Mel Loades 
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
During a very difficult time, post the financial crash, we sought assistance from Personal Guarantee to keep the banks at bay! Over the past 13 years Wendy and Mel supported us through a very difficult period, managing communications, and providing guidance and support, whilst being professional and remaining human about the whole process. Recently, with … Read more
After closing my business in late 2022 I then had a number of personal guarantees to then tackle. I started working with Mel and the team to deal with these. Beforehand I was looking over a cliff edge but with their reassurance and expertise they helped in tackling these one by one and am now … Read more
Capital on Tap, along with a number of secondary lenders, appear to have a higher level of defaulting debt at the moment. Since they primarily rely on director personal guarantees as security, we are receiving a large number of enquiries from guarantors being chased by Capital on Tap. They appear to have a new in-house … Read more
I received a referral to the team at Personal Guarantee from a colleague following receipt of a Solicitors letter relating to payment of a Personal Guarantee. Mel, Harry and the Team provided sound assistance on how to counteract the claim and after a few months of back & forth negotiation, a suitable financial settlement was … Read more
