Ok, I have finally got this converted to a PDF and attached to the bottom of this post,.. + I have some good news (or at least I hope its good news)...
When I posted this thread originally I said it was next month, But it was actually next week, which was today. I was worried their solicitors may visit the forum and see what I had posted and know it was me who was looking advice.
I went to court today and the judge said (not just to me, but to everyone) sometimes its better to try and solve things outside the court as sometimes it works in favour of both parties. I thought about this and spoke with their solicitor and offered half the money in installments over 24 months. He phoned them and they rejected it straight away saying the minimum they would take would be 75% to be paid within 1 month. I refused this and said I couldn`t afford it and said it would have to be over 2 years... Again he got on the phone to them and they said they would go for 75% over one year... I thought this was a bit much so informed him I would let the judge decide as I didn`t feel a personal guarantee existed, as I was not made aware of it, nor was the form legible enough to read if it actually existed..
When the judge dealt with the case I explained that I opened a credit account in screwfix unaware it had a personal guarantee had been included in the application forms. I remember filling the form out at the time of opening the account and it was a photocopy of what seemed like an application form, it was mostly illegible. The Judge agreed that it the section that included information about a personal guarantee was illegible, as was the copy she had received and the same with the copy their solicitor was try to use against me in court. She asked was there an original copy and their solicitor produced and clear application with no details on it. The Judge agreed that it was clear and included a section about a personal guarantee but also said that it was a blank form and not the one I have filled in and signed. She then asked their solicitor if he had a legible copy of the form I had filled in to which he replied they had not been able to locate it. She then asked me if I had an original copy and I explained to her that it was the same as the copy she had received as it was a poorly photocopied application form I had filled out in the shop.
She then explained to their solicitor that she cannot hold me responsible for a personal guarantee that was not legible and said if they wished to proceed they would need to provide a legible copy with my signature, and that they had 4 weeks to get it otherwise it would be ruled in my favour.
As stated already I know from the time of filling in the original application form that no legible version exists (or at least im 99% sure, there is just a slight element of doubt in my mind) The form I filled in looked as if it had been photocopied a few thousand times... I just hope they don`t come back with something within the next four weeks.