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  • #1

    Up against it diary

    hello again!

    I'm injured, waiting for surgery and it hasn't taken long being self-employed for it all to come tumbling down

    I'm hoping to get fixed and back on my way although there is no guarantee, or when that could be so looking for pointers on which way to go - i guess down the unenforceability road.

    Business account debts

    Overdraft £5K
    Credit Card £3k
    Bounce back loan £5K

    Personal account debts

    Overdraft £1k
    Credit Card £8700
    Credit Card £5700

    Universal credits in place which is much appreciated (i've never had anything from them), but as you probably know isn't income replacement.

    Thanks for reading !



    When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.
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  • #2
    Sorry to hear of your problems, SAG. I take it that your business debts (except your Bounce Back Loan) are subject to your personal guarantees?

    This link may provide some useful info regarding help with the Bounce Back Loan -

    https://www.realbusinessrescue.co.uk...back-loan-help

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    • #3
      Hi Still Waving!
      Thank you for your reply, and sorry for the very slow one. How rude of me! I've been a but rough and had two visits to A&E but I'm back on things now.

      Thanks for the link.

      I spoke with Lloyds and they deferred the bounce back loan and removed my overdraft facility which completely snookered me.

      I'm going to update the diary now as I have recently received what appears to be a LBA from Shoosmiths.

      BW
      SA Gold
      When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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