Hello, At the time, they issued proceedings against three defendants, myself, my partner and the company under the same court action. We were unable to afford legal advice, tried hard to find free legal advice (proved hard as a business) and so we sent in a defence not realising that we had to send three separate ones. Consequently, myself and the company were given a ccj by default and I also received an interim charging order. I then took some (poor) legal advice and instead of fighting the ccj and getting that set aside, I tried to fight the charging order in court but failed. Once they had the charging order, they went for possession but I managed to find a buyer before they got that. They graciously gave me 6 weeks (so good of them) for the sale to go through. This all happened despite the fact that some (not all) of the papers we didn't receive as they sent later papers to our old business address. I only found out I had a ccj from phone calls I received from companies wanting to 'help' me. It was from them that we found out what had happened. Moral of that story is twofold: never believe that no news is good news and always get legal advice even if it means you don't eat! I would still like their paperwork to be properly reviewed as they were charging me, as guarantor, 30% interest on the company debt until the day I paid them off. But then, it was so traumatic that I am now just wanting to put it behind me. And now Nat West have cropped up. With an SAR, will it reveal everything they have on the company, and myself and my partner as directors? Or just the company? ANd would the guarantee we signed by covered by the CCA then? If so, what rights would we have? I want to fight this but don't want it to get to the stage of court proceedings again. Many thanks!

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 we had no copy until now). We have also never received a copy of the overdraft agreement signed in June 14 although we have one signed September 14 with a pp signature from the bank. We were also asked to sign a debenture (again, we have no signed copy) and also a postponement of directors loan account which we definitely didn't sign as they were still chasing us for that in February last year and I know we never signed this. I recently wrote to the bank asking for copies of ALL signed security documents and they only sent me the PG and waiver. I have written to them again today asking for the other security documents. Nether my partner nor I are ones to shirk our responsibilities but I would like to come to an arrangement/agreement with the bank to either pay a lesser amount or a small monthly payment. I have already lost 200k personally from the business failure and hoped that was the end of it. I have phoned several companies who state they deal with these types of issues but not one has come back to me. My question is How is it best to start the process of negotiation with Nat West and what should I say initially? And is it feasible that the guarantee could somehow be unenforceable? I should say that I had another company (Credit4 - beware!) took me to court re another directors personal guarantee for the same failed company and got a ccj and a charging order against a property I owned. i have had to sell that property (my main income) to satisfy their debt and have a small sum left over which I really want to keep to buy somewhere else to live now. Another £20k will add to my losses even more and will dent that small sum. I can't get a mortgage now due to this ccj, even though it is settled, hence why I need to keep as much as I can to buy somewhere to live without a mortgage. My partner now has a new job but has to live away as its not local. We cant afford to buy anything where he is working. Feeling really fed up and just wondered if anyone had some sensible advice on how to get a settlement agreed. Or to know someone who can help at a reasonable cost. A little light at the end of this dark tunnel would be so nice. Thank you in advance to anyone who responds to my request

Thanks Silver Fox! Yes, it must be an ANPR as there are two photos of my number plate, when I arrived and when left. having not bought a ticket i am assuming it is a machine where you have to put in a number plate or how else would they have known unless there was cctv or an attendant. The car park is about 20 miles from where we live so feasible to go back and see! If I appeal to Euro within the 14 days, will they then charge me the £80 full charge as I hadnt paid the reduced charge in 14 days? The 14 days are up on Monday. Cant afford £40 let alone £80!

Hi, Just received a parking charge notice from Euro car Parks for £80 or £40 reduced if paid in 14 days. Thing is, we were in the car park for exactly 2 hours to the minute, as evidenced from their entrance and exit photos. However, we did not buy a ticket at the time as on our way to the parking ticket machine we were given a valid parking ticket, which we innocently accepted, by another motorist as they were leaving the car park early. This ticket still had more than two hours on it. So, effectively we had displayed a valid parking ticket all the time we were in the car park. I am sure this has happened to others! Unfortunately, we disposed of the ticket when we left as, like normal people do, we believed we had parked legally and were within the time of the ticket. We did not get a ticket on the window from an attendant whilst there. However, the parking Charge Notice states that 'no valid pay and display/permit was purchased'. This PCN was received in the post and is dated 10 days after we commited the 'offence'. legally, as far as we are concerned, we displayed a valid car park ticket although we no longer have it as evidence. But we ourselves did not pay for it. We are thinking of appealing as surely it is up to them to prove we hadn't bought a ticket? Without returning to the car park I am not sure how they knew or whether it is a ticket machine where you have to put in your reg number. Also, I think we can appeal under the grounds of a disproportionate charge. Or shall I just pay up? still within the first 14 days so would be £40 not £80. Any advice gratefully accepted!