Mel Loades

KE – October 2024

Unfortunately our company had to enter liquidation, which resulted in some very aggressive tactics from lenders. Harry & Mel where a great support during a very stressful time and helped to negotiate a personal guarantee debt. They made things very clear and I would recommend them to anyone in a similar situation.

MW – October 2024

Personal Guarantee assisted me in reducing a personal guarantee liability, which took many years due to the slow response from the Bank. Mel picked up my file after the previous consultant, Joss, retired; Joss was superb, as was Mel. They kept me informed every step of the way and it was through their skill and … Read more

CJ – September 2024

I was recommended to contact Personal Guarantee (PG) by a lawyer friend following a tricky situation I found myself in. I contacted PG following an accusation from Amex holding me personally liable for debt from a limited company which unfortunately went into voluntary liquidation due to a client who ran out of money in the … Read more

Super-Complaint to FCA regarding Personal Guarantees for Business Loans

In December 2023, the Federation for Small Business (FSB) filed a “super-complaint” with the FCA concerning the increased requirement for personal guarantees to secure business lending. In March 2024, the FCA responded to that super-complaint by embarking on a variety of data collection, reviews and testing of lending firms and policies FCA compliance with respect … Read more

DL – September 2024

Having a Personal Guarantee on what we believed to be a normal franchise agreement, my step son, his wife and I were facing legal action from our creditor, which put a lot of stress on the family. I was recommended to contact Personal Guarantee and, from the start, following an initial conversation with Mel, it … Read more

LS – July 2024

We contacted Personal Guarantee after our business ended and we were left with a significant amount of personally guaranteed debt. We were getting a lot of pressure and aggressive threats from lenders about bankruptcy and it was very stressful for myself and my business partner. Mel helped us negotiate a vastly reduced settlement with our … Read more

JS – July 2024

After searching online to find help with my PG debt I came across personalguarantee.co.uk; I sent an email out of hours and then had a phone call the next morning from Harry. Harry was super helpful and polite and put my mind at ease, quickly and affectively assisted me with very helpful advice. I highly … Read more