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  1. hi all... my company was dissolved over two months ago now and i believe that i have paid the majority of my oustandings to the HMRC, I was told by my accountant once the company is dissolved then thats it all the debts are written off as the company is struck off companies house. As far as I am aware I am not in receievership, administration or anything like that. however I did have an overdraft with the bank and that was under a directors guarantee. I was owed two weeks worth of wages which should have gone into my bank account but whatever reason they did not and were bounced back to the payroll. now the bank want the money from their overdraft so i want the money which is held by payroll to offsett them. technically i am no longer trading as a company right now but i am not sure if the bank has just frozen the account (which begs the question if so why didnt the payment go in correctly in the first place) and secondly if it isnt still active where would the money go and thirdly can they pay me the money directly if the account is frozen but can take payments? obviously i would like that money to be offsett against the overdraft which i owe the bank. on a seperate note then ermm... i know longer work for that company but someone else. so that should be okay. if i do owe the hmrc money will they take that money and come chasing after me for anything else i might owe?
  2. Hi Good People, I've been a lurker for some time, but thought I would ask for assistance if you would be so kind. A few years ago I signed a personal guarantee to the sum of £30K for an overdraft with the RBS. Last year through the difficult economic times, sadly we had a winding up petition served & the company was placed into liquidation. The Ltd. Co. at that time had a positive balance, but because the bank didn't act quickly after the petition was published in the Gazette, many standing orders, & direct debits, wages etc came out of the account. After this, despite me phoning them & informing them that a petiton had been served (& by this time granted) it still took at least 3 weeks before they froze the account, by which time the account was left minus £20K, which the RBS Solicitors are now looking to recover via the PG. I have wrote to them explaining the above & await their reply. Some other info, I was the largest creditor (c £150K, followed by HMRC c £50K) I look forward to the replies. Many thanks MGA
  3. Hi Peter I realise that this is quite an old post, but I have recently received the very same letter from screw fix solicitors with the same guarantee wording signed by me. Could you let me know how you got on with your defence as I am about to reply using the wording given in reply to your post. Many thanks Nick
  4. Simple question, has anyone had any bad (or good for that matter) experiences with the guarantees you get with folding or patio doors, i.e. 10year manufacturers guarantee etc??
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