Business debt issue

[chetan]

Hi

I used to run a small shop as a sole trader and business was not good and stopped trading in january 2009 and left the premises, which were on short licence basis.

 

I have few creditors which i dealt with in past at my shop address and someone at the shop which i left used my name and bought some goods from my creditors under my business name.

 

A High Court

enforcement officer

turned at my home in Sep 2009 to ask the money from me for the debt, which is not mine, I applied for set judgement aside (which was taken in default at the address of shop which I left in 2009). I done all i could to convince court that someone has used my business name and not paid for.

The judge di not agree and asked me to pay for the debt which is in efect not mine.

Meanwhile this creditor, after taking CCJ on my business name, has gone through and asked the charging order for the debt to be paid against my house.

I am planning to go into dmp

and need to know if these debts which i ma not liable but still have to pay and they have taken a charge against my house. does this form as unsecured debt or secured?

[postggj]

Were you a ltd company or have you any personal guarantee in place

[chetan]

No, I was trading as sole trader and still is just downsized my business and tried shop, didn't wok and selling on internet, now.

answer is was not limited company.