<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Qube Talk]]></title><description><![CDATA[Engage, Listen, Connect with Qube Talk]]></description><link>https://www.qubetalkpodcast.co.uk/podcast</link><generator>RSS for Node</generator><lastBuildDate>Fri, 23 Oct 2026 14:15:54 GMT</lastBuildDate><atom:link href="https://www.qubetalkpodcast.co.uk/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[VAT on Service Charges: Who Pays It and How Does It Work in Mixed-Use Developments?]]></title><description><![CDATA[Qube Talk: Service Charge Accounting Insights LISTEN HERE VAT on service charges can be one of the most confusing areas of residential block management, particularly when a development contains both residential flats and commercial units. Who actually pays the VAT? Can VAT be reclaimed on maintenance, cleaning and management fees? What happens when residential and commercial properties share expenses? And how can managing agents ensure VAT is correctly recorded in their service charge...]]></description><link>https://www.qubetalkpodcast.co.uk/post/vat-on-service-charges-who-pays-it-and-how-does-it-work-in-mixed-use-developments</link><guid isPermaLink="false">6ad1d27f4837cdef095b8c86</guid><pubDate>Fri, 16 Oct 2026 07:47:35 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/193f8a_c043cad196cd45a09e96fd0b3d8d9cd0~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Qube Accountants</dc:creator></item><item><title><![CDATA[Does Your Lease Require an Audit? Understanding Service Charge Accounts and Registered Auditors]]></title><description><![CDATA[Qube Talk: Service Charge Accounting Insights  LISTEN HERE Do Service Charge Accounts Need to Be Audited? Does your lease require an audit of your service charge accounts? And if it does, do you actually need a registered auditor? These are important questions for managing agents, Resident Management Companies (RMCs), Right to Manage (RTM) companies, landlords and leaseholders across the UK. Misunderstanding the requirements can result in unnecessary professional fees, delays and...]]></description><link>https://www.qubetalkpodcast.co.uk/post/does-your-lease-require-an-audit-understanding-service-charge-accounts-and-registered-auditors</link><guid isPermaLink="false">6ad1c8aebdcf817101517b11</guid><pubDate>Fri, 16 Oct 2026 07:24:19 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/193f8a_c043cad196cd45a09e96fd0b3d8d9cd0~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Qube Accountants</dc:creator></item><item><title><![CDATA[Interest Income in Block Management: Who Owns It and What Are the Tax Implications?]]></title><description><![CDATA[Qube Talk: Service Charge Accounting Insights LISTEN HERE Interest income in residential block management can raise important questions for managing agents, Resident Management Companies (RMCs), Right to Manage (RTM) companies and leaseholders. Who owns the interest earned on service charge funds? Does it belong to the management company or the leaseholders? When does interest income create a tax obligation? And can a company remain dormant while a trust tax return is required? In this...]]></description><link>https://www.qubetalkpodcast.co.uk/post/interest-income-in-block-management-who-owns-it-and-what-are-the-tax-implications</link><guid isPermaLink="false">6ad1b3bb9caf1d0cdb0b9708</guid><pubDate>Fri, 16 Oct 2026 05:37:50 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/193f8a_c043cad196cd45a09e96fd0b3d8d9cd0~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Qube Accountants</dc:creator></item><item><title><![CDATA[What Should Leaseholders Look for in Service Charge Accounts?]]></title><description><![CDATA[Qube Talk: Service Charge Accounting Insights LISTEN HERE Welcome to another episode of Qube Talk, where we discuss all things service charge accounting. I’m Ray Armand, and I’m joined by CJ Ralfe. Today, we’re putting ourselves in the shoes of a leaseholder. Imagine you arrive at an AGM and you’re handed a set of service charge accounts. What should you actually look at? What figures matter? What questions should you ask? And how can you tell whether something deserves further explanation?...]]></description><link>https://www.qubetalkpodcast.co.uk/post/what-should-leaseholders-look-for-in-service-charge-accounts</link><guid isPermaLink="false">6acddb51acfb43cb24df65de</guid><pubDate>Tue, 13 Oct 2026 07:29:25 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/193f8a_c043cad196cd45a09e96fd0b3d8d9cd0~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Qube Accountants</dc:creator></item><item><title><![CDATA[Why Leaseholders Challenge Service Charge Accounts – and How Managing Agents Can Reduce Queries]]></title><description><![CDATA[Qube Talk: Service Charge Accounting Insights LISTEN HERE Welcome to another episode of Qube Talk, where we discuss all things service charge accounting. I’m Ray Armand, and I’m joined by CJ Ralfe. Today, we’re discussing why leaseholders challenge service charge accounts and what managing agents can do to reduce the risk of those challenges happening in the first place. From the conversations we have with managing agents, we’ve definitely noticed an increase in leaseholders questioning...]]></description><link>https://www.qubetalkpodcast.co.uk/post/why-leaseholders-challenge-service-charge-accounts-and-how-managing-agents-can-reduce-queries</link><guid isPermaLink="false">6ac88b73b89f0f638e3bd062</guid><pubDate>Fri, 09 Oct 2026 06:49:42 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/193f8a_c043cad196cd45a09e96fd0b3d8d9cd0~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Qube Accountants</dc:creator></item><item><title><![CDATA[Who Should Sign Service Charge Accounts? A Guide for Managing Agents]]></title><description><![CDATA[Qube Talk: Service Charge Accounting Insights LISTEN HERE Welcome to another episode of Qube Talk, where we discuss all things service charge accounting. I'm Ray Armand, and I'm joined by my sister and business partner, CJ Ralfe. Today, we're tackling a deceptively simple question: Who should be signing what? More specifically: Who should sign the accountant's engagement letter? Who should approve and sign off the service charge accounts? Who should sign statutory company accounts? Who within...]]></description><link>https://www.qubetalkpodcast.co.uk/post/who-should-sign-service-charge-accounts-a-guide-for-managing-agents</link><guid isPermaLink="false">6ac879a686e1da51f6fafd94</guid><pubDate>Fri, 09 Oct 2026 05:49:17 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/193f8a_c043cad196cd45a09e96fd0b3d8d9cd0~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Qube Accountants</dc:creator></item><item><title><![CDATA[How Managing Agents Can Improve Their Service Charge Accounting Processes]]></title><description><![CDATA[Qube Talk: Service Charge Accounting Insights LISTEN HERE Welcome to another episode of Qube Talk, where we discuss all things service charge accounting. I'm Ray Armand, and I'm joined by CJ Ralfe. Today, we're doing something a little different. Usually, CJ and I plan our episodes in quite a lot of detail so we know exactly which points we're going to cover. This time, we're taking a more informal approach. Imagine we're sitting down with you, the managing agent, over a cup of coffee and...]]></description><link>https://www.qubetalkpodcast.co.uk/post/how-managing-agents-can-improve-their-service-charge-accounting-processes</link><guid isPermaLink="false">6ac80656d3466ffa9b93b115</guid><pubDate>Thu, 08 Oct 2026 21:28:08 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/193f8a_c043cad196cd45a09e96fd0b3d8d9cd0~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Qube Accountants</dc:creator></item><item><title><![CDATA[Related Party Transactions in Service Charge Accounting: A Guide for Managing Agents]]></title><description><![CDATA[Qube Talk: Service Charge Accounting Insights LISTEN HERE Welcome to another episode of Qube Talk, where we discuss all things service charge accounting. I'm Ray Armand, and I'm joined by CJ Ralfe. Today, we're untangling related party transactions. Have you ever been asked by your service charge accountant whether there are any transactions with related parties and found yourself wondering what exactly they're asking? If so, this episode is for you. There are three pain points we repeatedly...]]></description><link>https://www.qubetalkpodcast.co.uk/post/related-party-transactions-in-service-charge-accounting-a-guide-for-managing-agents</link><guid isPermaLink="false">6ac8033f7e593533d02286f0</guid><pubDate>Thu, 08 Oct 2026 21:05:19 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/193f8a_c043cad196cd45a09e96fd0b3d8d9cd0~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Qube Accountants</dc:creator></item><item><title><![CDATA[Are You Giving Your Service Charge Accountant What They Actually Need?]]></title><description><![CDATA[Qube Talk: Service Charge Accounting Insights LISTEN HERE Welcome to another episode of Qube Talk, where we discuss all things service charge accounting. I'm Ray Armand, and I'm joined by CJ Ralfe. Today, we're discussing an important question for managing agents: Are you giving your service charge accountant what they actually need? You might think that once you've handed over your year-end information, you're done. But providing the right information, in the right format and at the right...]]></description><link>https://www.qubetalkpodcast.co.uk/post/are-you-giving-your-service-charge-accountant-what-they-actually-need</link><guid isPermaLink="false">6ac72793373ea30d2b629575</guid><pubDate>Thu, 08 Oct 2026 06:42:16 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/193f8a_c043cad196cd45a09e96fd0b3d8d9cd0~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Qube Accountants</dc:creator></item><item><title><![CDATA[One Block, One Bank Account: Why Separate Client Accounts Matter for Managing Agents]]></title><description><![CDATA[Qube Talk: Service Charge Accounting Insights LISTEN HERE Welcome to another episode of Qube Talk, where we discuss all things service charge accounting. In this episode, Ray Armand and CJ Ralfe from Qube Accountants discuss why managing agents should consider having a separate designated client bank account for each site they manage, rather than pooling service charge funds from multiple developments into one bank account. It sounds like a relatively simple administrative decision, but the...]]></description><link>https://www.qubetalkpodcast.co.uk/post/one-block-one-bank-account-why-separate-client-accounts-matter-for-managing-agents</link><guid isPermaLink="false">6ac4a257be2a50557c906f4a</guid><pubDate>Tue, 06 Oct 2026 07:48:23 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/193f8a_c043cad196cd45a09e96fd0b3d8d9cd0~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Qube Accountants</dc:creator></item><item><title><![CDATA[Getting Service Charge Cost Allocation Right: A Guide for Managing Agents]]></title><description><![CDATA[Qube Talk: Service Charge Accounting Insights LISTEN HERE Welcome to another episode of Qube Talk, where we talk all things service charge accounting. In this episode, Ray Armand and CJ Ralfe from Qube Accountants discuss an area that can create significant problems for managing agents if it isn't handled correctly: allocating service charge costs across multi-schedule and multi-block developments. When a development contains several blocks, freehold houses, leasehold properties, townhouses...]]></description><link>https://www.qubetalkpodcast.co.uk/post/getting-service-charge-cost-allocation-right-a-guide-for-managing-agents</link><guid isPermaLink="false">6ac49b97f085ae40ec22cab4</guid><pubDate>Tue, 06 Oct 2026 07:13:38 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/193f8a_c043cad196cd45a09e96fd0b3d8d9cd0~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Qube Accountants</dc:creator></item><item><title><![CDATA[How to Allocate Service Charge Costs Correctly Across Multi-Schedule Developments]]></title><description><![CDATA[Qube Talk: Service Charge Accounting Insights LISTEN HERE Welcome to another episode of Qube Talk, where we discuss all things service charge accounting. In this episode, Ray Armand and CJ Ralfe from Qube Accountants discuss an issue that can cause significant problems for managing agents, leaseholders and property owners: incorrect service charge cost allocation across multi-schedule and multi-block developments. When a development contains different blocks, freehold houses, leasehold...]]></description><link>https://www.qubetalkpodcast.co.uk/post/how-to-allocate-service-charge-costs-correctly-across-multi-schedule-developments</link><guid isPermaLink="false">6ac48aa6be2a50557c903ac7</guid><pubDate>Tue, 06 Oct 2026 06:44:21 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/193f8a_c043cad196cd45a09e96fd0b3d8d9cd0~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Qube Accountants</dc:creator></item><item><title><![CDATA[Do Service Charge Accounts Need an Audit? What Managing Agents Need to Know]]></title><description><![CDATA[Qube Talk: Service Charge Accounting Insights LISTEN HERE Welcome to another episode of Qube Talk, where we discuss all things service charge accounting. One question we are regularly asked by managing agents is: “Can we avoid having a service charge audit even if the lease says an audit is required?” It's a good question, and the answer isn't always straightforward. In this episode, Ray Armand and CJ Ralfe from Qube Accountants discuss service charge audits, lease requirements, independent...]]></description><link>https://www.qubetalkpodcast.co.uk/post/do-service-charge-accounts-need-an-audit-what-managing-agents-need-to-know</link><guid isPermaLink="false">6ac482f6be2a50557c90292a</guid><pubDate>Tue, 06 Oct 2026 05:38:05 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/193f8a_c043cad196cd45a09e96fd0b3d8d9cd0~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Qube Accountants</dc:creator></item><item><title><![CDATA[Service Charge Accounts, Dormant Companies, Ground Rent and Interest: A Guide for Managing Agents]]></title><description><![CDATA[Qube Talk: Service Charge Accounting Insights LISTEN HERE Welcome to another episode of Qube Talk, where we discuss all things service charge accounting. In this episode, Ray Armand and CJ Ralfe from Qube Accountants tackle an area that can cause significant confusion for managing agents: understanding what an RMC or RTM may need to submit to Companies House and HMRC, particularly when ground rent or interest income is involved. The accounting and tax treatment can vary depending on the...]]></description><link>https://www.qubetalkpodcast.co.uk/post/service-charge-accounts-dormant-companies-ground-rent-and-interest-a-guide-for-managing-agents</link><guid isPermaLink="false">6ac41cd7f42c05251bc3f4b5</guid><pubDate>Mon, 05 Oct 2026 21:56:59 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/193f8a_c043cad196cd45a09e96fd0b3d8d9cd0~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Qube Accountants</dc:creator></item><item><title><![CDATA[Service Charge Year Ends, Budgets and Invoicing: Why the Lease Matters]]></title><description><![CDATA[Qube Talk: Service Charge Accounting Insights LISTEN HERE Welcome to Qube Talk, where we discuss all things service charge accounting. In this episode, Ray Armand and CJ Ralfe from Qube Accountants take a deeper look at one of the most important documents in service charge management: the lease. In particular, they explore how the lease can affect the service charge year end, budgeting timetable, service charge invoicing dates, payment dates, cash flow and statutory accounting periods. For...]]></description><link>https://www.qubetalkpodcast.co.uk/post/service-charge-year-ends-budgets-and-invoicing-why-the-lease-matters</link><guid isPermaLink="false">6ac40afd0e8de61d1d0dafe2</guid><pubDate>Mon, 05 Oct 2026 20:49:59 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/193f8a_c043cad196cd45a09e96fd0b3d8d9cd0~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Qube Accountants</dc:creator></item><item><title><![CDATA[7 Common Service Charge Accounting Mistakes Managing Agents Should Avoid]]></title><description><![CDATA[Qube Talk: Service Charge Accounting Insights LISTEN HERE Welcome to Qube Talk, where we discuss all things service charge accounting. In this episode, Ray Armand and CJ Ralfe from Qube Accountants discuss seven of the most common mistakes they see managing agents make when dealing with service charge bookkeeping and accounts. From incorrectly allocating day-to-day expenditure to failing to follow the lease, getting billing periods wrong and misunderstanding reserve funds, ground rent and...]]></description><link>https://www.qubetalkpodcast.co.uk/post/7-common-service-charge-accounting-mistakes-managing-agents-should-avoid-1</link><guid isPermaLink="false">6ac405def42c05251bc3c393</guid><pubDate>Mon, 05 Oct 2026 20:33:56 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/193f8a_c043cad196cd45a09e96fd0b3d8d9cd0~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Qube Accountants</dc:creator></item><item><title><![CDATA[Qube Talk: Meet the Team Behind Qube Accountants]]></title><description><![CDATA[Service Charge Accounting Insights for Managing Agents LISTEN HERE Welcome to Qube Talk, the podcast where we talk about all things service charge accounting. In this first episode, hosts Ray Armand and CJ Ralfe introduce themselves, share the story behind Qube Accountants, and explain why they are passionate about helping managing agents improve their service charge accounting processes. They discuss their backgrounds as Chartered Accountants, how two sisters based in different countries...]]></description><link>https://www.qubetalkpodcast.co.uk/post/qube-talk-meet-the-team-behind-qube-accountants</link><guid isPermaLink="false">6ac3b51410d33c5bea33de5f</guid><pubDate>Mon, 05 Oct 2026 14:47:26 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/193f8a_c043cad196cd45a09e96fd0b3d8d9cd0~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Qube Accountants</dc:creator></item></channel></rss>