Will asking to see it admit the debt? What kind of letter should it be a SAR? Also how long does a personal guarantee last as it's been 7 years since I last left and also over 6 years since the company went insolvent?

I have no idea TBH its along time ago. If I were to guess then I probably did.

Hi, In 2009 I was a director at a company and I stupidly signed an overdraft guarantee with the bank along with another 3 directors. I was the only non share owning director. Each of the other directors secured their houses but I didn't as I didn't own any property so it was considered unsecured I guess. In mid 2010 I left the company and give notice to the bank that I had left, The company subsequently went insolvent very early in 2011. In 2012/2013 2 of the directors have had their houses repossessed and I recently heard the 3rd director has been chased for the remainder and is having to give up their house, I guess there must be a balance left now as they are chasing me. I had a visit from a collection agent earlier this year asking me about something I guaranteed 8 years ago but he didn't know what it was so I said "I don't know what you are talking about and closed the door". this morning I have received a letter demanding my outgoings to cover the remainder. This letter does not tell me how much is owed and I have never had a formal demand for the balance. I am at a loss of what to do and don't want to admit anything to them and i'm completely gutted. Can someone help me please and advise what I should do. Thankyou.

Can anyone help? Thanks

Hi, I've had a response regarding the missing £370 in there PPI calculation. It all looks like rubbish to me. I would appreciate another pair of eyes to see if they are talking rubbish or not as its beyond me. Many Thanks

Thanks dx100uk In the calculations Welcome came back with they never took into consideration the Personal Accident Plan and Lifecare 24 Amounts, I have been told by the FSCS I have to write to Direct Group to find out if I was insured with them

Thanks dx100uk I'm getting all worked up and upset and not sure what to do now. This is a recap of where we are 1. PPI I won and have £300+ offset on the balance to MKDP, I am awaiting evidence/complaint that £360 was refunded to loan 2 which it was not and Welcome are finding evidence of that, FSCS advised I did this 2. Unfair charges as above (you suggest I write another letter and make a complaint?) 3. Getting information regarding Lifecare and the other rubbish insurance from Direct Group Ltd, I then have to forward that info and another PPI type form for that to FSCS. mean while I am being sent letters from MKDP demanding payment. I just don't know what to do, I want to get this sorted and pay off this debt but not sure what I should do with them while all the above is going on.

Ive also had a response to the unfair charges and scanned it up

Hi No that is what has come from MKDP

Hi dx100uk Sorry for the delay here is the scanned up CCA response. Thanks

Yes I never heard off welcome for a few years, MKDP aquired the debt in May and I have had 3 letters from them but after the 1st letter I sent a CCA.

Yes they have replied and it looked correct

Thanks for the reply, Would that be classed as acknowledgment of the debt though?

while my complaints are being investigated by Welcome and FSCS I am receiving letters from MKDP regarding getting into contact with them to sort a payment out! How do I proceed with them at this stage?

Not according to the FSCS unfortunately