Hi People I have spent the last few days reading through lots of different posts trying to see if anyone has the same problem as us, I'm not sure if I am just not looking in the right place or if similar problems to ours just hasn't arisen here. Anyway I have decided to take the 'bull by the horns' and ask for help with our specific problem. If I am in the wrong place can someone please point me in the right direction? Thanks Our story is quite long & complicated so I will keep things to the bare basics for now, obviously I am happy to elaborate & answer any questions. About 3 years ago a bank agreed to fund us between £50k & £100k for our business. An account was set up for us & the bank put the money into the account. We never, ever signed anything, not to open the account, not to borrow money, nothing. Things became quite messy with the bank as the 'credit crunch' hit & the manager messed us about & went back on his word on several occasions. The bank then demanded that we pay back the money. We have asked the bank for copies of any agreements we may have had with them, we have been told that there are no signed or un-signed agreements. We have no idea of what interest rates we are being charged or what the banks terms & conditions are. The bank has now instigated court proceedings. As I said before, this is a very basic outline regarding our situation. Does anyone out there have any idea of where we stand with this & how we go about things with the court? Thank you in advance for your help Mucky pup