Mel Loades 
Further to our last update in August 2024, Just Cash Flow plc (“JCF”), who went into administration in December 2022 have further extended the administration through to December 2026. There appears to be some confusion about who owns what personal guarantee debt, with assignments to various other organisations, so it is difficult to plot what … Read more
Following the liquidation of my limited company, Amex asserted that I was personally liable for an outstanding business credit card debt. I was unaware that the card carried terms making me personally liable for business borrowing on the card. This made an already stressful time even more challenging for me. I’m so pleased that I … Read more
We have had good success over the years in removing charges on personal properties that were put in place to support personal guarantees or limited company debt directly while the company was trading. This has been particularly successful where the demand on the personal/ guarantee charge, or the company debt itself defaulted more than 12 … Read more
I’m extremely grateful to the team at PG for their personal and professional approach to resolving a distressing situation with American Express, attempting to enforce a personal guarantee on a Limited Company debt. The team kept me well informed and well assured at every step. Using their experience and knowledge, a solution was reached promptly … Read more
Thanks to PG for providing guidance, assurance and on going support through a stressful period with Amex, who wrongfully tried to pursue a non personal guaranteed limited company debt. They have many clients like myself who needed the proper support in responding to letters by Amex and their lawyers trying to collect on an unenforceable … Read more
I was “Door-stepped” with a Stat Demand for a substantial 5 figure sum, due to having signed a personal guarantee for a company I had actually exited several years before and completely forgotten about. This was obviously quite a distressing situation. I turned to Personal Guarantee for help after a personal recommendation. Mel and the … Read more
This is the 2nd time I have called upon Mel and his team for assistance, and for the 2nd time their support and guidance has been spot on. Mel has the ability to simplify and iron out the difficulties that you can see when dealing with these financial documents and guarantees, a light in the … Read more
I found Harry and Mel to be very professional, informative and honest with the advice I received from them. Their responses were quick and at a fair price. I would definitely recommend them to anyone who needs specialist advice help on a personal guarantee, they are certainly the experts. Thank you Harry and Mel.
The team at Personal Guarantee were very knowledgeable with the issue I had. I didn’t believe I was eligible for a PG against me although I was being threatened. With their support, I was able to put a strong case forward in which there was no further communication. They took a lot of stress away … Read more
When our company went into liquidation one of our trusted advisors put us in contact with Mel and Harry to assist with personal guarantees that the Directors had with Funding Circle. Personal Guarantee fronted the negotiation with Funding Circle on behalf of the Directors and very quickly negotiated a deal within a period of weeks … Read more
