Positive Accountants – Our Team

Andy Lock

“I’ll be delighted to talk to you about what you want …  Out of life, out of business – for yourself and your family, and I can help you make the right financial choices to achieve it.

“I love numbers, always have done, yet, I know that’s not the same for everyone, we’ve all got specialisms and expertise and numbers are mine. I am also a big believer in following our dreams and aspirations; how our mindset can affect, not just what, but how we do something. And how that has a tangible effect on our success.

“My role is to ensure that you get the most benefit from the money you generate or receive with cast iron compliance, sound advice and well informed strategies. Talk to me about where you want to be financially and I’ll help you get there.

“Finally, if you’ve been wondering lately, ‘Why not? Why not me? Why not now?’, my answer is, ‘No reason whatsoever.’ Visit my Positive Plus page for more information on business mentoring.”

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Anne Brown
Payroll Support

“I’m the Payroll Team Leader with over 30 years’ payroll experience.

“I can support you with processing your payroll from start to finish. This may include setting up a PAYE scheme, calculating payroll, producing payslips and other relevant reports, together with submitting in Real Time Information (RTI) to HMRC, issuing and submitting P60’s, P11d’s and administering pensions, including auto enrolment.

“Outside work I enjoy keeping fit, socialising, reading and travelling.”

Kelly Garrett
Office Manager

“I can tell you about the progress of your accounts, VAT or tax returns. I also deal with invoicing, billing and more general enquiries.

“If you would like to check in with me before we begin work on your accounts I can tell you what to send us. I’ve also got all the statutory accounting dates and submission deadlines committed to memory!

“I am also here for setting up limited companies, and maintaining bookkeeping records and for any invoicing issues.

“Out of the office I love walking in the Lakes, travelling with my family and trampoline fitness – there’s nothing quite like it…”

Jane Bailey
Tax Assistant

“You will be talking to me about the completion of your personal Tax Returns and any aspect of this process, including tax saving strategies and how different types of income are dealt with.

I also have a few other hats, including bookkeeping and accounts, plus, support and training for QuickBooks and Xero. If you have a query or concern, please don’t hesitate to ask me!

 “Outside work, I am a passionate cook, I love fitness and am a freelance bookkeeper. Sunny days will find me out on my motorbike, indulging my need for an adrenaline rush when time permits!”


Stephen Carter

“You may well be talking to me about your limited company and all the required tax and compliance issues.

“I’ll be delighted to tackle your queries and concerns – I’ve been doing my job for a long time and there’s not much I haven’t seen (or heard). So, whether it’s personal or business tax, accounts, VAT or allowances, if I don’t know the answer I’ll know someone who does.

“When not behind my desk I’m sailing, walking and attempting loads of other outdoor activities.”

Cleonagh Murphy

“I am usually the first person you speak to when you call and, always ready with a welcoming cuppa, will greet you when you visit us.

“My job is also to keep on top of our in-house administration,  which includes sending out company letters and invoices. I’ll be sending you your VAT reminder, so that you don’t miss any deadlines and I’ll be returning all your books and papers to you once we have completed your VAT returns and/or accounts. Hopefully, you won’t be hearing from me about your outstanding bill!

“My young family keep me very busy and fit together with trampolining, Zumba and Irish dancing.”

Juliet Swires

“You will be chatting to me about your business and personal accounts.

“With over 20 years’ experience as a qualified accountant I also enjoy a good knowledge of bookkeeping packages and can support you with any issues or help with things that have gone awry.

“Away from work you’ll find me in my overalls looking after my pedigree Aberdeen Angus cattle and two horses. The Great Yorkshire Show looms large on my annual show calendar, as does my obsession with baking cakes.”

Jo Ford
Accounts Assistant

“My role within the accounts team is to prepare VAT returns and year end accounts.  
“When I am not at work, I love cooking, spending time with my husband, grandkids and walking my dog Bruce.”

Catherine Colbeck

“If you need complete and comprehensive bookkeeping then I will be working with you.

“Working on a full, daily or partial basis, I can come to you, helping to ensure your records are regular and accurate, supporting you with your monthly accounts and VAT returns. Also an accounts assistant, I can support you with preparation of accounts.

“Outside working hours I love socialising with friends and walking my dog in the countryside. I am also studying towards becoming a fully qualified accountant, which involves a lot of studying and revising for the exams.”

Julie Wormald
Bookkeeper / VAT Returns

“With over 30 years’ experience working with small businesses and sole traders, I may be helping you with all your bookkeeping needs.

“From finding the best accounts package for you, be it Xero, Quickbooks or SageOne, showing you how to use the packages and giving you a full bookkeeping service. I also compile and check VAT Returns.

“If I have any spare time it is spent with my  grandson, my horses and looking after many of my other pets!

Jo Cranfield
Accounts Production

“If you’re a company you may well be talking to me about the preparation of your accounts.

“With experience in bookkeeping services, the preparation of VAT returns, SAGE and Quickbooks, I am also able to guide and support you with any problems or concerns you may have in these areas.

“When I’m not poring over the figures you may well find me driving around a disused quarry, covered in mud with the 4×4 off roading club I am a member and treasurer of. Either that, studying for my accountancy exams or out and about with Dexter, my miniature dachshund.”

Zara Steer
Accounts Assistant

“My role is very varied and includes work on preparing year end accounts for sole traders and limited companies.

“With my experience using SAGE and other digital packages, I can help you with cloud accounting, alongside bookkeeping and the preparation of your VAT returns.

“Outside work I am kept busy looking after my young family, as well as caring for and riding my horses.”


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