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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?
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I have no idea TBH its along time ago. If I were to guess then I probably did.
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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.
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Can anyone help? Thanks
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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
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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
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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.
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Ive also had a response to the unfair charges and scanned it up
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Hi No that is what has come from MKDP
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Hi dx100uk Sorry for the delay here is the scanned up CCA response. Thanks
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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.
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Yes they have replied and it looked correct
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Thanks for the reply, Would that be classed as acknowledgment of the debt though?
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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?
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Not according to the FSCS unfortunately
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