Mel Loades 
We have published several articles on the mutual impact of financial stress and mental health (**articles listed below), but there does appear to be some lack of awareness amongst some creditors chasing a personal guarantee debt and some of the professionals acting on their behalf of the Debt Respite Scheme for Mental Health that was … Read more
Mel and the Personal Guarantee team provided me with a greater sense of control during the most challenging and stressful period of my life. The personal guarantee that I was being chased for was in dispute but we came to a settlement that was achievable for me, and the creditor got a face-saving outcome. Whilst … Read more
Azzurro Associates are an American Hedge Fund backed UK company that purchases debt, particularly Personal Guarantee debt from the likes of Capital on Tap, Boost Capital, Fleximise, Liberus and most notably Funding Circle. They have been a focus of attention on some articles by The Times Enterprise Editor James Hurley (click on links for articles) … Read more
This article is noteworthy for the level of debt consolidation referred to.
Following my initial contact with Personal Guarantee and being in contact with Joss they have been first class. Working on my side to get the correct solution for me. Although this situation most people find themselves in can be stressful Joss made the situation flow and dealt with the matter in hand contacting me when … Read more
Below is an article published by wealth management company Mattioli Woods, which is on financial well-being which unfortunately for many of our clients, cannot be considered to be the case. If you require urgent help for mental health, please go to: https://www.nhs.uk/nhs-services/mental-health-services/where-to-get-urgent-help-for-mental-health/ If you are struggling with mental health issues resulting from financial distress, help … Read more
Like most people in business, you never plan for it to go wrong. After signing several PGs whether as asset finance or business expansion loans, you put the consequences to the back of your head and leave the thoughts as filed! Sadly when something goes not according to plan, they came back to bite us … Read more
So often we hear from guarantors or their advisors that it was reckless lending by the finance company or that the directors were not compelled to go and get legal advice when they signed the personal guarantee. Certainly this was of some concern for some of the main high street banks in the 1990’s and … Read more
As per the below article by James Hurley of the Times, Funding Circle are the last of the major players pulling out of the peer to peer lending market as 95% of the loans they provide to businesses are now from institutions, government entities, public and private funds.
Please see article written by James Hurley of The Times early in March. We have seen isolated incidents of this sort of thing happening, mostly by individuals within banks rather than a concerted organisation effort. However, we have seen just as worryingly documents provided by a Rotherham based bank collections office through their solicitors purporting … Read more
