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. They should not be allowed to conduct a business in this way.

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?

My daughter had a card with Dorothy Perkins which was run by Santander. In 2011 she tried to re-mortgage only to be told she had a bad credit rating. She checked Experian and saw a charge from Santander. She did not recognise this and phoned them and was told that it was for a Dorothy Perkins card. She then spoke to another company who we think were the Lewis Group. This was on the 6th October 2011 and she told them, rightly or wrongly, that she would pay it straight away to try and clear her credit history. She then paid the money to a firm of solicitors called Howard Cohen who confirmed on the 6th that the money had been received and then sent a cheque to the court and got a Certificate of Cancellation. However when we checked her Experian account it still shows: Current Balance.............Satisfied Default Date....................21/07/11 Satisfaction Date.............18/10/11 She moved house in 2008 and had her mail redirected for a year and in that time received nothing from either Dorothy Perkins or Santander. So prior to this going to court she knew nothing about it. In fact if she had not tried to re-mortgage she would still not be aware. We have been trying to get Santander to remove this from her file but were told that as she did not pay the minimum as required under her Credit Agreement £12.00 late charges were applied to her account. I have asked Santander for details of how the money we paid was made up. I have a suspicion that most of it was late charges. I know we should have queried the whole thing before paying up but decided the remortaging was more important and as it happened, and is still happening, the mortgage was refused. Does anyone have any suggestions about where we go from here.

Hi, everyone. New to forum and first post! I had this problem with Travis Perkins recently, they petitioned for bankruptcy and it was dismissed at the hearing. Hope this gives hope to anyone else!