Hi,

I have found my self in a very similar situation, but I did send a letter and called the bank to inform of my resignation of directorship and the company secretary had sent a fax asking for restriction of my access to the accounts as the parting was not amicable.

When I initially spoke to the bank they said I was not noted on any loan or accounts, later in the year when the company was look to fold they contact me as a guarantor. I really do not believe this to be fair treatment of a guarantor when both parties inform the bank and they do noting and keep me on a insurance policy. Please note that I have raised with FOS but have only gained a negative response, as BankFodder had said that the contract has tied me in, so...

1) I was wonder if helgawb had any joy with resolving the issue?

2) If anyone has any other suggestion on handling this situation with the bank in question Santander?

Thank you to all that are contributing.

I have received a letter from Nat West Bank regarding a £14,000 overdraft which was held joint and severally with two other directors of a company. I left the company in 2009 and resigned as a director. The two other directors (a husband and wife) continued to run the company, and I had nothing to do with it from then on. I asked them to remove me from the guarantee, and was assured by them that they would draw up a new agreement with the bank. I naively believed that this would be done, and was also told by the someone at the bank (I now know wrongly) that I could not remove myself from the agreement, that they, the remaining directors, would have to draw up a new agreement.

The company went into liquidation about 5 months ago, and at the time I found out I contacted the bank to find out what my situation was.They said that i was still a guarantor, and that I would be liable when the bank called it in. I argued that I had been told by the directors that they would remove me, and that I hadn't been aware that they hadn't. The person at bank collections said that they would try and remove me, they had checked companies house and could see I had ceased to be a director some time ago, and they would see what they could do. I continued to try talking with them, until I eventually lost track of them, got put on the phone with a new person at collections, who I explained the situation to. He said he couldn't even find me on their system, so he thought I must have been removed (!).

Now, I have just received a letter(as have the other 2 directors) asking me to pay the debt within 7 days. I obviously was never removed from the agreement, and what's more, have wasted several months when I could have tried to do something about it. Very stupidly, I have no records of conversations or anything in writing about any of this, as everything was conducted verbally. In retrospect, knowing what I know now, I would have written to bank when I first left, but I trusted the other directors. They did nothing, and now I am liable. I just need any advise or help as I don't know what to do next - I will write to the bank explaining all this, but am very worried about the debt - both on my credit record, and as they are asking for my income details, house value etc., on the form.

Hello,

 

Regarding the quote above I have received a ticket from the council for the exact reason. I was going to turn left at the lights ahead but the bus lane went short of the left, I took the left by entering the bus lane which was towards the end of the lane with a sign showing end of bus lane. They have sent me a PCN with a picture of my car in the lane but they have not taken into consideration that there is a left just ahead.

 

Does anyone believe I have any grounds to appeal the PCN that I have received?

 

Thank you for responses in advance.

This PCN was issued by Harrow Council in London. Traffic contravention: BEING IN A BUS LANE.

The alleged contravention was seen and recorded by camera operator number 321 who was observing real time pictures from a road side camera at the time.

I have 14 days from the date of the notice which is 23/08/13 to get a reduced fine (50%) and 28 day to settle the full amount at £130.

Please let me know if further information is required. Thank you

No, I think you are confusing it with entering the bus lane before you get to a left hand turning.

Hello,

Regarding the quote above I have received a ticket from the council for the exact reason. I was going to turn left at the lights ahead but the bus lane went short of the left, I took the left by entering the bus lane which was towards the end of the lane with a sign showing end of bus lane. They have sent me a PCN with a picture of my car in the lane but they have not taken into consideration that there is a left just ahead.

Does anyone believe I have any grounds to appeal the PCN that I have received?

Thank you for responses in advance.