co.uk\/pensions\/diary-of-an-sme-owner-missing-in-action\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Diary of an SME Owner: missing in action - 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