Hi there, Hands up firstly as i am the original 'bury my head in the sand' type of guy, Whats changed 2 kids in 2 years But as always the ghosts in the closet rear there head hence the reason i am here....after searching loads of posts and info overload i was wondering if any kind person could help. The details: Started in Company in 2005 and moved to Natwest in 2007. Got suckered into the old line your business account is full of activity would you like an over draft. Accepted this and signed a Personal Guarntee for this for 10k. Now i realised the implications of this however in between signing the PG the Bank manager was totalling up the Business Assets and i presumed/was made aware that these would in effect be the guarntee?? Along with the line it will never happen so you need not worry! With this so called reccession the business was hit Badly, even to reduce budgets and overheads (Vans,Employees e.t.c) cost me short of 10k (2 leased vans 3 months, 2 guys couple of months pay, Gave Unit up e.t.c) I then tried to get it all going again and won a contract but needed further funding! TBH my head at that time wasnt clear, when someone says dont worry we will help you, you tend to listen. All i know is a left Natwest again with a 10k Overdraft converted to a loan and now my O/D bank to 0. It was meant to be reduced by never was and subsequentally after losing money when another Customer went to Pot i dipped into this to support myself. Now i owe just short of 20k, and have had a coupe of Firms on to me about it, TO ANYONE GOING DOWN THE SAME ROUTE DONT BURY YOU HEAD IN THE SAND! My situation is now i am about to be served a Stuatory Demand and am not a 100% sure where to go now. After reading the forum i was thinking of sending out a SAR, but after speaking to the company involved was told that this may be with the demand so wait till Thursday when papers are being delivered/served on me. I am a homeowner, if there 5k equity ill be lucky, 2 new kids Mrs on Maternity Leave and myself out of employment...... At present we are surviving, luckily the OH income is good, and if anything it looks like i may be a stay at home Father This 20k PG now is going to throw a huge spanner in the works and send a floatable ship under? Any ideas where to go next, considering i havent made too much contact with anyone about this? Is/Will i lose my home even though it is in joint names? Many Thanks for Help, i sit here impatiently pulling what little hair i have left out! Big M