Jump to content

  • Tweets

  • Posts

    • Thanks BN. I should add, that any Bailiff action is, to my mind unconscionable under the present circumstances, and the point should have been raised by the Master IMO. As usual our problem will not be, what the amendment says.  But more, what some EA will imply it says, on the doorstep.    
    • Yes agree UB it will be unworkable in practice, the issue being that some EA will regard the Virtual CGA as allowing them to physically force entry later if payment not forthcoming.  Or like some bailiffs used to try to imply that phone call a desperate debtor makes at Compliance stage is in effect a Virtual CGA when itn is nothing of the sort. Rule 1 it is known some  bailiffs Lie. Rule 2 Treat all bailiffs as liars until they prove they are not.
    • I cannot see many people agreeing to any virtual webcam review of goods to be controlled.     Many people in debt may not even have the facilities to be able to do this.   And the few that agree may try to have a laugh at the enforcement companies expense.  e.g. this painting is by well known local artist Peter Ist, but he signs his paintings as  P Ist and this other painting is by Brian Roke who signs his paintings as B Roke.     Who would agree to this without understanding the consequences ?      
    • Well poss unenforceable cca both lets see
    • Although I will be submitting another request as DVLA haven't stated when they responded to VCS with the information.  18th was a Friday,  VCS say they posted the letter on Mon 21th.  Seeing how this SAR has taken this long, I doubt the DVLA went all out to clear the request over the weekend, but we'll see.
  • Our picks

    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Personal guarantee to Jewsons builders merchant.

Recommended Posts

I resigned from a building co, on the 09/11/2012 the reason was bad organisation & bad financial planning.


On the 31/12/2020 I received a letter from a collection company asking for over £32,000 that my old company owes to Jewsons ltd.


attached to this letter is a letter saying personal guarantee dated the 02/08/12 a couple of months before I resigned.


I have never seen this before and certainly wouldn't sign a personal guarantee for the company it’s madness.


How they got it I do not know, maybe when I was asked to sign paperwork to resign they slipped it in.


I’ve had a good name in the building and was respected. 


Link to post
Share on other sites

Hello and welcome to CAG. People should be along to advise later.


So Jewson's have a guarantee that you signed? Were you a director of the company?


ETA: Which collection company please?


Best, HB

Illegitimi non carborundum




Link to post
Share on other sites

Topic moved to Debt Collection Agencies Forum.

We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service


If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites
Posted (edited)

Yes I was a director resigned in 2012, the c o, have ordered materials but not paid  in Oct&Nov 2020 eight years after I resigned.


E j Baring, no I did not sign this document but they have created it to look like I have!! It is dated a couple of months before I resigned because of bad management and bad financials. Absolutely no way Was this put in front of me, they owed me money!! 

Edited by Pension
More information.
Link to post
Share on other sites
  • dx100uk changed the title to Personal guarantee to Jewsons builders merchant.

Does the purported guarantee have your signature on it?  And presumably you would have noticed signing anything from Jewsons before you left?


If you are talking about unpaid invoices from only a couple of months ago, they're very quick off the mark to already be pursuing personal guarantees from a director who left eight years ago.

Link to post
Share on other sites

I would have noticed yes, how they did it I do not know!!

it was for 32,000+ over a two months period, how he got that credit as he's not credit worthy at all, black listed I believe.


Link to post
Share on other sites

can you post up a redacted copy of the agreement they are claiming is a personal guarantee?

so we can have a look.

and if you didn't sign what they hold, are you able to recall or look at you diary on the date it was allegedly signed.

seems a simple request, but in a similar situation for my husband i was able to see from old facebook posts etc, we were on holiday when something was allegedly signed.

anyway to prove you weren't there, by confirming your whereabouts else where?


and if you didn't sign, presumably the signature would be inaccurate, do you have other documents with your real signature on, that prove this signature is forged?


It seems

step 1- prove you didn't sign it 

step2- if you cant prove you didn't sign it , we need to pick apart the document they hold, not only do they need to send you the alleged guarantee you need to obtain a copy of the original credit application form and its allowable limit of credit offered etc.


Then we can advise further

  • Like 1
Link to post
Share on other sites

PDF only please

read our upload guide



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...