No i havent had notification that the loan is enforcable. Basically, its not a loan but a garantee to a business loan that was taken out. I sold up in the business way before it unfortunatly went out of business. Now i basically have two questions, 1- I am sure that all the bank stuff was signed out of my name how do i find this out? 2- I have been assured by my former partner that the bank was paid off in full, how do i find this out? I am very greatful for all the advice being given.

I was hoping someone could give me some further advice on this matter. Apex have sent a copy of the agreement I am disputing. However, i believe the amount has been paid off. Is there something i could write to maybe be sent a statement or something?? Thanks in advance for any help, it is much appreciated.

Many thanks pinky69. That is a great help

I am hoping someone will be able to give me some advice here?? Apex Credit Management contacted me about 3 months ago claiming i had an outstanding balance with Nat west ban k for an amount of money. I have no idea what the outstanding balance is for and have been ignoring the letters. Today i received a letter from HL legal and collections in association with Sampson and co saying court proceedings maybe taken within 7 days if i do not make payment. I was hoping someone would be able to offer some advice on the best way to approach this?? Luckily i dont have a landline so they have not been able to ring me, but i have received 4 letters from the company. Any advice/help would be very greatful. Regards