I wanted to post this thread as I found out yesterday that the Insolvency Service are seeking to get me banned from being a director for up to 4 years and 3.5 years if I don't fight it. I took over an existing restaurant business in 2017 using a brand new company. The restaurant was failing under the previous owners and I managed to take it from a £5k a week business into a £10k a week business in a matter of a few months. The casual deal I had arranged with the owners of the brand was that I would pay them £1000 per week to operate the restaurant. When the owners saw how much I was making they demanded that it be increased to £1300 per week which I agreed to. I managed to make the first £20k VAT payment and £5k PAYE payment but quickly realized that if I did not make the weekly payments to the owner of the brand that I would be removed from the site with 30 days notice. I had an employee that was found to have stolen as much as £7k which was all documented with the Police and he was charged and convicted. We also had a weeks worth of flooding damage done to the restaurant. Long story short I did not manage to make any other payments to HMRC and after having failed to raise capital through high net worth investors which I hoped would allow me to trade through I placed the company into voluntary liquidation in Jan 2019. I have informed the Insolvency Service about all of this already and I am now being pursued and wish to disqualify me for up to FOUR years. I never took a salary during the time I ran the business and lived off my savings. I was left with a business overdraft debt to the bank for £25k which I had personally guaranteed. The restaurant was taken back by the previous owners who now have benefited from the changes that I made. Now I have no money to defend myself. Please can I ask the experienced members of this forum your advice on what I should do next: 1. It seems detrimental to my future to just accept it without a fight. The Insolvency Service have only offered me 6 months less in any case to hold my hands up to something I don't believe to be true. Can or should I act as a litigant in person if I have no other choice? 2. Should I try and find the money to pay a direct access barrister to defend me? 3. What should I do with my other two companies that still exist? 4. I have been told that there are only 1000 bans per year and that I am clearly just very unlucky as the term they are seeking me to be banned for his only 4 years - almost the lowest. Is it possible that the IS will give up if they know that I intend to vigorously defend myself? 5. If I go to court and lose with they seek to recover costs from me? 6. Does the disqualification stay on my record forever? 7. Does it affect my personal credit score and my ability to get loans? 8. Other than Companies House where are the records made public? 9. There were hardly any other creditors owed money but it seems that if I had not paid someone other than HMRC then I would not be being pursued. Do you think this is true? Please let me know any advice you think would be helpful to me in defending myself. Thank you!