Hi there, A few weeks ago I was hit from behind by another driver. He was driving a company vehicle. After taking down his details, I rang his company and reported the accident to their fleet manager as well as informing them that their driver was using a mobile phone at the time of the accident. Their fleet manager arranged to get an accident report from the driver in question and then arranged for their insurers (Zurich) to set up a claim and arrange the repairs to my vehicle and provide a courtesy car for me to use whilst mine was in the garage. It was within 2 weeks of the accident that the car was taken in for repairs, so pretty quickly. I also sustained whiplash and this has set off another occurrence of TMJ (Temporomadibular Joint Pain) Disorder that I suffer from. Apart from my neck feeling very sore and stiff to move, I am suffering from referred pain down the right side of my face (headaches, ear pain, teeth, jaw pain, eyes) etc which can be very difficult to deal with. As a result of this I spoke to Zurich about a PI claim which they said they would look to settle. They immediately arranged for a medical examination by their medical examiners and have instructed a rehabitation company to assist with recovery. I also naturally informed my own insurers of the accident. My dilemma is do I use my legal cover I have on my own insurance / or through my union to instruct PI solicitors or do I deal with Zurich directly and try to settle the claim with them. My inclination is that it would be quicker dealing with Zurich directly, but I want to be assured that I get the best possible result for myself. However, what I don't want is for solicitors/claim assessors to drag it out for their own benefit. Has anyone got any view on the best course of action - dealing with the TP insurers who have acted pretty swifly thus far or appointing a solicitor through my legal covers? Many thanks

I have recently sold a property following a relationship break up and now my ex partner is claiming that I owe her for a personal loan from the final profits of the house sale. Our conveyancing solicitor has written to me stating that the house sale profits will be held until a resolution has been made. At this stage I have asked for proof that the personal loan has my name associated with it. How long can the funds be held by the solicitor considering the loan has nothing to do with myself? Many thanks

Hi I'm hoping someone can advise on how best to proceed on the following matter. My youngest son left school last year, and is currently in his first year of college. However he is still yet to receive his examination certificates. We contacted the school just before christmas as to why his certificates had not arrived and we were told, his certificates had not been release because I allegedly owe £50.00 in transport fees from his time at the school. This is totally wrong, the coach fees which they refer to are paid per term. In the last term of his study at the school, he did not use the school coach service, we took him ourselves and picked him up as he was on study leave and the times he had to be in school were outside the operation hours of the school coach service. Last week I issued an ultimatum to the school via e-mail, I stated that they (the school) had no right to prejudice our son because of their belief we owed the school money from transport costs. I stated either release the certificates within 10 working days or i'll use the court process to get his property back. I would be grateful if someone could advise on the next step as I have a feeling they want court papers to land on the headmasters desk, I feel I have done all I can to get his property back including speaking on the phone to the headmasters secretary right through to writing and e-mailing the school, as so far they are sticking to their promise of not releasing the certificates. I have contacted the local education authority and they won't get involved as the school is an academy and falls outside their ability to get involved in the matter. So it is my belief court is the only available option to me, but I am unsure how to go about it as it is a non money claim and I am not sure which forms I should use or the correct process. Any advice most welcome.

I under duress signed a personal guarantee to my CA for invoices outstanding by my limited company. He forced me to sign when he realised liquidation was looming. My company was liquidated by HMRC and he is now chasing the amount due personally. He has closed down his accountancy firm and assigned the debt to himself. He is seeking payment to him personally under this guarantee I made to his company. Can he do that??

My wife, has been threatened with gross misconduct, suspended and has a pending disciplinary hearing/meeting. She has been informed verbally (not written yet), that this was regarding an incident where her manager saw her writing private notes at work (in a work document, which they said was her deliberately hiding it), her manager then screamed at her humiliating her in front of her colleagues, and warned her doing it again would be her out. She has possibly written personal notes prior to this, never altogether more than 2 pages, her notebook was once found by her manager which she had left in the office after lunch (a result of writing in lunchtimes), and was left on her desk by her manager without any warning or questions. My wife sent her an apology email. Next day she was called into a meeting with her managers manager, where she was informed that her machine was being investigated, due to this incident, they didn’t know what the decision would be from here but he has declared this to be a gross misconduct. He even stated that he was happy with her performance in her role, and couldn’t believe she’d written personal notes in hours, that he was disappointed and that it was gross misconduct. I’m yet to know what the staff handbook contains. She is yet to be told what the outcome of this is, she hasn’t been dismissed for gross misconduct yet. There have been no warnings about this, she has never been caught doing it before etc. Her performance is immaculate, she was one of the only people to have her pay increased this year and get employee of the month, she has numerous emails reflecting this and has worked with the company for 4 years. This has never hindered her performance; she out-performs everyone that works there. This was literally her manager seeing her write something personal, screaming at her in front of everyone, and then being informed this WAS gross misconduct. Even on that day (provable), she worked 30minutes extra to what she has been paid and this was essentially done in that time. It’s a moderately small company, my wife is of ethnic decent, female and married a year ago, her manager made reference the management (manager’s manager) to her not getting more responsibilities since she might get pregnant (non provable, all verbal) in her appraisal... He’s made some horrible comments in the past (the managers manager, which I wont go into right now unless you’d like to hear them) again verbal, non provable (even one, a couple of years ago regarding them sponsoring her visa, when my wife requested to know whether they would sponsor her visa for the next year, that she needed to know, he responded that, “if she told him what to do he’d send her home” (paraphrased). It’s also important to note that mid 2012, another employee was discovered to have stolen company property, his training records. This employee was perhaps disciplined (unknown) but left of his own accord Jan 2013. Also, importantly one year ago, my wife was publicly bullied in the office by a colleague (in front of her colleagues), this was recorded officially, and the person may have been disciplined (unknown), but they continue to work there even now, and was not grounds for gross misconduct. There was a warning from HR on behalf of her managers manager, stating that there was a high internet usage in office hours by employees and this was not acceptable and if anyone was found to be using the net in excess would be liable for a penalty (financial). There has been no warning about not making personal notes. People continue to use the internet for personal use, managers manager acknowledged this in the meeting and said “that’s different..” Would this constitute gross misconduct? She no longer feels she can work at this place, she’s emotionally fragile and has been humiliated on several occasions. Is this constructive dismissal. Is this proportionate and consistent when they have excused bullying (the bullying was recorded against my wife, and the person still works there…) and theft in the past? How can I collect evidence? Do we have a right to access her emails etc.? At the disciplinary meeting, what can I do (I plan to attend..) what rights do I have to request information? Can I request any? Can I record the meeting? Can I request a similar investigation to be done on a colleague machine (to detect whether this is discriminatory?). Should I declare I intend to take this to employment tribunal? Thanks in advance for any responses. Help would be wildly appreciated. Kind regards Nathan

I run a limited company which has a loan with HSBC for 25k or so. I and my father both gave personal guarantees. The company ran into problems with stock value collapsing and became insolvent in 2011. However, as there were no assets (now a service company), rather than throw in the towel I decided to continue as we were still making profits and still are today. I have not drawn a wage since as I have other businesses and all profit has gone into paying down creditors. A lot has been re-paid and I am now left with the bank loan on which we have never missed a payment, a small debt to our previous landlords (we now work from home) and a huge bill from our previous accountants. We have not spoken to them or paid them anything for 2 years and now they are demanding the money. The bulk of the debt we owe them was for the setting up and managing of an accounts package which never worked properly. The reason we needed it was because HSBC were asking for management accounts which we didn't have and our accountant advised this software for which he was an agent. Long story short, we put in many, many hours and so did they although I later found out that the person inputting data at their end was doing it very badly, had not set up any defaults which would have saved loads of time and I also suspect that she was his receptionist, doing it while greeting clients etc. For her work we were charged accountants rates. After 2 years of this we still didn't have any accounts or anything meaningful. We then found out that he had sold our book to another firm of accountants, assuring us they used the same software. So off we go to them, only to be told that all the data that we have spent months putting in was a waste of time and they had started from scratch, leaving us with a far bigger bill. Still no management accounts for HSBC who by now had withdrawn our overdraft and charge card, not that I blame them for that to be honest. So, I consider this 'accountant' has ripped us off and now wants the thick end of £19k within 2 weeks. So, my first instinct is to stop trading. I will make good the debt to my old landlords later from personal money as they were very fair to us. My real question is, what will HSBC do? I assume they will call on the PG of myself and my father. My preferred outcome is that they simply transfer the loan to a personal loan and I will keep paying it until it's done. The obstacles in front of this are the fact that my personal credit file got trashed when the company was struggling as I foolishly propped it up with credit cards and then got rate jacked as well as losing part of my income so I had to default (now in debt management plan and paying back). My second option is to liquidate an asset I have to pay it in full. For one reason or another I cannot do this immediately and it's likely any funds will take at least 12 months to appear. Will they let me have that time? What I don't want them to do is to go after my Father. He has savings but is elderly and really doesn't need the worry as mum is not well either. In retrospect I should never have asked him to sign it, my biggest mistake. I will take full responsibility for what has happened and pay back what is owed but need a little time. I suppose my question is, from the point I tell them we have ceased trading, how long will they give me, will they accept my request to not go after dad and how reasonable are they generally?

I am a self employed Personal Trainer. Last year I signed with Fitness First to work as a self emplyed trainer there, however I was not given what was promised in the contract and resigned. I paid them 300£ in order to receive: business cards, uniforms, advertising materials, be in their system etc - after 2-3 weeks I still did not receive them and after repeteadly reminding them I wrote the gym manager I would like to quit my contract and that I am unstaisfied. He never got back to me and I assumed it was handeld as I only worked there for 2 weeks, which were suppose to be rent free. However, they continued and try to take money of my account, but never mananged to. I called the headoffice and explained the situation, at first they did not even want to cancel my contract. However, after 30min on the phone they did but told me 1 would have to pay for the previous weeks and for the next month. Now they want over 600£ from me!!! I was shocked and wrote them a formal complaint, signed letter, explaining the situation that I have never received what was promised to me and I will not pay 600£ as the manager should have cancelled my contract or he should have told me I will need to do it another way than I did. Yesterday I received a letter from CARS -1st time - telling me they have contacted me several times regarding the debt and now they want to me pay in full or they will take it to court or even worse bailiffs!!! I have never received any letters from them before! And FF never replied to my complain where I asked for a fair solution and where I explained I did not receive what I have paid for. What shall I do now? I want to write an email to FF and ask them what this is all about. But I also want to secure myself and complain somewhere else. Is there an organistation that can handle this complain? Please help me...I just managed to set up my life again and now I have again problems with debts that I dont even believer are my fault. I would agree to pay them a max of 150£ just so they leave me alon but not more as they absolutely did not keep their promise and now ignore me! Thanks for the help

Mistakes were made when i was younger and i got myself into debt. When couldn't pay them have come chasing, and me being stupid ignored them, they been round in circles for years now. Usually i bin the letters (stupid i know). owe to different creditors, 8 in all. 3 to Lowell i think. The smaller of the 3 has come to light £900.18. I'm starting to panic, as this seems pretty serious now. Letter reads: We have been instructed by Frederickson International Limited on behalf of Lowell Financial Limited to issue court proceedings on 07 Feb 20114 if payment of this debt is not received by us by that date. If proceedings are issued, solicitors costs, court fees and interest will be added to the amount you owe and will be enforced against you if a Judgement is subsequently obtained. You must contact us on *number here* before Feb 07 2014 to make payment if you wish to avoid the matter going to court. And you know the rest. I think the last payment i made to the debt (don't even know if it was Lowell as its been passed around) was around April 2008. What do i do? Many thanks, Tim.

Hi, New to this forum, any pointers greatly appreciated. I foolishly signed a Personal Guarantee for 2 lease cars. 6 months after they had taken the car back they have wrote to me at home, marked 'final demand', this was on 20th Dec. I kicked off with them and said I had not received any previous letters or reminders and I disputed the account. On 24th Dec I then got an email from a debt collector saying they were now dealing with it (no response whatsoever from the company), 4 days after the 'final demand'. The debt collector sent me file copies of invoices that were (incorrectly) addressed to my work, along with a copy of the Personal Guarantee. They also sent me a copy of another persons PG, which showed his address, signature and DOB. I didn't really need to see this. I have looked at the PG document and it says that all documents will be sent to me by 'first class recorded delivery'. They definitely didn't because I would have seen them (and remember they even had my business address wrong). The company (not the debt collector) threatened in their 'final demand' to put a Default against me, but there is nowhere in the PG that mentions a Default. It does however confirm that it is regulated under the Consumer Credit Act, therefore do they not actually need to mention a Default'? Most of the 'debt' is for marks and scuffs on the cars. They were pretty mint when we sent them back. And after 6 months I am guessing it would be difficult to prove either way. Are they acting within their regulations here? Or do you think I have some good arguments? Many thanks.

Hi there, My R reg car was recently scrapped after suffering a mechanical fault which was not cost effective to repair. After recovering my outstanding tax, I made enquiries with my insurer to cancel the policy. However, I was informed that an option would be to continue the existing policy with a refund on my next car insurance policy - provided I took out a new policy on a new vehicle with the same insurer in the 'near future'. Note that my insurance policy was valid until May. I suggested the insurer send me additional information and higlighted that I still might wish to cancel the policy as the insurer could provide no guarantees that the premium quoted for an insurance policy with a new vehicle would be lower than other insurers' premiums. Therefore the saving might prove counter productive in the long run. My insurer also mentioned that should I cancel my insurance and fail to purchase a new car in the near future, this would invalidate my no claims discount protection which has built up over six years. The insurer took my details and 'promised' to email me the additional information. However, I've yet to receive a response. With the incomplete information and cancellation fee of £80 and possibility of my NCD policy being reset due to inactivity, i'm unsure which action to take. If anyone could please offer general advice or advise on the period of driver activity required to reset the no claims discount protection, I'd be grateful. I'm yet to purchase a new car, still haven't cancelled the existing policy, which runs until May and am still waiting for the insurer to provide additional information two week's later. Hope you can help. Many thanks...

Hi, thanks for reading my post, and help and advise is welcomed. I have a PG in August 2008 which I didn't even know till my partner passed away last December for a business which now has been dissolved by company house. Basically my late partner paid all the repayment and dealt with the HSBC alone, I was a silent partner who lost all the saving to the failed business. I have requested and received a copy of PG documents which I have found some irregularities. First, there is no date on the 8 page documents, where is the date needed to be filled all written Do Not Date, it's the same on the second page and last page where the signatures are, all without date. The only paper with date on is on a form called Winessing of Security Forms Aide-Memoire but it's not part of the PG documents (8 pages), and without any original guarantors' signature on it, so it could be filled anytime and anywhere. To be honest, I didn't even know that I have PG, so no advice for seeking independent legal advice nor warning about the risk of PG by the bank representative. I have done some researches about some banks asking guarantor to sign a waiver of independent legal advice to prove the bank representative has done diligence. But in my case there is no waiver in my PG documents nor initial/date on the front page of explanatory note, even no initial where the checker's initial is needed. The total value of the business loan was 40K, now is 26K after my late partner passed away. Any help and advice I will be really grateful. Thank you.

Hi, can anyone give me some advise please. My daughter in law was involved in a car accident which resulted in injury claims for her and my two granddaughters, ages 7 and 14. The claims have been agreed and my daughter in law has been paid out for her injuries. They have now received a letter from Hampton Hughes stating that the injury claims have been agreed for the two girls. The amounts will be paid into the court office and the girls can claim them when they are 18. This is 4 years for one and 11 years for the other. The money while it is held will not gain any interest while it is held. Is there anyway they can claim this sooner or can it be put into their own child trust fund where it will earn interest as it sits there. Is this set in stone? Hampton Hughes said they can challenge this but they want my daughter in law to send them £5000 to cover the cost of any legal action?? Any advise would be greatly appreciated. Thanks

Hello everyone. My first post on here but have been reading various posts for months. I have a complicated one so bear with me but in summary, I am being pursued by a supplier (not a builders merchant) after my company ceased trading as they claim I have given them a personal guarantee. Five years ago, I opened a trading account on Pro-Forma and filled in a 'Trading Account Application Form'. At the time, I was a sole trader and signed a personal guarantee. That's the nature of sole trader - no protection. Six months later, I formed a LTD company and transferred stock etc over to this company. I informed the supplier of this change but they never asked me to fill in new forms for the company. So the forms they have are from when I was a sole trader and there is no mention of the LTD company anywhere on the forms. In their letters, the debt is in the name of the LTD company. Last year, this supplier and myself had a joint venture and I signed a new 'Terms of Trading' for this separate venture as Director of the company. This venture was being treated differently and separately to the core business and so a new form was signed where I gave a personal guarantee as a co Director. It gets more complicated. They have amended the original form from five years ago and added a tick in the box next to 'LTD Company' as the legal entity. The original was 'Sole Trader' - I didn't tick this second box. So in summary, they have added the agreement page meant for the separate entity to the initial account application form in the name of the sole trader, and ticked the LTD company box - without me knowing. Any idea as to where I stand?I would never have knowingly signed a PG in the name of the company for the entire company and its debt. As I said, they have taken a form and added it on to an old business account application form. The one document has dates that are 3 years apart. The wording of the paragraph is as follows: "In consideration of *Supplier*agreeing to open a trade account with the company named overleaf, the undersigned directors of the company hereby agree that should the company fail to meet its obligations of payments for goods, they shall take responsibility for the same" This paragraph is written above the area where you sign but does not have a title, heading, bold writing etc. I think this is incredibly misleading, given the docuement is titled 'Account Application Form'

looking to make a medium sized personal injury claim after an injury last year - which is still affecting me on a daily basis. no idea what to look for in a lawyer/PI claims firm. Specalist ? It was a fallen object on a construction site FWIW. should i check my home insurance for personal injury claim cover, or will that result in higher premiums with no real benefit ? Look forward to pointers ;-)

Personal Independence Payment (PIP) Document Sources of Interest Personal Independence Payment (PIP) https://www.gov.uk/pip Personal Independence Payment Handbook https://www.gov.uk/government/publications/personal-independence-payment-fact-sheets Northern Ireland - Personal Independence Payment (PIP) http://www.nidirect.gov.uk/index/information-and-services/people-with-disabilities/financial-support-for-people-with-disabilites/personal-independence-payment-pip.htm The Personal Independence Payment (PIP) toolkit https://www.gov.uk/government/publications/the-personal-independence-payment-toolkit-for-partners/the-personal-independence-payment-pip-toolkit-for-partners Personal Independence Payment Assessment Guide for Assessment providers https://www.gov.uk/government/publications/personal-independence-payment-assessment-guide-for-assessment-providers PIP Postcode Map (UK) https://www.gov.uk/government/publications/pip-postcode-map-uk How to Appeal Against a Decision Made by the Department for Work and Pensions. (Form SSCS1A) http://hmctsformfinder.justice.gov.uk/HMCTS/GetLeaflet.do?court_leaflets_id=2724 Notice of Appeal Against a Decision of the Department for Work and Pensions (SSCS1) http://hmctsformfinder.justice.gov.uk/HMCTS/GetLeaflet.do?court_leaflets_id=2724 National Audit office (NAO) - Personal Independence Payment http://www.nao.org.uk/report/personal-independence-payments-pip/ Citizens Advice Bureau- Personal Independence Payment (PIP) http://www.adviceguide.org.uk/wales/benefits_w/benefits_sick_or_disabled_people_and_carers_ew/benefits_personal_independence_payment_e/benefits_pip_who_can_get_it_e/pip_the_presence_and_residence_conditions.htm The Social Security (Personal Independence Payment) Regulations 2013 http://www.legislation.gov.uk/ukdsi/2013/9780111532072/contents CAPITA Health and Wellbeing - Personal Independence Payment - Information Portal http://www.capita-pip.co.uk/ ATOS Healthcare – Personal Independence Payment Assessment http://www.atoshealthcare.com/pip/pip_assessment_approach ATOS Healthcare -The Personal Independence Payment (PIP) consultation:Simulation Video http://www.mynewsdesk.com/uk/atos-healthcare/blog_posts/atos-healthcare-the-personal-independence-payment-pip-consultation-a-simulation-video-25511 Carers UK - Personal Independence Payment (PIP) http://www.carersuk.org/help-and-advice/financial-support/help-with-benefits/personal-independence-payment MAXIMUS United Kingdom https://www.maximusuk.co.uk/health-programmes/independent-health-assessments Health Assessment Advisory Service (Centre for Health and Disability Assessments Operated by MAXIMUS) https://www.chdauk.co.uk/

Hi all, I wonder if you can help? I have a personal loan with NRAM, was £20K but on a DMP and it now has £13K left. Paying £180 per month. Received a letter this morning saying that on the 28th, the debt will move across to some company called Marlin s thought I would call NRAM and see if they will accept a F&F of around £3K. They stated that even if accepted, it will show as partially cleared on my credit rating.... this worries me as I assume it will stay like tat for ever and also, I guess they can sell the remaining debt to someone like Marlin. Can I push for a F&F and request this is "closed"?

Please have a look at this link from the Motability Website: http://www.motability.co.uk/understanding-the-scheme/pip-and-motability/ This PDF is from their website:

Hi there, First time poster on here - i would really appreciate your advice on a nightmare situation Long story short - I went out with a girl for over 14 years with the intention that we would both get married together. During our time at uni we pooled our money to pay for stuff. In reality, i ended up paying for absolutely everything including holidays away, car repairs, meals, you name it. In order to pay our uni fees we both took out a loan from the bank - and she transferred a lump sum to my account so that I could pay two years fees. Initially the transfer was suggested as a loan but this was never formalised and, after we left uni, we decided that there was no point me paying her back the money as our finances were intermingled (although we had separate accounts) and that I had given her far more than she had given me. In other words, the money was a gift. More years went by and nothing further was said. Unfortunately our relationship then fell apart in 2012. I was taken aback by my (ex) partner's request to have that original loan paid back to her since we were no longer going to be together. As this "loan" had been converted to a gift you can understand that I was taken aback by this request and argued for quite some time that this was completely unreasonable. But, truth be known, i felt guilty about the relationship ending after so long and my ex wanted to save up to move away from her family who were ruining her life i agreed to pay back the money as a matter of goodwill and completely under my terms when I was financially able to afford it. I was lucky enough to start a new relationship with a new girl and things progressed so well that i ended up getting engaged to my new partner this year. The day AFTER we had told our mutual friends about the engagement, my ex (who had by now worked out the issues with her family) got in touch and enquired by email about the repayment. I replied that I hadn't forgotten about her plight and that i couldn't afford to repay her at the moment, having just gotten engaged and moving into a new house, but that I could start repaying her with a monthly standing order starting from January 2014. She emailed me back saying that this wasn't good enough and that she had recalculated a new amount that I should be paying with interest starting from the day we had broken up and a monthly payment schedule that i frankly couldn't afford. I wrote back an email pointing out in polite language that I did not accept that I owed her any money and that I had agreed to make her a payment out of my goodwill in order to help her escape her family circumstances and that we had never had a loan agreement or a repayment plan or that any interest was to be charged as the money was a gift. This morning I received a letter from her solicitor representing a formal demand for payment stating that they had seen our email exchange in which i "readily acknowledged the loan" and had made apologies for not making the payments back and that they had advised her that I could be pursued through the courts for the missing amount. I was invited to provide a written response within 21 days after which the new, recalculated amount with interest payments, would be withdrawn and I would be taken to court for a CCJ. I feel quite saddened that things have come to this and I am now in a situation where i need to find some good legal advice to examine my options. The transfer into my account was in 2003 and this email correspondence occurred this Summer, 2013. I guess my main questions would be: 1. How do I go about finding good legal advice? 2. What do I need to gather to fight this? and what sort of chance do I have? 3. Having received this letter from the solicitors unexpectedly I haven't got any leave booked from work over the next few weeks and will have to access services that are mainly available at the weekend if i'm to make the deadline - which resources should I be utilising? I'm in a state of worry as I have an upcoming wedding to pay for and it would obviously ruin my plans with my new partner. Really really appreciate any advice you can give me - many thanks in advance.

Hi, I'm trying to help my gf with a debt. She lent a neighbour money and is having trouble getting it back. The neighbour has admitted to owing the money and I have that in a text message. The neighbour is being difficult both giving it back in whole or in instalments. What are the chances of a small claims court claim, I have done this in the past so know the deal. Any advice would be appreciated.

Hi, I have just renewed my car insurance with the same company for the 2nd year. They are now asking me to provide copies front/back of my paper licence and photo id to validate my insurance. I find this request disturbing, espcially allowing them to have my 'photo' on file. I cannot see how they can justify having my picture id. Surely the paper licence is sufficient, and that the only additional information on the photo id is the photo. I have asked them to explain why it is necessary to have my photo id, but so far no answer. Are they able to ask for this kind of personal data? can I redact the photo image but give them the rest? Thanks

in 2004 I left UK with unpaid personal loan around 8000GBP, Credit card 2000GBP i paid only one installment I was resident in the UK. How do I find out out if an arrest warrant has been issued against me due to this unpaid loan? can ccj become as an arrest warrant against me ? i am traveling to Europe can UK issue an arrest warrant and record it in the EU system because of this loan? Also, what are the chances of being detained at the airport coming into the UK? any expert in such cases

My business has gone bust due to bad debt and has led me to have to close my business. I've instructed an Insolvency Practitioner to handle it. Everything seems fairly straight forward, if rather sad and expensive, but the real problem that has become apparent is a personal guarantee I had with my bank and this relates to a business loan to help finance the company when I bought it. The bank made me sign a personal guarantee and put a charge on my house. At the time it was either sign this or don't get the money. Now because I've put the company into administration, I've received a letter form my bank demanding the money personally from me. Can anyone suggest a way I can avoid paying this, because my financial situation is bleak?

Hi all In Sept 2010 my then best friend offered me a job knowing how much I hated my old one that I had been doing for 14 years. He offered me a job and told me to leave the old one and not to worry at all. I said yes, left the old job and started working with him as a manager for his online site and we agreed a salary and to review this yearly with a wage rise to be agreed between us both at the time. I was happy, left my old role and started working for him. in Sept 2011, I mentioned the wage rise he promised and he said that the company wasn't performing as well as he thought and didn't give me a raise at all, saying it could not be justified, I accepted that and never brought it up again. In April 2012, we as a family got into financial trouble and needed help, my boss/friend offered to get a loan for me in his name and we agreed to take it off the salary each month for 5 years to pay it back. The loan was for £7000 and my immediate debt worries were sorted. In May 2012 my father died and I took a few days off, came back to my work and continued as normal, finding it a distraction from what had happened, 7 days later, he sacks me, VIA MSN Messenger! Giving me 3 months notice. I was devastated, I had left a 14 year career and now was left with nothing to fall back on, I struggled to find work for 11 months and on April 30th 2013, had our family home repossessed as we had not got any help to pay the mortgage, we have been left in a major shortfall with the mortgage and other debts and we (wife and I) now face going bankrupt as neither of us have a job yet, despite nearly 400 applications being sent (3 jobs were screwed by references, co-incidence? or nastiness? I don't know, but when I ask to see the reference, the company reply with "the person who wrote it would not give permission to show you" I have a feeling its him, but cant prove it or think of a reason why he would do it. I have now found a part time job, just about breaking even each month and cannot afford to pay anything back whatsoever to any creditors as we just don't have a penny to spare. My question is what to do next. He has started to message me (haven't heard from him since August last year) saying he wants his money etc, where do I stand? What should I do? I know morally I should pay him his money when I get in a position to do so, but legally, theres no signed agreements, no loans in my name and the way he screwed me over a month after giving me the money in the 1st place has left me very peed off to say the least. What would you do?

Hi Everyone, I've recently began my claim after reading a lot of stuff on here, on an old HFC Personal Loan Plus account that ran from 2001. to 2007. So far I have done a Subject Access Request and got a list of transactions and a copy of the credit agreement from HFC. At the moment I'm stuck with the spreadsheets to work out the interest I can claim. Do I use the Compound Interest calculator to work out the 28.9% APR for each monthly PPI fee for the time the loan ran which is MAR 2001 to FEB 2007. Then Statutory Interest of 8% added to each payment from the date added to present day? This is all a bit confusing.

HOW TO REQUEST YOUR PERSONAL INFORMATION GUIDESubject access request) INFORMATION COMMISSIONER OFFICE (ICO) From this Link: http://www.ico.org.uk/for_the_public/personal_information