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Mminionator

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  1. HPH2 Ltd (ex lloyds commercial) is what it says. Also, my name is spelled incorrectly, does that help my case?
  2. Hi The figure they're asking for is for the overdraft amount. I remember the amount and it matches exactly. I do not remember the balance of that account because it was so long ago. But it would have been within that overdraft limit.
  3. Hi Apologies if I was not clear. I had to personally guarantee the overdraft for the company bank account. I do not remember the details of the agreement, but just that if the current account defaulted then I would be personally responsible. This was signed in the bank. The guarantee was taken out perhaps around 2011. Account closed in 2013 after I voluntarily dissolved it. No chase from bank until sometime afterwards, perhaps a year. I made no contact with the bank or any other party regarding this amount during that time. Now a DCA is pursuing me for it over the past few months out of the blue.
  4. Hi I haven't made any payments to the bank. The accounts were all closed and I ignored requested to pay. I don't have the DCA letter to hand so can't say who they are at the moment.
  5. Hello everyone, Please be nice, I appreciate this trouble was something that happened when I was not as smart around money. I have learned my lessons and now doing well. The problem I have is a company I used to be a director of. My partner left the country and me saddled with the personal overdraft guarantee of £2000. No other debts. It is difficult to remember all the details, but I remember it was for an overdraft with barclays commercial banking. I had to dissolve the company, appropriately notifying companies house. This all happened without a problem. Company dissolved as of January 2013. A year or so later I was told I was liable for that money via letter. I ignored it - I know, head in sand not a good idea, but just didn't know what to do at the time. The letters stopped eventually. Now I've had a debt collection company get in touch recently out of the blue. But, given this occurred that long ago, and I never communicated with the bank after dissolving the company about this debt, is this debt still enforceable? Would really appreciate help with this. Thanks, M
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