where do i start?

[dave121]

hi guys brilliant forum please be patient and read.........

ok , i took over a ltd co for 2 years (employee buy out, owner retiring)
i signed for a lease at will? as i was not prepared to do a normal lease until the takeover was stable.
they accepted this and everything was fine ..........
18 months later the ltd co ran into difficultys with a a bad debt
we did a job for a guy who did not pay us .... the amount was £23000
this unfortunatly took us to voluntary liquidation.
so everything went ok with the practioneers, nothing underhand, everything out on the table...... relived but gutted somebody wiped us out.
3 months later the landlord says his lease has run out and sends me a bill for ......get this 53000k for dilipidations... after i got up off the floor , i told him to contact the liquidators as we were a ltd co.....
no more word untill 2 months later ,
i then get a summons for court personally for the 53k?
they said i signed a lease at will trading as "the co"
WHAT? i went to court explaining we were a ltd co , but the letter i signed did not have ltd at the end of the companys name and i was found to be personally responsible for the debt,
well,, i will tell you my world fell apart, i could not understand what was happening, was i dreaming??......... unfortunatley not....
a few weeks later my once stable marriage was close to breaking point i was in a right mess....
then the bombshell.... a charging order on my house!!
i was told all it means is , when you sell they get their cash before you??
ok i thought no plans to sell not happy but swallowed it...
and now to the present.....
just got a letter from a solicitor saying they are appling for a "order of sale!!!"
so i am at my witts end, 2 children, a very supportive wife (until now maybe?) all because i tried to better my self
there is little equity in the house help guys please i dont want to lose my wifes family home for 30 years.......
regards dave

[benson05]

Hi,

Firstly I would get in touch with National Debt Line who will offer correct advice, the service is free and they are really informative. Having been threatned with charging order etc myself I am pretty sure i is unusual for creditors to get an order of Sale after a charging order, assume you have made correct payments under the c/o and are not behind with them. There are many arguments you can use to prevent an order of sale and the National Debt Line will send you leaflets etc.

Most importantly-dont panic,

Kind regards,

Benson

[dave121]

there was no terms on the charging order just i had to pay it in full
i looked in my wallet and did not find 53k ??
can i use my wifes share in the property in any way , saying it is not fair on a innocent party?

[dave121]

bump