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Using “DMHEF” for personal guarantee debt with non-critical mental health issues
It has been well-documented for decades now that financial stress can and frequently does take a significant toll on the
High Court to consider if assignments from Funding Circle to Azzurro Associates are legal
There is a High Court action challenging the ability for Azzurro Associates to buy Funding Circle debt around the terms
Metro bank plc pursual of Ratesetter Personal Guarantee and Loans doubt
It is some time since a Metro Bank company, Retail Money Market Ltd promoted loans as an agent on behalf
Funding Circle Collections Policy Shake-Up
We have helped over 500 individuals facing personal guarantee claims relating to defaulted Funding Circle business loans over the past
American Express unenforceable personal guarantee on alleged joint Amex Business Cards – UPDATE
Below is an update on our previous articles on Amex business cards (read HERE) due to a new development. It
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
COVID 19: How negotiations may proceed (#6)
Sixth and final video in our series on COVID-19 and how it affects personal guarantees.
COVID 19: How Creditors will view your financial position (#5)
Fifth in our series of 6 videos on COVID-19 and how it affects personal guarantees.
COVID 19: Your Personal Finances’ impact when dealing with a PG (#4)
Fourth in our series of 6 videos on COVID-19 and how it affects personal guarantees.
COVID-19: Key Factors in a Personal Guarantee claim (#3)
Third in our series of 6 videos on COVID-19 and how it affects personal guarantees.
COVID-19: How you should first respond to a Personal Guarantee Demand (#2)
Second in our series of 6 videos on COVID-19 and how it affects personal guarantees.
COVID-19 The effect on Personal Guarantees of Business Debt (#1)
The impact of Covid-19 on business and business debt is far-reaching to say the least. And consequences of defaulting business debt on personal guarantees will
Online Signatures in Personal Guarantees
Mel Loades, of Personal Guarantee, talks about online signature fraud in relations to personal guarantee settlements.
Business Loss and Mental Health
Mel Loades talks about the effects of business loss on mental health.
Choosing an Insolvency Practitioner
Mel Loades, of Personal Guarantee, talks about choosing an Insolvency Practitioner.
Getting A Personal Guarantee Settlement Done – Part 5
In the final episode, we talk more about the knowledge and intelligence needed to settle a Personal Guarantee.
Getting A Personal Guarantee Settlement Done – Part 4
In this episode we look at the processes organisations use to pursue a guarantee.
Getting A Personal Guarantee Settlement Done – Part 3
In this episode we look at the external factors that effect the Personal Guarantee.
Getting A Personal Guarantee Settlement Done – Part 2
In this episode we look at the circumstances of the guarantor.
Getting A Personal Guarantee Settlement Done – Part 1
In this episode we look at the attitude of the organisation that is relying on the guarantee.
Secondary Lending
Mel Loades, of Personal guarantee, updates us on secondary lenders and Personal Guarantees.
Bank Debt Collection
Mel Loades, of Personal Guarantee, talks today about bank debt collection departments, Personal Guarantees and some of their concerns regarding future property values.
Secondary Lending Market – Part 3
Mel Loades presents a three part video series on the downward spiral that is the Secondary Lending Market.
Secondary Lending Market – Part 1
Mel Loades presents a three part video on the downward spiral that is the Secondary Lending Market.
Secondary Lending Market – Part 2
Mel Loades presents a three part video on the downward spiral that is the Secondary Lending Market.
Aggressive collection tactics on allegedly personally guaranteed trade account balances
When directors are being pursued under personal guarantees for a limited company debt, it can be incredibly difficult to take a
Just Cash Flow: Update for Guarantors and Companies
It has now been over 18 months since Just Cash Flow plc (JCF) went into administration in December 2022, and almost
American Express unenforceable personal liability on alleged joint Amex Business Cards – UPDATE
A NEW UPDATE TO THIS MATTER CAN BE FOUND HERE Below is an update on our previous articles on Amex business
Update on Capital on Tap Personal Guarantees online discrepancies
Further to our previous update on the 24th November (READ HERE – “Capital on Tap marking personal credit ratings for business
Why would you sign a Personal Guarantee for a Company debt?
BUSINESS LOANS/ REVOLVING CREDIT/ ASSET LEASING PGs The behaviour of the high street banks and the banking crisis of 2008 changed
What To Do If A Creditor Affects Your Personal Credit Rating Because Of An Alleged Personal Guarantee Default
Further to our previous breaking news regarding personal credit file black marks for alleged personal guarantee debt, particularly by Capital on
Capify Personal Guarantee doubt
Capify is a trademark licensed to both United Kapital Limited and Capiota Limited. Capify used to promote credit card backed business
Capital on Tap Personal Guarantee enforceability issues
In dealing with so many CapitalOnTap credit card agreements to businesses over the years, we have seen a number of issues
American Express Business Card unable to enforce Personal Guarantees
Further to our article on the 13th February 2023 regarding Amex Business Card Personal Guarantees (read it HERE) , we have
Trade Supplier Personal Guarantees Enforceability Issues
Many trade suppliers, particularly in the building industry, include as part of their trade application forms a personal guarantee (PG) from
Capital on Tap marking personal credit ratings for business debt Personal Guarantees?
Over the last couple of months we have had people contact us setting out that Capital on Tap has either marked
Just Cashflow Update
We reported in January that Just Cashflow plc (JCF) went into administration December 2022 and would come back on how this
CapitalonTap Personal Guarantee Collections
Capital on Tap, along with a number of secondary lenders, appear to have a higher level of defaulting debt at the
365 Business Finance – Personal Guarantee solicitors and letters before action
We have a number of clients who are being pursued by solicitors Valemus Law appointed by 365 Business Finance with respect
American Express Business Card Personal Guarantees validity?
There was a time when Amex Card business personal guarantees would stand up to scrutiny but in the last four years
Just Cashflow plc in administration
So the New Year brings forth the news that Just Cashflow plc has gone into Administration following their appointment of administrators
Question on Development Bank for Wales loans personal guarantees in early COVID
We have seen some personal guarantees (PGs) signed by directors of companies in early COVID to support business lending by the
Just Cashflow holding company goes into administration
JLG Group plc, the holding company of Just Cashflow plc, a prolific personal guarantee backed business lender, went into administration in
Potential lack of knowledge of Debt Respite Scheme for Mental Health amongst professionals and secondary lenders
We have published several articles on the mutual impact of financial stress and mental health (**articles listed below), but there does
Azzurro Law acting on behalf of Azzurro Associates get aggressive
Azzurro Associates are an American Hedge Fund backed UK company that purchases debt, particularly Personal Guarantee debt from the likes of