Business Loan Recovery
Could I be held personally responsible if the business folds?
Quite often, no. Most emergency lending from that period was written without a personal guarantee, so the debt normally stays with the company. Exposure appears where trading carried on past the point of insolvency, where money was drawn for something other than the stated purpose, or where a separate undertaking was signed later. We read the facility agreement first and tell you plainly which of those situations applies to you.
What does “improper use” of a support loan actually mean?
Broadly, spending the money on anything the scheme rules did not permit — paying down a director’s own borrowing, moving funds to a connected business, or taking a dividend the accounts could not support.
Is it possible to agree a longer term or a smaller balance?
Frequently, yes. Lenders will look at a documented repayment proposal, and a written schedule backed by realistic forecasts is far more likely to be accepted than an informal request over the phone.
A notice about being barred as a director arrived. What now?
Treat the response window as short. There is usually room to answer the allegations with contemporaneous records, and in many files a negotiated undertaking is preferable to a contested hearing.
Could this show up on my credit file or block future roles?
A company debt sits with the company unless a guarantee was given. A disqualification, by contrast, is published on the public register and will surface in most professional appointment checks.
Land & Boundary Claims
Does long use of a strip of land move where my boundary sits?
It can. Continuous, obvious and unchallenged occupation over a long period may found a claim, though the evidential bar is high and registered titles are treated differently from unregistered ones.
May I shift a fence back to the line I believe is correct?
Not before the line is settled. Moving a fence first tends to convert a paper disagreement into a trespass allegation and weakens an otherwise sound position.
Would an open dispute stall a sale or a remortgage?
Usually it delays rather than prevents. Buyers’ solicitors will raise enquiries, and lenders often want either a signed boundary agreement or indemnity cover before they release funds.
Roughly how long do these disagreements take to settle?
Most conclude in four to nine months through correspondence, a surveyor’s plan and mediation. Files that reach a full hearing typically run past eighteen months.
What is the likely cost, and can I recoup my legal fees?
We scope a fixed fee for the opening stage so you know the exposure early. Recovery of costs from the other side is possible on a successful claim, but it is rarely complete and never guaranteed.