Hi everyone I'm new here, so be gentle with me! Long story - short summary. My company ( I was a director) recently became insolvent (voluntary arrangement) and I have a joint personal guarantee (with my husband) covering about £22k with HSBC Two things really. Firstly, we are partly in this position due to pressure from the bank, and I am determined to try and recover bank penalty charges from them, together wiith a PPI which I believe we were incorrectly sold to cover a small business loan; both stretching back six years. How do we go about this now that the company has ceased to trade? The idea is not to get hard cash returned, but to 'set off' what we owe. Do we have to apply through the IP (he is not keen to get involved!), or do we have a right to claim on our own behalf? We'd be really grateful for some comments. Secondly, we have been trying to keep some dialogue going over our personal guarantee, but having approached our local business manager, he is very offhand but has now (after 7 attempts) found an address for us to contact. We are keen to freeze any interest and stop any further charges, and pave the way for a full and final offer. The IP has only just sent off the creditors report and we want to keep ahead of the game. Will it win us brownie points to get in touch now or should we wait to be approached. If we approach them, what should we say to safeguard our situation, and should it be sent via the local branch? Sorry it's such a long stream, but it's such a comfort to know there is support out there. Many thanks for any advice you can give us. If this is not in the right thread I am sorry.