Name: Hilary Siobhan Murray

Name: K4U SOLUTIONS LIMITED

Date of Birth: 20 / 2 / 1968

Date Order Starts: 12 / 2 / 2026

Disqualification Length: 12 Years  Month(s)

CRO Number: 11983367

Last Known Address: 29 Westmoreland Terrace, , , , LONDON,, SW1V 4AQ

Conduct: On 24 July 2020 Ms Hilary Siobhan Murray (‘Ms Murray’) caused or allowed K4U Solutions Limited (‘K4U’) to obtain a Government-backed Bounce Back Loan (“BBL”) to which it was not entitled as it was not trading on 01 March 2020 as required by the BBL scheme. In that: • The BBL scheme permitted a single loan of up to 25% of a business’ turnover in the calendar year 2019, from a minimum of £2,000 to a maximum of £50,000. If the business was established after 01 January 2019, the 25% limit should have been applied to its estimated annual turnover from the date the business started. The further conditions of applying for a BBL were that a business was trading on 01 March 2020 and at the date of the application. The application form included a declaration to that effect. A BBL was only intended to be used for the economic benefit of the applicant’s business. • K4U was incorporated in May 2019 and filed dormant accounts for the period to 31 May 2020. • Ms Murray was appointed as the sole director of K4U on 15 June 2020; • The report to creditors states that the Company was dormant between May 2020 and Ms Murray’s appointment; • Bank statements record no trading income to the date of Ms Murray’s appointment; • On 24 July 2020 Ms Murray signed an application for a BBL of £50,000 from K4U’s bank and in so doing declared that K4U was trading on 01 March 2020; • The BBL was received into K4U’s bank account on 28 July 2020; • In obtaining a BBL for which it was not eligible K4U received £50,000 in Covid support funding to which it was not entitled; • The bank has submitted a claim in the liquidation for £46,247. On 01 June 2020 Ms Hilary Siobhan Murray (‘Ms Murray’) caused or allowed Brummells Limited ('Brummells') to obtain a maximum Government-backed Bounce Back Loan ('BBL') of £50,000 by overstating Brummells turnover, when it was only entitled to £13,270. Further, on 24 June 2020, Ms Murray caused Brummells to obtain a second BBL loan of £50,000, which it was not entitled to. In that: • The BBL scheme permitted a single loan of up to 25% of a business’ turnover in the calendar year 2019, from a minimum of £2,000 to a maximum of £50,000. If the business was established after 01 January 2019, the 25% limit should have been applied to its estimated annual turnover from the date the business started. The further conditions of applying for a BBL were that a business was trading on 01 March 2020 and at the date of the application. The application form included a declaration to that effect. A BBL was only intended to be used for the economic benefit of the applicant’s business. • Brummells was incorporated in September 2005; • Ms Murray was appointed as the sole director on 25 September 2019; • Accounts for the year to 31 December 2019 record turnover of £53,083; • This income would have entitled Brummells to a BBL of no more than £13,270; • On 01 June 2020 Ms Murray signed an application for a BBL of £50,000 from Brummell’s bank, Bank A; • This BBL was paid into Brummells’ account with Bank A on 15 June 2020; • On 24 June 2020 a second BBL of £50,000 was paid into Brummell’s account with Bank B; • In submitting 2 applications for a total of £100,000 Brummells obtained £86,730 in Covid support funding to which it was not entitled; • Bank A submitted a claim in the liquidation for £51,192 and £50,887 was claimed by Bank B; • The liquidator has recovered £50,887 for the liquidation estate in respect of the second BBL obtained. On 27 October 2020 Ms Hilary Siobhan Murray (‘Ms Murray’) caused or allowed Altramart Limited (“Altramart”) to obtain a Government-backed Bounce Back Loan (‘BBL’) of £50,000 to which it was not entitled as it was not trading on 01 March 2020 as required by the BBL scheme. In that: • The BBL scheme permitted a single loan of up to 25% of a business’ turnover in the calendar year 2019, from a minimum of £2,000 to a maximum of £50,000. If the business was established after 01 January 2019, the 25% limit should have been applied to its estimated annual turnover from the date the business started. The further conditions of applying for a BBL were that a business was trading on 01 March 2020 and at the date of the application. The application form included a declaration to that effect. A BBL was only intended to be used for the economic benefit of the applicant’s business. • Altramart was incorporated in September 2016 and Ms Murray was appointed as the sole director on that date; • The report to creditors states that Altramart’s turnover was £460,000 in the year to 31 October 2019, however its bank statements record no trading income after that time; • On 27 October 2020 Ms Murray signed an application for a BBL of £50,000 from Altramart’s bank and in so doing declared that it was trading on 01 March 2020 and at the date of the application; • The BBL was paid into Altramart’s bank on 29 October 2020; • In obtaining a BBL for which it was not eligible Altramart received £50,000 in Covid support funding to which it was not entitled; • The bank has submitted a claim in the liquidation for £51,156 in respect of the outstanding BBL. On 11 September 2020 Ms Hilary Siobhan Murray (‘Ms Murray’) caused or allowed Beyond Medispa Services Limited (‘BMS’) to obtain a Government-backed Bounce Back Loan (“BBL”) of £50,000. On 14 September 2020, £45,000 of the BBL funds was transferred to a connected company, which was not for the economic benefit of BMS. In that: • The BBL scheme permitted a single loan of up to 25% of a business’ turnover in the calendar year 2019, from a minimum of £2,000 to a maximum of £50,000. If the business was established after 01 January 2019, the 25% limit should have been applied to its estimated annual turnover from the date the business started. The further conditions of applying for a BBL were that a business was trading on 01 March 2020 and at the date of the application. The application form included a declaration to that effect. A BBL was only intended to be used for the economic benefit of the applicant’s business. • BMS was incorporated in March 2017 and Ms Murray was appointed as the sole director on that date; • BMS obtained a BBL of £50,000 from its bank on 11 September 2020 following which the balance on the account was £50,004; • On 14 September 2020 £45,000 was transferred to a connected company; • This transfer was funded by the BBL and was not for the economic benefit of BMS’s business. • The bank has submitted a claim for £48,129 in the liquidation. 

This information is correct as at 29 / 1 / 2026

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