Showing results for tags 'don'.
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We've lived next door to them for over 18 years, they have been here since the 70's. They are an elderly couply, they are not the problem. Their 40 year old son is. He sells drugs at all hours, his Dad has to answer the door to them. The son plays loud music, games and shouts. One time, this was a few weeks ago. My mum was in the bathroom and he said to his friends 'yeah, their grandson lives sleeps in the bath'. He keeps spying on us in the bathrrom. When we reported this to the council all they said was 'He's got mental problems, he can't help it'. His mental problems are due to drugs, my nephew has learnign difficulities which he was born with. He has called my 18 year old nephew(same one mentioned above) a pervert, peado. Because he plays with his brothers and sisters. He has now got a camera which we reported today, it's pointing towards the public grass/pathway. We were told we were not allowed to record beyond our garden, not even allowed to record him if he contronts us. His dad has been to see the council, nothing. Police have been round and had a word with them, again, nothing. My brother refuses to leave the house now, he's too scared. My mum wants to move but it's hard because I have been bidding since I was 18, I'm now 31 and have gotten no where as I am on low band. My ESA (or council rent) won't cover the rent until I'm about 35. I tried to move out in 2012 but couldn't due to the council refusing me rent. I know it's a lot to take in but can anyone help us? -
I'm not sure this is the right place but here goes I suffer from Borderline Personality Disorder, which means I am often very depressed, anxious, scared, etc. I am on medication and generally have the illness to a level that I can cope. However I have got myself in debt with Vanquis, Capital One, Littlewoods and Very. I was making regular payments up to about 6 months ago but then my Mum passed away and my world fell apart. I am on esa and was managing with the help of my partner to maintain my payments. Now I am getting nothing but phonecalls and letters. This morning I received my second letter from Moorcroft for the Vanquis debt (£1287.14) asking for me to talk to them and payment or further action will be taken. I owe Littlewoods £925.73, I have only missed 3 payments on that debt so far but will miss more. I owe Very £2513 including arrears of £409. As for the two credit cards with Capital I owe approx £600 on each card. On top of this I have accounts with JD Williams which I'm not in arrears with but will soon not be able to make the regular monthly payments. I just want advice as to what to do, should I write to them all all and make an offer of a payment each month an hope they accept it. I don't have much money left over each month from my esa benefits so payment would have to be a small amount. Would I be better looking at a debt relief order? I just don't know which way to turn and it is affecting my mental health. It's hard enough dealing with the grief of losing my Mum just under a year ago on top of losing my Dad nearly 3 years ago. I just don't know what to do. I know this is my own fault, after losing Mum i went silly with money, anything to numb the pain I was and still am feeling. I just want some advice and guidance. Thank you for reading my rant and I appreciate any help you may advise me on. -
I'm looking for some wise advice from those more experienced than I with insurance and subsidence claims. Our house (circa 1890 semi-detached) is on a small slope and had some evidence of small "historical" movements when we bought it 20 years ago. Very little has changed since, and a structural engineer didn't mention subsidence in an inspection 4 years ago. However, it seems the neighbour's house has developed cracks near the party wall in the last few years, and they seem to suspect OUR house is to blame as we are further down the (small) incline. They say they have inspection reports from the last 6 months, but we haven't seen anything yet. To complicate matters slightly, we are changing from our current landlord's insurance policy to a homeowner's policy in a couple weeks, as we will be moving into the house ourselves. We are worried about 1) raising the issue of subsidence on our current landlord's policy, as this might make our new (already agreed and paid for) homeowner's insurance invalid. 2) waiting until we move in to raise the topic, as our new insurance might balk at a subsidence claim if we make it shortly after the policy starts. 3) being stuck in a no-man's zone between the two policies, with neither willing to cover...if indeed there is subsidence. 4）the neighbours will take some sort of legal action and find a structural engineer that will pin all blame on us. Both our policies are with the same company, which will hopefully help. We don't even know if there is subsidence of course, but it does seem possible. Any advice from those who know more about how insurance companies would treat such things would be most appreciated. What is the best course of action? 1) Raise the issue immediately? 2) Raise it later? 3) Do our own inspection first and only then contact the company? (this will likely push us into the new policy period) Thanks in advance for any information or advice! -
Hi Guys, I have recently received a letter from a collection agency demanding I pay the sum of £419.42 in relation to council tax owed to Plymouth City Council from 2011. I have sent a number of emails to Plymouth City Council asking why I owe this money. After completing my degree in 2011 I was forced to sign on and claim housing benefit as there was no suitable work available. My degree was a complete waste of money, but that's a separate issue. After sending and receiving a number of emails they have eventually told me that the reason I owe the money is down to the fact I never informed them of my address change, when I moved out of my student house and into another house share. However, this is not true I remember distinctly informing them and this was reaffirmed to them again at a later date when I was forced to claim JSA again after securing a month's work. They have gone to the Magistrates Court and obtained a Liability Order, which I believe has been done falsely as I do not owe the money because I was exempt. I raised a complaint but they are not budging on their position. Is there anything I can do? Any help greatly appreciated. Cheers, Jake -
A google search led me here as I'm in the same boat as MadMat. I received a call yesterday, 21.11.17, from Cabot and the caller asked if I was free to speak to which I replied 'absolutely not'. This was true as I was just leaving for work at 07.45. Today I received a letter dated 17.11.17 saying they have recently confirmed I live at my address. I am in the process of moving house and can only think that the company that did the tenant referencing (I had to supply 10 years of addresses) passed my details on because I'm usually careful about sharing my details. I have had no credit cards or loans since 2006. I have held my hands up when contacted about my debts, had 3 CCJs, one now paid off, and 11 years on I'm rebuilding my life so this is ....! Would sending the statute barred letter not be acknowledging the debt and potentially open up another route to a CCJ? Also what is the link to the statute barred letter?
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I bought some made to measure window blinds from an online retailer. They make it clear they cannot be returned if the purchaser gives the wrong measurements, so I followed their measuring guide to the letter. When they arrived the blinds themselves fit perfectly, but the fixings that hold the blind do not fit the recess I have. These fixings or their size were not mentioned in the measuring guide or anywhere else on the site. I have asked for a refund but they say they can't be returned as the blinds are made to measure. I said I wasn't to know the fixings would be bigger and not fit, and they said I should have expected they be bigger in order to hold the blind. They have offered a discount on an alternative blind which would fit better, but no refund on the initial purchase. They also pointed out I'd ordered a similar blind before and so should have known about the fixings, but I didn't fit that blind myself, and the window it was for wasn't so shallow, so such an issue never arose and I've never even given it a thought. Obviously I wouldn't have bought blinds I know couldn't fit - what would be the point? Where do I stand, in terms of returns? Thanks. -
Hi, Can anyone offer me any advice on an issue I have with the FOS. I took out life and critical illness cover through a tied broker in 2012. In 2016 I claimed and my claim was turned down by the insurer as they did not know about surgery I'd had prior to applying for insurance. Trouble is both me and the wife know we told the brokers agent all about the surgery on the night he came to get our signatures after checking the application. I made my initial call on the 14/4/12, their agent visited my home on 17/4/12. The FOS got involved after my complaint to the company was turned down. The original sales phone call in which I tell the salesman about my surgery is 'missing'. The FOS adjudicator requested the application and signed declaration from the brokers. What she received (and accepted!) was amazing. Pages 1 to 5 were missing and the last 4 pages (the declaration) were scanned in such a way as to obscure the date in the top left hand corner. There were no other dates on any of the remaining pages. It took me 4 subject access requests to finally receive the complete form including dates. Their excuse for their inability to supply what I'd asked for previously was that their scanner could not scan complete pages the right way up!? On each of the replies to my requests the broker states the completion date of the form as 16/4/12 The FOS is not upholding my complaint. I've always maintained that I (and my wife who took out cover at the same time) told the broker and agent all about the surgery and that therefore, knowing that it was unlikely the insurer would offer me cover, the broker and/or agent altered the application without our knowledge. I even had a photo dated 2 days prior of the 4" scar on my part shaven head clearly visible on the night of 17/4/12! Turns out the date on the missing 5 pages was the 19/4/12 - a whole 2 days after my signature was obtained on the declaration. The date on the declaration was 16/4/12. This appears to be the date the declaration pages were sent to the agent and therefore the declaration was produced on or before 16/4/12. This is where I'd really appreciate some advice - the FOS Adjudicator and Ombudsman actually used the application/declaration in their decision. Can they do this?, should they do this? and where do I go from here? Thanks -
Due to recently selling my house and buying a far cheaper house elsewhere I now have a bank balance of £149,509.10 in my Santander account. Despite this they pay me no interest at all. Santander said I could obtain a different type of account that would pay me interest but only on a balance up to £20,000. I am of the impression that the bank doesn't want my money and would prefer me to transfer it elsewhere. I find this very strange indeed because I thought banks needed people with large balances so they could lend to other people and charge interest on the loans. Seems to me if you have a fairly large amount of money the last place you put it is in a bank. Having no idea where to invest my money I assume I will have to just leave it in the bank and watch it depreciate due to inflation. Oh well, such is life.
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Hello. I had some loans with Wonga. I wrote formal complaint and after 7 weeks I get a letter from them. I'm due to refund. Now I live outside the UK and don't have bank anymore. I have sent them my nominee (friend) bank details and now they are saying that they can't transfer money to someone else. Is that correct? They are asking my bank account details in my country, but the thing is that I have some troubles with that. I had a small refund from them few months ago (technical problems as they called it) and it went to my friends account without any problems. I had the same situation with HMRC and it went well. Any thoughts? -
Good afternoon everyone. This is going to sound pretty silly but I have been paying Lowells £5.00 per month for nearly 3 years now, but I have no idea what it is I am paying for. Some of you have been helping me with an actual claim, so know the state my life was in a few years ago, so I won't go into that all again. Anyway - I think (but am not certain) that the debt was an old littlewoods catalogue. I have not missed a payment ever in the nearly 3 years it's been going on for - but my credit file just shows default every single month, so I am getting no benefit by paying it back. I'm rambling (as always) sorry; I just wanted some information on how I can find out what this is for. I am loathe to call them as they've lately been writing to me about an old mobile phone contract, and I'm nervous that getting in touch with them may open another can of worms. My credit score page just says Lowell, and nobody else so I don't have a clue what this is for. I imagine most will think it insane that I've been paying them all this time without knowing what it's for - but I just agreed a small amount to get the off my back at the time, and being homeless I have lost any paperwork they might have sent me long ago. Many thanks people. -
With warmer weather coming along, I thought I'd remind people of a method that works well and doesn't cost much. If you have a fan that can be used on a table or on the floor, you just need a plastic water bottle, maybe more than one, of about 1 litre capacity. Freeze the bottle of water and when you need to cool down, put one in front of the fan so the air blows towards you and is cooled by the frozen bottle. Make sure you put the bottle in something that will catch the condensation or you'll end up with a pool of water underneath. It works and it's cheap. HB -
Last year I entered into one of N'power's 'deals' to save me money. It was actually the best deal around at the time - monthly direct Debit £46.00. This was around June time - a couple of months later, they 'suggested' that I would need to increase my DD because they estimated from my usage that it would cost a lot more over the winter period. They wanted about £65 + - I said no, bearing in mind that the previous review had netted me a refund of over £100.00, I couldn't see that I would be that much behind and I would be happy to just pay any underpayment. Not happy with that, they umm'ed and ah'ed and I compromised at an extra £10.00 per month. So I have been paying them £56.00. Just received my online summary and already I am £97.00 in credit - however, look at this message they left on screen for me.... !! Well tough, I want my money.. . Message from Npower.pdf -
Hi, I have received CC papers for a debt owing to Moriarty Law on behalf of MotorMile Finance. The total amount is for £350 for a loan taken out in 2013. I have sent in a defence saying that I do not recognise the debt and requesting further information. I have received a letter from Moriarty Law with photocopies of their paperwork. I now have a mediation appointment booked for next week. I am worried because firstly I have never been to court before and it scares me. Secondly, the paperwork does not look correct. The signature in the box that I am supposed to have signed is definitely not mine. They say that they paid the money into an account number XXXXXXXX, but I have changed banks since 2013 and I don't know if it is mine or not. It is possible that this is genuine, I have had payday loans before, but there is also a chance that it isn't (the fake signature is what worries me most). What should I say in mediation? I don't want to end up with a CCJ. I can't afford to pay £350 and I am also disabled so going to court will end up a nightmare as my nearest is the other side of a different county. If I offer them something like £25 as a gesture without admitting liability do you think that they will go away? -
I bought an Aqualisa electric shower and paid a lot to have it professionally fitted . Almost immediately, when switched on, water began gushing out of the back and down the wall. I looked online and found several postings, including one which explained this was due to a pressure relief valve opening and described how to fix it. Basically, you switch off the electricity, take off the cover, unscrew the valve (difficult) and push a plastic ball back into its tube and then reassemble. OK for a month then it happened again. I phoned Aqualisa customer services and asked for a fitter to repair it under the 2 year guarantee, which they did. Six weeks later same problem. This time customer services said they will make a total of 2 repair visits and thereafter, until the 2 year guarantee has expired, they will post you a new valve which you will have to fit yourself. So what happens after 2 years? You have to buy them and keep changing them yourself or you don't have a shower. It is clearly a design fault, but customer services say it isn't, and "it isn't part of the shower because it's a safety feature", even though it is inside the shower under the cover. What utter nonsense ! I now have a shower that fails every six weeks and the manufacturer won't honour the guarantee. I want my money back but don't know how to get it without spending even more money There are quite a lot of internet postings on Aqualisa electric showers describing exactly the same fault - take a look. Don't buy Aqualisa showers.
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Hi there, My daughter was caught shoplifting 13th December with two other girls, all 17yrs old, at Primark. My daughter had a £10 top in her bag and it was her first offence, the other girls had similar items but have been caught before. My daughter was brought home after been "warned" by police and the other two received a caution. On New Years Eve my daughter received a letter from RLP Civil Recovery Specialists demanding payment from all or one of the three girls totalling £232 or court action will be taken. Now after reading posts on here, speaking with CABS and also reading Google historic pages I am more confused than ever as to whether my daughter should pay some, all or anything at all to this company. Three things mainly concern me: * How can they ensure one or all will pay and if one doesn't when do the others become liable? * If we pay nothing will this jeopardise my daughters chances of getting employment in the future? I work for a bank and had to jump through hoops to prove my employability and credit file. (NOTE: she lost her apprenticeship due to her diabetes related sickness the week after the incident so is now out of work, full time education and no training) * Will they send in the debt collectors if nothing is received from us? My daughter has been on a downward spiral for the past month or so and this is not helping at all. She is receiving help from her diabetes team for her mental health but this is putting far too much strain on an already struggling person. I really don't know what to do. Please, any help is hugely appreciated.... -
we bought a lodge to live in was informed by holiday site this was ok, we spent £82k on this my life savings this was in November 2015. since this happened I have been diagnosed with primary progressive m.s and decided to sell up and return home to Huddersfield. we informed the site and they have said they will buy it back for £37000 clearly we are all in the wrong business, since this happened we have found out how much they do this I would be very interested to hear from anyone who has purchased anything on sand le mere park in tunstall hull and had a bad experience we are taking this down the legal path. -
I'm on the wrong end of a county court case that has been total chaos. I never got the original application. I had moved (this was about possession, originally, but was settled and I moved out) the landlord had the papers sent to my old house, and didn't use my forwarding address. Eventually I found out about it and managed to get a copy of the application from the court a couple of days before the hearing. I got a "response" in but because it was late the judge didn't have it and it got adjourned and I got told to pay costs. I went to the PSU, asked court staff, went to CAB, asked about legal aid. Noone seems to be able to help. We had another hearing just recently, 3 days before the hearing the court told me they had no record of my original response. I sent another copy by fax and another by email to the court. They never acknowledged it. I called them back and all the court said was "anything you have sent will be provided to the judge". When I said I was worried as they could not specifically identify my response (while they could identify other things I had sent) they got stroppy with me. At hearing, I checked and the judge said he had got something from the date or the original response, which I took to mean he had received it. during the hearing he didn't seem aware of anything I had said in it and I when I tried to refer specifically to one thing I had to give him a copy of it. He found against me, taking my deposit away, in giving his judgment he said a number of things which lead me to believe he had not, in fact, seen any of my evidence. He said some things that are contradicted by the evidence I provided. The only evidence he referenced, at all, was that provided in the original application (by the other side). I don't know if the judge ever got my defence, or if he did, if it was complete, or whether he read it. I just learned (on CAG) about a thing called an Allocation questionnaire? I never got one of those. I I don't know what "track" this was allocated to. I didn't get a notice of hearing for the most recent hearing. I never got a copy of the orders made at the first hearing. It goes on... I'm a litigant in person. I have nothing left and am single parenting a disabled child on benefits while trying to find work (and fighting the council to get my child into school). I'm looking after my mum with Alzheimer's. I desperately need help. I tried to get the other side to mediate but they ignored me. At the end of the day, I can let the main matter go (that would be morally wrong, but I can live without it). The problem is the costs. I can't pay any costs, that will bankrupt me. I need to appeal. I have lost a week trying to get help from the CAB but I don't know where to start. I want to try to get pro bono help but I need to be referred to that? Anyone who has any advice on this, or knows where we can get real help... -
Sca mmers have been sending out a host of fake vouchers, purporting to be from some of the nation's favourite supermarkets and high street stores. These fake voucher promotions have been popping up all over Facebook, Twitter and the rest. You will be led through some questions to get your voucher and you will have to supply your mobile number and your address – ostensibly so your “prize” can be sent out. In reality, your phone will be hit by premium rate calls costing up to £5 each https://www.lovemoney.com/news/26495/dont-fall-for-this-supermarket-voucher-[problem] -
I am trying to replace my rather elderly Volvo estate. At the moment, I have a wheelchair hoist in the boot that lifts up my wheelchair and deposits it into the boot. The hoist is matched to the car, and the wheelchair, and it can be a pain finding a combination that will fit, and obviously, some tailgate openings are just too small. I therefore went to Volvo UK, and asked them for the dimensions of the tailgate opening of each of their estates - I mean, there are only three, and armed with those numbers I can go to the vehicle adaptations place and see whether my current wheelchair is possible, or if, indeed, any wheelchair/hoist combination will go in to the new body shape. Usefully, so far, I have been sent a price list with the boot volume in litres - and when I pointed out that was not what I needed, I was told to go to the local dealership and see whether my wheelchair would fit. I can think of various reasons why I would prefer their customer service to answer the question I asked: 1. They are unlikely to have all 3 estate models in one dealership. 2. They are unlikely to be very pleased at me lifting a large, scratchy, metal chair into the boot of a brand new car. It does scratch the bumper, and make marks on the carpet. 3. They are unlikely to be very pleased at me asking two members of staff to lift it into the cars, three times over. 4. It would still only give me a guess whether there is space for the hoist. 5. It is a long drive. 6. If Volvo UK are so flipping unhelpful now, before they have my money, I suspect that I have no chance afterwards. Reason 6 may yet prove to be the reason that makes the decision for me, despite my having passed my driving test in a Volvo, and always having driven them since. Does anyone have any idea where I could find the information on the actual size of the hole what leads into the back of the car on the 3 Volvo estate cars currently available? -
Hi guys, Got a bit of an issue with a PCN on a car I sold to a work colleague. The PCN came through and I gave it to him to sort out believing (a bit naively) that he would do so. He didn't, and it eventually went to a debt collection agency (Phoenix Commercial Collections). Once that happened I confronted him and told him in no uncertain terms I would not be happy if he continued to leave it. He has since set up a payment plan with the debt collectors and is paying it off (I'll be checking up on this if I can). I've today received a letter from the council who say; "Someone has written to us, explaining that the vehicle had been sold to them prior to the date of the contravention. However, the case is out of our hands: the enforcement agents now have a warrant to recover the money from you." They then go on to chastise me for parking on a double yellow line, despite them knowing it wasn't me. By the sound of it they hold parking on double yellows at 6:30am on a Monday morning as highly as the crimes of murder and treason. Frankly I'm lucky they aren't going for beheading in this case. They then give me the details of the collection agency and tell me I can seek independent legal advice. Now this letter has got my back up a bit here as I'm somewhat of an innocent party, the only thing I'm guilty of is trusting that a work colleague wouldn't f**k me over. I'd like to know what this county court warrant means. Is this a CCJ? Is this going to affect my credit rating in any way? My rating is currently recovering from me being an idiot as a student and I've worked incredibly hard to begin to get it to a place where I might be able to buy a house. This has got me quite worried!! Thanks in advance for any advice you have for me!
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Please help running out of options. Judge threw out our statutory declaration as out of time. No one will overturn judges decision despite all the evidence. We bought a car in 2011 from a neighbour. Registered and insured it. Two days later that car was stolen from us. The police were informed and took a statement for it to be reported stolen. They never found the car and it was never returned to us. The police told us to write off what we had paid for the car and cut all ties to it. We did this and cancelled the insurance we had. Apparently the dvla took us to court ( without our knowledge ) have said the case was successfully prosecuted. It was prosecuted because we never received the court summons so never turned up. The case was for keeping a vehicle that does not meet insurance standards. Our appeal was accepted in 2013 and the case was closed. The same appeal was sent to the dvla but they didn't respond until 2014 and it was no comment. Fast forward to Saturday 5th September baliffs banging down the door, assaulted me by forcing the door back on me and used an illegal threshold manoeuvre. Illegally clamped our (fully insured, fully taxed) vehicle and the police made us hand over our keys. Thursday 10th September the baliffs steals our car without authorisation and hits me side on with his vehicle when I ran out to get a warrant or authorisation from him. Marston's baliffs seem to act like rabid dogs all the time! Disgusting creatures to deal with. He was forced to return our car and the keys on Friday September 11th which he did. He also made a report against me for criminal damage. Apparently I ran out into the road and struck his fast moving vehicle! if I had been able to strike his fast moving vehicle the injuries to my arm would be on the inside of my arm not the outside. Personal injury solicitor taking my case against him. Same Friday judge threw out our statutory declaration as out of time. We are not paying a debt we do not owe as we have no legal obligation to insure a car we do not own and was stolen from us. The amount is £628 plus baliffs fees which they told us is triple the amount. Where do we go next please? -
A/ Why are hover boards sold if you can't use them on the pavement or road. B/ why do people text while crossing the road. C/ Why do some young people wear there trousers half way down. D/ Why do some people shout at someone if they are next to them. Any ideas of the above would be welcome and perhaps some of your own.. -
Several weeks into the post-ESA struggle for existence and I received the oddest phone call today from my "benefits advisor". Essentially it amounted to her pleading with me not to close my ESA claim. It was so mind-boggling, given the current climate of attack on the benefits system, that I have to set it out here in some detail. The advisor was responding to my letter declining the appointment made between me and her by the powers that be. Essentially I'd said - if they've stopped my ESA to what end would I be attending the appointment. I assumed that the people who stopped my benefit forgot to tell those making the appointments about the stopping. We are all accustomed to government departments which lack joined up thinking or performance. The woman says she's received my letter but please, why don't I apply for income based ESA. I tell her that (a) I can't face going through the whole assessment procedure again because of the stress and negative impact on my health and (b) when my husband was forced into early retirement he got his lump sum which is just enough to put me out of the running for benefit At which point she plays another card. They'll still be paying my NI benefits so I can't get away with not attending the appointments. I then say fine, stop them. Surely you can't expect me to drag myself an hour's journey each way for the sake of a meagre NI payment? It knocks me back for a whole day. The same woman who gave me such uphill the few times I saw her then proceeds to plead with me to let her keep my claim open, register that she spoke to me so I don't have to keep the appointment, and thus buy myself time to rethink the issue. What's going on here? I don't for one minute imagine that she's concerned for my welfare. Or at least not beyond not wanting me to be another addition to the scandalous statistics of the despairing poor, ill and infirm who have died as a consequence of the attacks on the social health and welfare systems. I reckon she's merely acting on instructions to go through the motions of seeing that people who come off benefits are given "assistance" and "advice". Meantime, we all know that people like me, the walking wounded, are the targets whom Ossie Ostrich has in his budgetary sights. Someone in my situation would be declined for ESA were I to apply afresh today. An asthmatic epileptic with a history of biomechanical and mental health problems is considered perfectly fit for work. (Cross the floor of the job centre to the desks dealing with JSA and they would deny this but there you go...............) Then there's that pesky £16 000 my husband received after 30 years of public service. It makes us "wealthy retirees" - we can eke this out over the next few years. If we're careful and only use it to build his monthly pension to two thirds of the official poverty line, it will last three years or four years. By the time we run out of all our resources and have absolutely nothing, not even our ability to work, to depend on, state assistance of any kind will have disappeared. So why's this woman calling me? What's she after? . -
Hi, My business partner and I are going to be registering our company very soon. I know that somewhere into the process, we're going to need to open a business bank account and designate that as our main account for the business. About 3 years ago, I opened a business account and had a business loan that was connected with that account when I opened it (by Lloyds TSB). This company was as a sole trader and wasn't a registered company. I had some payment issues and the business account was eventually closed, as I'd missed some loan repayments/late payments, etc. Ultimately, the loan was sold on by Lloyds and I've been paying it back ever since. I didn't go bankrupt or anything like that, and the loan wasn't a large sum of money. But I lost the business bank account in the process. I've been paying off the loan ever since through a debt consolidation company and all is fine in that regard. I was wondering if I'm likely to experience issues when opening a business bank account now? I'd use a different bank and I wouldn't be looking to get a loan or anything like that. It would purely be myself and my business partner using it as our official business bank account. Any help on this would be much appreciated,
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