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Hi all, Im glad I found your website as I have a real problem with our bank...this is a bit of a weird one.

In 2002 I took out a bank account for my business, a Ltd company, and provided all documents, certificate of incorporation etc. The business went bust last year and there was an overdraft on the account. The bank have started chasing me for the debt, however I have never given a directors guarantee.

Am I personally liable if I haven't given a personal guarantee? The original application form should have the correct details on, but is it likely the bank would have a copy 13 years down the line?

Ive tried to communicate with them but they've just issued a CC claim to my name, T/A my Ltd company name.

Any help or the benefit of someone's knowledge would be massively appreciated.