Name: James Coe

Name: COE TEST CONSULTING LTD

Date of Birth: 16 / 5 / 1980

Date Order Starts: 27 / 5 / 2026

Disqualification Length: 11 Years  Month(s)

CRO Number: 08217861

Last Known Address: Lillesden Frith, Horns Road, Hawkhurst, CRANBROOK, , TN18 4QS

Conduct: I caused Coe Test Consulting Ltd ('CTC') to breach the terms and conditions of the Government backed Bounce Back Loan ('BBL') scheme by applying for two government backed BBLs of £22,000 and £35,000, when I knew, or ought to have known, CTC was not eligible for either loan, in that: • The BBL scheme terms allowed businesses to receive a loan of up to 25% of their annual turnover for the 2019 calendar year. Businesses could receive a BBL of between £2,000 and £50,000. If a company was established after 01 January 2019, it was allowed to estimate turnover from the date the company started to trade. • A business was only eligible for a BBL if it was carrying on business on 1 March 2020, engaged in trading or commercial activity in the UK at the date of the application and had been adversely affected by coronavirus (COVID-19). The information provided was self-certified by the applicant. • The terms of the BBL scheme stated that the BBL was to be used only for the economic benefit of the business it was being claimed for, used wholly for business purposes and not personal purposes. • CTC was incorporated at Companies House on 17 September 2012 and was trading before 01 January 2019, therefore required to provide actual tumo,ver for the calendar year 2019 in the BBL application. • On 04 May 2020, I applied for a £22,000 BBL from Bank A for CTC and declared a turnover of £94,000 for the calendar year 2019. • On 23 July 2020, I applied for a second BBL of £35,000 from Bank B for CTC and declared a turnover of £165,000 for the calendar year 2019. • Filed accounts for the periods ending 30 September 2019 and 30 September 2020 both report nil turnover. As a result, CTC did not meet the eligibility criteria for a Bounce Back Loan and should not have received a BBL of any amount. • On 6 May 2020, the company's account with Bank A received the £22,000 BBL funds. On 7 May 2020, the sum of £22,000 was transferred from the company account to a personal account belonging to me. • On 30 September 2020, the company's account with Bank B received a payment of £35,000 of BBL funds. Between 5 October 2020 and 6 October 2020, a total of £34,989.30 was transferred from the company account to a personal bank account belonging to me• The payments made to me from the BBL funds were not for the economic benefit of CTC. • At liquidation CTC had total creditors of at least £88,918.39 including amounts of £13,574.60 owed to Bank A and £34,915.88 owed to Bank Bin respect of the BBLs. 

This information is correct as at 8 / 5 / 2026

If you believe this page contains any errors, please email legalservices@insolvency.gov.uk with details of the error that you have found.