Name: Lorence  Disha

Name: A. L. HCW LTD

Date of Birth: 10 / 7 / 1992

Date Order Starts: 8 / 9 / 2025

Disqualification Length: 10 Years 0 Month(s)

CRO Number: 10699067

Last Known Address: 32 Jolley Way,, , , , CAMBRIDGE,, CB4 2QZ

Conduct: On 07 October 2020, Lorence Disha aka Lorenc Disha (”Mr Disha”) caused A. L. HCW Limited(“HCW”) to breach the terms and conditions of the Government-backed Bounce Back Loan (“BBL”) scheme by overstating its turnover on the BBL application resulting in HCW receiving more funds from the BBL scheme than it was entitled to. Furthermore, not all the BBL funding was used for the economic benefit of HCW in that: • The BBL scheme stated that companies could apply for a BBL of up to 25% of their turnover for between £2,000 and a maximum of £50,000. Companies which had commenced trading prior to 01 January 2019 could apply for a loan based on their turnover for the 2019 calendar year; applicants that had begun trading after 1 January 2019 could apply for a loan based on estimated annual turnover. HCW was eligible to base their application on their turnover for the 2019 calendar year. • HCW was incorporated on 30 March 2017. Mr Disha was HCW’s sole director from 09 February 2020 until the company entered Creditors Voluntary Liquidation on 06 March 2023. • HCW commenced trading from incorporation. • HCW’s financial statements for year ending 31 March 2019 and 31 March 2020 declared turnover of £61,297 and £50,532 respectively, • HCW’s bank statements for the calendar year 2019 show income totalling £27,002. • On 07 October 2020 Mr Disha applied for a BBL of £40,000 stating turnover of £160,000. • Based on the financial statements of HCW, the turnover for 2019 would have been £53,223 and entitled HCW to a BBL of no more than £13,306. • On 09 October 2020, £40,000 was credited to HCW’s bank account. • HCW obtained £26,694 more in BBL funding that it was entitled to. • The BBL Scheme required the applicant to declare that the BBL funds would be used for the economic benefit of the Company and not be used for personal benefit • Prior to receipt of the BBL funds HCW’s account was £3,918 in credit. • Between 09 October 2020 and 18 November 2020, a total of £ 9,318 was credited to the bank account including £1,867 CJRS payment. • During the same period three payments were made totalling £21,257 for the personal benefit of Mr Disha, • Mr Disha has provided no evidence to show that the BBL was used for the economic benefit of HCW • HCW entered Creditors’ Voluntary Liquidation on 6 March 2023 • At liquidation £32,308 remained outstanding in respect of the BBL. 

This information is correct as at 18 / 8 / 2025

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