Mel Loades 
In dealing with so many CapitalOnTap credit card agreements to businesses over the years, we have seen a number of issues that has cast doubt on enforceability from time to time. A recent emerging issue appearing more frequently is a disparity between the credit agreement that was signed by the company and the agreement which … Read more
Further to our article on the 13th February 2023 regarding Amex Business Card Personal Guarantees (read it HERE) , we have found that none of the over thirty alleged American Express agreements signed from around 2017 to 2022 are enforceable against the individual that American Express allege are either a party to the card or … Read more
Thank you to Personal Guarantee for holding my hand the whole way through this very long process of settling my outstanding PG. Your patience, clarity of the matter and constant support make you the number one company in the UK. I will definitely recommend to use your services to friends and family.
Many trade suppliers, particularly in the building industry, include as part of their trade application forms a personal guarantee (PG) from directors. There was a time when such agreements were so badly constructed that they were very easy to fend off. Still, trade suppliers often won in court as the wrong arguments were put forward, … Read more
Over the last couple of months we have had people contact us setting out that Capital on Tap has either marked personal credit ratings with respect to limited company business debts, or marked their credit ratings on default. As far as we can establish, for most Capital on Tap agreements there is a separate PG … Read more
We reported in January that Just Cashflow plc (JCF) went into administration December 2022 and would come back on how this may change their approach to debt collection on personal guarantees. Well, things have changed very little; they still use their internal team for collections and the same firms of solicitors including John Morse Solicitors. … Read more
I contacted Personal Guarantee to try and help me out of an awkward situation I was in with some personal guarantees that had been called up after my company liquidated. They have been so helpful and reassuring all the way through. They managed to agree a settlement of 50% of the original balance for me.
Thank you to Mel, Harry and the team at Personal Guarantee for a first class service. As soon as I made contact Mel was reassuring and clear that the personal guarantee document that I had signed was not as water tight as it seemed. Mel’s team quickly became a strategic intermediary between myself and (the … Read more
Having inadvertently given a PG on what I believed to be a normal trade credit account application I was recommended to contact Personal Guarantee. From the outset, following an initial conversation with Mel, it was clear that Personal Guarantee had in-depth knowledge and experience of dealing with such situations and were able to quickly identify … Read more
After trying to deal with an outstanding debt with the bank, where they were threatening to repossess our family home which was a secured asset against a commercial debt and not knowing how to progress, I was referred to the team at Personal Guarantee. After speaking to and meeting the team my mind was put … Read more
