Mel Loades 
There was a time when Amex Card business personal guarantees would stand up to scrutiny but in the last four years or so we have seen Amex PG agreements that are at best contradictory and at worse unenforceable as to their clarity. There appears to be little clarity as to who the card is in … Read more
We used Personal Guarantee in dealing with a major high street bank in a long standing dispute after a recommendation from a solicitor. Joss Dicks took on our case after an initial phone call with the company. All negotiations were undertaken by Joss which took away a great deal of the stress we had suffered … Read more
I would like to take this opportunity to thank Mel, Harry & Wendy for their support while dealing with two very challenging PG situations. They were all very professional, courteous and re-assuring throughout the whole process. I would thoroughly recommend Personal Guarantee to anyone in a similar situation.
So the New Year brings forth the news that Just Cashflow plc has gone into Administration following their appointment of administrators of their holding company last summer as set out in our news item in August 22 Click HERE. FRP Advisory have been appointed as administrators for the company. How this will impact on ongoing … Read more
I really can’t thank these guys enough – from the initial call with Mel I felt a weight lifted from my shoulders! After many years of trying to deal directly with my bank regarding a PG I realised I needed to call in the experts to assist me. Personal Guarantee had been recommended to me … Read more
After being served a Statutory Demand I contacted Personal Guarantee and had an initial chat with Mel who was very helpful and reassuring. I worked with Mel and the Team and over the next few weeks, the team were always responsive and friendly. It was nice to have a “buffer” between myself and the creditor’s … Read more
We have seen some personal guarantees (PGs) signed by directors of companies in early COVID to support business lending by the Development Bank for Wales (“DBW”) that occurred in early April 2020 for Covid support. The lending refers to a “subsidised loan in accordance with the European Commission’s Temporary Framework for State Aid measures to … Read more
On the day I made my final Payment to the Bank to settle my Personal Guarantees with them I have a moment to reflect; I can honestly say that you have no idea how stressful the last 4 years have been dealing with so many Personal Guarantees and finding the money to satisfy them all. … Read more
JLG Group plc, the holding company of Just Cashflow plc, a prolific personal guarantee backed business lender, went into administration in June of this year. JLG Group plc’s website stated as at the 11th August that:- “ JLG, together with its subsidiaries (together, the “Group”) has encountered a number of financial challenges over recent years, … Read more
I cannot thank Mel, Harry, Wendy and the team enough. After a recommendation I contacted Personal Guarantee and spoke with Mel, he immediately put my mind at rest, his empathy and the manner in which he explained the whole procedure was a huge relief, my stress and worry levels became manageable. Unfortunately the Bank’s department … Read more
