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HSBC chasing Personal Guarantee on old business loan


Trader1
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I had a balance from a business loan with this bank,

the business since ceased trading and naturally the bank wanted it repaid,

but I dispute the figures the bank are asking and they have been pursuing me for a few years now, the only assets I have are my home.

 

The situation is becoming unbearable as it has been going on for so long as the case is being handled by their team in India and it can take weeks/months for them to reply and it is clear there is a ''comprehension'' issue with information issued to them.

 

Over the years I have paid for professional services and it seems nothing is being achieved,

I feel I am being held to ransom as they have a 2nd charge on my home so I cannot move and feel any improvements or maintenance/repairs I carry out on the home are pointless and will only increase equity.

 

The situation is unacceptable,

how can I get them to see reason when they cannot even understand my situation,

can they be allowed to do this?

are there any guidelines they should be following?

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If they have a charge

Why are they chasing???all

 

There's no need

Unless its only a restriction k?

 

Is the home jointly owned?

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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