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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help with RBS Guarentee


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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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so did you sign a personal guarantee?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I think i'd be demanding to see a copy of it

as should all the others

I hope they aren't blindly complying without it going to court?

 

 

who is your letter from please

 

 

can you scan it up to PDF?

follow the UPLOAD

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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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6yrs but as others have capitulated and RBS have had monies against the debt

that resets the clock sadly.

 

 

read the sar clickme link.

 

 

can you scan up the letter you have please follow as above

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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