“Facing Legal Threats Over £20K Debt — Please Help

Aim: to help an honest, hardworking individual escape the crushing weight of a £20K business debt that has spiraled into legal Court threats.

“This is what he has written — please take a moment to read it all:”

I believe that everyone aspires to be successful in life, and people put in their best efforts to excel in their work to support their livelihoods. I never imagined that I would be writing this or sharing it with all of you. Like many others, I tried to think differently for the sake of my family, friends, and loved ones. Until the end of 2022, I was working a regular job in banking. In early 2023, I was offered a managerial position at an IT company. However, I soon realized that this experience was helping me prepare to launch my own business. At the time, I had no idea that this decision could lead to such a disaster for me.

One of the reasons I decided to start my own business was that my employer wasn't compensating me fairly despite taking advantage of my hard work. With only a small amount of savings, I decided to take out a loan from the bank and started setting up my company. Within a few months, I had all the required documentation, such as company registration, licenses, and the office lease. However, I soon discovered that it was much easier to establish a business than to manage it successfully.

After the launch, I began facing continuous losses, which seemed impossible to stop. Despite spending almost all of my savings to keep the business afloat, I could not prevent it from failing. I ended up losing not just my personal savings but also the bank loan I had taken, which was accumulating interest. The loan and other expenses related to the office now amount to around £25,000, and the bank has already started threatening me with legal action, including travel bans and police involvement. I’ve never experienced such a dire situation in my life.

During this tough time, I tried to pay the loan in installments, but I was soon unable to continue due to the financial struggles and business losses. Now, I don’t even have a job that can help me make those payments. My only goal right now is to stop the bank from escalating the matter to court, but I need funds to do so. Unfortunately, I don't have the money, and I am turning to this platform in the hope that you can assist me.

I want to make it clear that I am putting in every effort to find a higher-paying job that would enable me to repay the bank, but at the moment, I can barely afford to take care of myself. I would be deeply grateful to anyone who can help me in this challenging situation.

I understand that it can be difficult to trust people online, especially when money is involved. So, I welcome you to verify my business details with local authorities. I can provide you with all the necessary documents, including my trade license for Desire World Software Development LLC, loan correspondence, and bank statements. You are also welcome to contact my bank directly for confirmation—I have nothing to hide and am committed to transparency.

If you need further information or would like to investigate anything I’ve shared, please feel free to reach out to me, and I’ll be happy to respond.

A special note: Even though I am going through a tough time, I kindly request that you do not contribute any zakat funds to my campaign, as I do not accept zakat. Thank you for your understanding.

New version

I believe that deep down, every human being dreams of a better life—not just for themselves, but for the ones they love. We work, we sacrifice, we try to push forward, hoping that our efforts will one day bring security, stability, and pride. I never imagined I’d be in a position where I’d have to write this, to lay bare my struggles in front of strangers. But life has a way of humbling us. Like many others, I wanted to do something meaningful—not only for my future, but for my family, my friends, and the people who believed in me. Until the end of 2022, I was working a stable job in the banking sector. It wasn’t glamorous, but it helped me stand on my own feet. Then, in early 2023, life presented me with an opportunity: a managerial role at an IT company. It felt like a step forward, and it gave me a glimpse of something I had always quietly dreamed about—starting something of my own.

At first, the experience was empowering. But as the days passed, I realized that what I was really gaining wasn’t just a job title—it was preparation for a bigger leap: building my own business. I had no idea that this leap of faith, made with nothing but ambition in my heart and faith in my hands, would lead me into the most difficult period of my life. One of the main reasons I took this path was because I was working tirelessly, but my efforts weren’t being valued. I was giving everything, and getting little in return. I believed I could create something better—something of my own. With only a small amount of savings, I took a risk. I went to the bank, took out a loan, and began setting up the foundation of my dream. Slowly, I got the company registered, secured the necessary licenses, and signed an office lease. It felt like progress. It felt like hope.

But hope can be fragile.

The truth hit me hard and fast: building a business is one thing—keeping it alive is another. Not long after launching, I began facing losses. Every day felt like I was pouring water into a leaking jar. No matter how hard I tried, I couldn’t stop the bleeding. I used up all my savings, believing things would turn around. But they didn’t. Then the loan money went too. Still, I didn’t give up. I kept pushing, praying, sacrificing sleep and peace of mind. But the storm didn’t pass—it only grew stronger. And then, everything collapsed. My business failed. I lost the savings I had worked for over years. I lost the bank loan, which is now growing with interest. Today, I’m drowning in a debt of around £25,000, and the bank has started issuing threats—legal action, police involvement, even a travel ban. I’ve never felt fear like this before. It’s like living inside a nightmare you can’t wake up from.

During this painful time, I tried to repay what I could, making small installments while holding onto hope. But the losses didn’t stop, and neither did the bills. Eventually, I couldn’t keep up. I no longer even have a job that could help me repay the debt. Right now, my only goal is to stop the bank from taking this matter to court—but even that is out of reach without financial help. It’s a helpless, hollow feeling—to want to make things right, but not have the means to do so. And so, with all humility, I turn to this platform, and to you, hoping someone out there can understand the weight I’m carrying and offer a lifeline.

Please know, I am not giving up. I’m doing everything in my power to find a higher-paying job, something that will allow me to rebuild and take full responsibility for the debt. But as of now, I can barely afford to take care of myself. If you can help me in any way, even a little, it would mean more than I can ever express in words. I understand how hard it is to trust people online, especially when money is involved. That’s why I am opening myself up fully. You are welcome to verify everything I’ve said. I can provide all the necessary documents—my company’s trade license (Desire World Software Development LLC), the loan correspondence, bank statements—anything you need. You can even contact the bank directly. I have nothing to hide. I just need a chance to set things right.

If you need more information or would like to check anything I’ve shared, I invite you to reach out to me. I will respond with honesty and transparency. And one final, heartfelt note: even though I am in a desperate situation, I humbly request that you do not send zakat funds, as I do not accept zakat. I appreciate your understanding. Thank you for taking the time to hear my story. If you choose to support me—financially or even just with a kind word—it will bring me one step closer to healing what’s broken. Thank you, from the bottom of my heart.

Funding method

Keep what you raise – this project will receive all pledges made by 15th August 2025 at 8:36pm