With Christmas 2018 fast approaching banks will be using their normal strategy of preparing their legal claims to drop through letterboxes just before 'close of business' on Christmas Eve.
Getting 'advice' for a Director's Personal Guarantee Debt Claim around Christmas is extremely difficult until at least 2nd or 3rd January 2019 - so it's a good strategy for banks to issue a claim because legal claims immediately start the legal clock 'ticking' and puts the customer under extreme pressure.
To anyone who knows there is a bank claim 'lurking' already we would suggest they seek assistance before 17th December rather than get 'rushed' into answering a legal claim without any help at Christmas.
Eddy Weatherill - Independent Banking Advisory Service (IBAS)
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