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Everything posted by friend_in_need

  1. Hi All, So to update, he was two weeks away from a court hearing for bankruptcy, he continuously tried to settle the debt with shoesmiths as the court date drew closer and closer, They kept refusing the offers he was making at levels he could afford to pay as a lump sum payment. In the end, two day from the hearing he asked what they would accept. The figure was 18 thousand. I made him ask that it was in full and final settlement and that they would no longer report on his credit file so that it didn’t effect his business going forward. They agreed to that and he
  2. debbbbsy Sorry to hijack this thread, but right at the start of a very similar situation with shoosmiths and RBS, could really do with some guidance. Came to site once before, and couldnt get advice, it ended up with sending out the wrong SAR to the wrong people, need to act fast. Thanks
  3. That was the original point ... He has no memory of ever signing this personal guarantee, all he remembers from that day, was them trying to push him into taking the £25000 as a personal loan, And them them insisting he took out some insurance type thing on the overdraft, payment protection. He has no paper work, or statements, or anything to say what he owes, if he owes! Thats why i came here at first, I knew this from 6 years ago when all this started!
  4. Hi unclebulgaria67 Friend asked me what he should do, I had told him i had posted in here, and read lots on here about finding out debt collection, and weather or not they had a legitimate right to pursue the debt etc, some for my own peace at times, and he asked could i get any advice about the income and expenditure form they sent him, that was all. He has a tight monthly income, so going seeing a solicitor is out, as paying for one would then lessen his offer of a full and final settlement. I just thought there was something he might do before opening his wallet, and letting the
  5. Hi again, Well, im hoping i can get some further advice now things have changed a little and moved on with this, I wondered if you guys could offer some further advice. I managed to get word to my friend about the statutory demand, but it was outside of the 18 days he had when he got word. So im assuming this made the statutory demand stand. He contacted shoesmiths and was given the run around for a couple of days, as the person dealing with his case was out of the office for a few days.. When he eventually did catch her, he asked if the bank would take a small lump sum and a
  6. Hi unclebulgaria67 Thank you for your advice and patience. I gained some insight from ringing shoosmiths earlier today. Its clear they are playing dirty to serve there statutory demand. But as its clear I can do nothing but wait for the next door knocking interview, and cross my fingers someone gets word to him. Its a shame these people get away with their antics! Thank you all for your replies
  7. Thanks andyorch Then i guess there is nothing i can do if its a legitimate document. I rang the place that it was sent from today to tell them yet again he doesnt live here. It was interesting to say the least. All i can do is hope he gets in touch in time. Hi dx100uk Given the previous advice, is there any point still uploading the letter?
  8. Hi unclebulgaria67 We do have friends in common and ive contacted them to see if they can contact him, since i became house bound, i had little contact by choice with anyone by my choice. So I havent given up hope that he will get in touch in time. Im just at a loss how they can but legal document through my door that has a time limit on it, but with no date to start off the time limit, that's frustrating in the circumstances. As for him letting his creditors know his address, these people only started to send letters after he moved out, his business was liquidated. and he was here
  9. It was hand delivered through my letter box yesterday, So now I have 18 days to find him, and for him to act in that time. I question the date, only because i wasnt sure if they had to make clear when it was put through letter box, Or served . like they could now say he got it a month ago and have already acted on it. Is that possible, can he get bankrupted and him have no knowledge about it? I have made no effort to contact him to tell him in the past these people was looking for him, and i feel terrible its come to this because of my ignoring the dept
  10. Hi unclebulgaria67 Dont care about compensation, i just want it to stop, There are nurses here daily, and i dont want these people hanging around my home. And revealing to people freely why they are here. At least this has given me something else to concentrate on!
  11. Thanks andyorch So if the date on it is October 9th last year, there is no point in me trying to contact him, as hes already out of time? As in, he doesnt actually even have the 18 days, because if i found him, he would have no way of proving when it was actually served?
  12. Hi unclebulgaria67 He did not give them my address ever. As at the time of his business going down, he lived in his family home. But while he stayed here he did, with my consent open a bank account, and take out a mobile phone contract, as when his business went so did his bank account and his phone contract was in his business. I totally understand what you say about the 'independent letter' but i dont have any dealings with anyone out side of my immediate circle, ive fought hard over the years to actually stay independent from social services etc, as in my own words. 'my body
  13. Hi guys The letter says is for a personal guarantee against a business debt, does that make the difference? Dx that would be fine, but i didnt cross out the personal details on the pictures, and ive sent someone to have it copied so i can use them to take out the details.. does that matter? My intentions today are to put a letter together for all of the companies that have been here lately, tell them once and for all in writing he is not here, as an after though, i wondered if i should bother writing one to the Royal Bank of Scotland?
  14. I don't have a scan facility but I might be able to take pictures and upload then tomorrow, will have to read up on how to do it first.
  15. The only date on the statutory demand hand delivered yesterday is under a signed and Section of the forms and says 9th October 2015. There is no other date any where on the forms headed 6.1
  16. Thanks dx Thats what confused me, this statutory demand says he has 18 day from the date it was served, It was pushed through my door at about 3pm yesterday afternoon hand written. When i opened it, it was this statutory demand, the ONLY date on it, is October 2015. No date of service, hand delivered so no date on envelope, so how long do i have to find him ? They say they exhausted every reasonable avenue to serve him personally? Because they came to my house and left without seeing him. Why not put a date on, so at least i know
  17. hi dx. I knew from some things i have read on here that i did not need to let in the debt collector, but i did so as an attempt to show these people my circumstances, in the hope the would finally they was barking up the wrong tree and leave me alone. The only way i could discuss this with this guy without having to do so through the intercom was to allow him in, and upstairs. And by this time they sent a letter to say this particular visit was a statutory demand service.
  18. Hi all. Thank you for your advice, in answer to a couple of questions, I do have care, but I have no involvement with social services, as in a social worker.. And the department i deal with I spoke to earlier today whos advice was to contact either citizens advice, or welfare rights organization. I spent all this afternoon trying to get an answer on the phone from citizens advice, to no avail. And welfare rights took my details and told me they are inundated with appointments but some one would call me back in the next few weeks. Im confiden
  19. Hi again, and firstly thank you for your speedy replies. Over the past couple of years the letters have come from different companies, and from reading on here thats normal as some do seem to be linked, I couldnt say with certainty which collector came for which debt as there are seemingly 2 being chased. The one that has sent this statutory demand is shoosmiths on behalf of Royal Bank of Scotland.. These have been here a few months ago, i had this man in my bedroom explaining all that had happened and been going on, he said he would pass the information on to the
  20. Hi All, new here but been a reader for years. This is complicated and im out of my depth. A couple of years ago my long time friend had problems with business and life, (approx 4 to 6 years ago.) His business went into liquidation and his marriage broke up all at the same time. He came to stay at my home for about 8 months while he sorted himself out emotionally having no where to go. When his business failed he had a personal guarantee for the overdraft on his business. ( this was a gray area for him because at the time he stated he wasnt sure if he did or not) more one this
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