Hi andyorch, Yes, my friend tried to get advice I think, it was her that told me about the site. Im trying to get up to speed, but finding it all difficult to take in I'm afraid. I'm not the best at this internet stuff at the best of times. Thanks

Thank you dx100uk I didnt think ringing them would do any harm, I just needed to know what was going on, or if in fact they had already made me bankrupt, I didnt received mail directly from them, it was passed to me. So anything could have happened without my knowledge. But noted, i will stay off the phone. Some thing is wrong, as when I CCA'd RBS, with the account number in their records, it says its for my personal overdraft... No mention of the £26500 shoosmiths are chasing. And im told everything has to go through shoosmiths, is this correct, as last time i tried to SAR RBS through them, RBS didnt get it, shoosmiths kept it and sent very little back. ? Also, could anyone advise me what i should expect to receive back from a SAR?

Hi, Shooesmiths client are RBS

Hello All, I could really do with some help on what to do next. I had a business that liquidated early in 2011. Its had an overdraft of £25k (unsecured) They say i have personally guaranteed it. The account was reviewed yearly, and at the last review i was more or less forced into taking protection on the account, which is all i can recall about this last review, i recall no conversation about personal guarantee being mentioned. When my business failed, my personal life took a dip also, so I had a lot going on at once. Fast forward to February 2016.. My old friend, whos address i stayed at during the period of my business failure and marriage breakdown contacted me to tell me a firm of solicitors had been around to there home looking for me, she informed them she had not seen me for a few years and had no contact with me. 6 month later, the same people hand delivered a letter with my name written on the front, she opened it to find it was a statutory demand, and proceeded to try to tract me down. When i finally received this statutory demand it was out of an 18 day deadline i was given on it to do anything about it. My friend had previously asked for advice on here, and been given the debtline advice line. I rang the solicitors who sent the statutory demand they told me I could be made bankrupt at any time now, the best thing to do would be to make an offer to settle this debt. And was sent an income/expenditure form.. I was told it had to be back with them with an offer withing 7 day. I filled this in, and made a full and final offer on the premise of a loan to avoid being made bankrupt. It was for £8000 which would be all I could physically get together, or afford to repay. They declined it. I made this offer purely based on the fright of being made bankrupt. I lost everything in 2011 and was frightened it was all going to happen again. Debtline advised me to SAR them, I have no idea what im doing with any of this and im really struggling. i sent to SAR and a CCA off to the solicitors to be passed to the bank. Now this is where i messed up and it gets really complicated. I put the name of the solicitors on the postal orders, because was told all or any monies should be paid to them. They passed on the CCA to the bank, but fulfilled the SAR themselves as the solicitors. RBS sent me a letter telling me the CCA does not cover personal overdrafts, but then sent me a breakdown of my balance outstanding to them. It was for £672.96 Which all I can think of was the overdraft on my personal account the day they shut it down without telling me, telling me they no longer wanted to do business with me because my business went into liquidation. The SAR that the solicitor sent me is confusing... Having tried to read up on what a SAR is i expected much more than i received. All they sent was 2 letters they sent, a copy of the Statutory Demand, and 2 very rough transcripts of the telephone conversations i had with them. No instructions from the bank.. Nothing about the process server who was employed, or instructed to deliver the statutory demand (which would have been useful to prove the posted to an address they knew i didn't live at if i needed it. And that's all I have. I just want to see this personal guarantee, because as I say, I genuinely don't remember it being discussed at my last account review, or ever .. I also wanted to check if there was this payment protection thing they sold me, that could be claimed to cover the liquidation?.. . But going through the solicitors to try to get information, and quickly, hasn't done me any good so far. Sorry this is so long winded, but trying to get as much information out as possible. Thank You Very much for taking the time to read