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  1. The same thing has happened to me to. I owe £20k. But never agreed to my credit limit being increased and staff purchasing without my authority. It wasn’t even pointed out I was signing a PA. I stupidly thought I was signing on behalf of my Ltd company. They are threatening personal bankruptcy. Even though I have 0 equity in my house. They are bullies. They had me tears on the phone. They are rude, aggressive, threatening and do not support small businesses in any way. I spent a fortune with them over the years and they end up treating me like I want to be in this position, it’s my fault
  2. Hi I wonder if anyone can help me...? I bought some composite garden decking with a 10 year guarantee 3 years ago, had it fitted and all was fine. Now it is cracking and some has collapsed, it isn't due to how it was fitted it is due to the quality of the product. I have contacted the company I bought it from who have agreed under the guarantee to replace the failing boards but what are my rights because the boards are in the middle of the decking I will have to have someone take up at least half of the decking to replace the boards and there will also be a clear c
  3. I have had my car (Ford Fiesta) since June 21st last year. Now my issue is I have a knocking noise coming from the front passenger side of the car. No idea what it is. I rang Stoneacre up and they asked details and such and said your service is due, I had said, the service has been done through someone else because well they were cheaper then what stoneacre could do. He said ok, but your lifetime guarantee is invalid in that case, because you needed to get the car serviced with us for your warranty to be still valid. ok then, he said I can get the car serviced again with
  4. I was the director of a company that had a trade account with screwfix. When the account was opened it was opened in the ltd companies name and I was never told about an directors guarentee. The application form that I signed had been photocopied that many times most of the writing on it was illegible.. Stupidly I signed it and opened the account. A couple of years later the company got into financial difficulties, became insolvent and folded. I soon received word from screwfix`s solicitors that I had signed a directors guarantee and was personally liable for the company debts to sc
  5. Dear all, I mistakenly filled in a credit application for Screwfix in 2013 for a trade account (for a company I used to work at). This company has recently gone into administration and I have been sought after to settle the outstanding amount (nearly £1000) - as apparently the credit application doubled up as a "personal guarantee". Their credit app was not clear to me & it was blurred out and photocopied on a number of occasions. (yes I know I shouldn't have signed something I couldn't read) In addition I resigned and left the company in 2014. How can two different legal
  6. Hi and thanks again for the forum. I purchased a BRAND NEW Tower T17005 Low Fat Health Air Fryer 3.2L Black 3 year guarantee From Hemsworth Hardware on the 19 February 2017. Just recently the unit started to make an horrific grinding sound. I contacted the seller and he said he would speak with the supplier (like he/she is not the supplier). Since then the seller has ignored my emails. Question is - do I pursue this or am I wasting my time given that the unit is over 12 months old ? Thanks in advance.
  7. TODDLE2U ; are you still active on this forum and can you assist me with a pernsoal guarantee which has now been called upon from Travis Perkins. A lot of what's been said is similar to my situation. Credit application forms were signed in 2014, and like other we didn't know what we were signing for and a quick signature was given after form completed by office staff. There is no mention to seek independent legal advice on the form, should this be stated clearly?
  8. In Oct 2009, my ex-husband signed a personal guarantee to cover an existing business overdraft of £140k for the right to borrow £60k more from NatWest which the bank knew was due to pay credit card demands. The overdraft was totally unsecured before that. His business had clearly been failing for some time and they pressurised him to secure their previously unsecured lending. It was an extremely stupid decision on his part but we now know that he was succumbing to mental illness, from which he has never recovered. He broke down at the signing of the PG and was clearly in no fit state to m
  9. Hi, i have a rather serious issue regarding a PG that was falsely signed and witnessed. I have received a stat demand regarding the debt. Do I have a hope in fighting this on those grounds, or is it very difficult to prove and fight?
  10. Hello everyone, Please be nice, I appreciate this trouble was something that happened when I was not as smart around money. I have learned my lessons and now doing well. The problem I have is a company I used to be a director of. My partner left the country and me saddled with the personal overdraft guarantee of £2000. No other debts. It is difficult to remember all the details, but I remember it was for an overdraft with barclays commercial banking. I had to dissolve the company, appropriately notifying companies house. This all happened without a problem.
  11. I signed a franchise aggreement (unfortunately) and I would like to know if the : personal guarantee`s that was included is legal, if it was not witnessed, at the time of signing, and their is no provision for a witnesses signature, is there a set format for this, and could it be deemed invalid and/or, not binding? when is a deed not a deed? Your advice would be welcome. Thanks!
  12. Well another thread.Looking around saw a few articles on this idea and thought i would pop the idea on the forum. On this fine,sunny,crispy Monday morning in Spring to start the week off. Seems to be gathering momentum worldwide.Or the idea of. A bit rushed,maybe not that clear but a start that is all,i will find more articles as time goes on. But have a look around and have your say on what you think. Some say if companies were to invest massively in new machinery,many of our jobs could vanish. Saying the price of employing cheap labour is far cheaper than the modernising
  13. Many years ago, around 1996, I became a director of a LTD company owned by my ex partner. We had an agreed £20k overdraft on our HSBC (originally Midland) business account which ran until around 2011 when HSBC called us in and said that we could no longer have the overdraft and that we would have to transfer the £20k to a Managed Business Loan. I jointly signed the loan with my ex partner. Some time after this and without my knowledge, my ex partner removed me as a director. Please can anyone advise me: 1. Am I responsible for the loan which I believe is still outs
  14. Hi all. My wife bought a 2013 Hyundai i3 earlier this year and it's 5 year Hyundai guarantee runs until 1/5/2018. The car has developed a few clutch issues and the dealer we bought it from says to contact the nearest Hyundai dealer to address this. Anyone had any issues with Hyundai before?
  15. The Direct Debit Guarantee says: "If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society If you receive a refund you are not entitled to, you must pay it back when the organisation asks you to" Twice now I've succeeded in getting a refund within hours. Both times with the Coop Bank, but all banks seem to have similar or worse procedures. The Coop says "before making [a refund]... we need to establish whether the claim fal
  16. hi, i made a dd indemnity claim on the 13/12/16 the bank are asking for the advance notice letter, i contacted the company concern and they have refused to deal with me. the payments which they took are in error and i believe im entitled to a full and immediate refund of the amount paid from my bank. also i shall give them 30 days to investigate then i want to claim the refund back in court. also im going on breached of their obligations under the banking contract, Banking: Conduct of Business sourcebook (BCOBS),section 150 Schedule 5. what would b m
  17. I think this is probably a general question but in my case it applies some very expensive private dentistry work I had done. The treatment finished in April 2016 and is covered by a 12 month "aftercare" or guarantee. Since then I have had to go back to the dentist to re-insert a loose crown and bridgework which he fitted. This was done free of charge. The twelve month period is coming to an end and again I have problems with the same two teeth - a crown fallen off and a loose bridge. Unfortunately the company I used (a larger cosmetic surgery company) no longer offers dentistry and ha
  18. ...that leaks fae places over all... No action required...just a cautionary tale.... No Honour Waited over a fortnight for them to come and fix a small leak from the tank. Said the warranty was null and void due to a small hole drilled in the back to accommodate fitting. Even though this was nowhere near the fault and had nothing to do with it ie it wasn't what caused the fault. The shower was faulty and it wouldn't have mattered a jot how it was installed as the internal part was leaking from the heating tank (the other end from the drilled hole)
  19. As a former director of a company that is subject to a winder, I can being sued for sums due to a trade supplier under a PG. I resigned before the winder was made. The debts were incurred during my directorship. Can the trade still sue me?
  20. Hi all, I am wondering if anyone can help me. I bought a second hand car in 2014 from Stoneacre Grantham for £7,000 the salesman who sold it to me (who actually was the branch manager) offered me lifetime warranty for the car for £1000. I took him up on his offer and had the lifetime warranty added ONTO the value of the vehicle - bringing the total goods value up to £8,000. I've now had an issue with the vehicle which I would like to claim on the warranty for - however Stoneacre are telling me that they have no record of me purchasing the warranty. H
  21. Hello All I am currently being harassed by ROCKWELL DEBT RECOVERY for a guarantee I signed a few years ago. Back in 2011 I closed a business (ltd) which was losing money all was OK and went well with that side of things, I knew that I had signed a personal Guarantee with Lloyds to get access to the LOAN GUARANTEE SCHEME that the government ran. I knew it would be a matter of time before they came knocking but I waited and waited and nothing happened, until I got a letter last November from lloyds asking me to contact the wholesale banking recoveries. I did
  22. Dear All, In June 2014, my partner and I arranged an overdraft with our business bank (Nat West) as match funding for a government loan scheme. We were asked to sign a personal directors guarantee and, at the same moment in time, signed the waiver to legal advice form in the bank's office. Sadly, our business has now been declared insolvent and the bank are now calling in the personal guarantee for £20k. Originally, we did not believe we had signed a guranatee but the bank have now come up with the evidence (although that was never originally forwarded to us so
  23. Hi I bought a mattress 2.5 years ago which had a five year guarantee.(£270) The springs have gone on one side. I emailed the place I bought it from who passed on the complaint to the manufacturer. we sent a photo of the sagging and told them we have regularly turned it, which we have. They sent sent an email saying "they do not believe the mattresses has been kept in accordance with the guidelines and will be taking it no further" as far as we know we have followed all the guidelines and rotated it regularly. Is that the end of it now? We thought it wo
  24. I have been starting up stock trading with an expert mentor whose made millions doing it. I clocked up some loses £20k and despite some success loses are increasing. When at £20k he told me "I guarantee you will get that back", in a message (we are in contact continuously). I'm guessing this would not be sufficient to pursue legal means to recover loses should it become an issue? If its possible at all, what would be required for a guarantee written in a message to be legally enforceable? Can I have an example of such a message in this context? Thanks!
  25. Builders merchant "Credit Account Application Form" had no terms and conditions printed on it or attached to it but stated "by signing this agreement you are agreeing to accept the terms and conditions of ************, a copy of which is available on request". I did not suspect there to be any onerous conditions and certainly not a personal guarantee clause, so I did not request a copy of the terms and conditions. It would now appear that under their clause headed "Financial Condition" the following wording appears. "If the company becomes insolvent or goes into liqu
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