Testimonials

We are very pleased to have been able to help so many

EC – January 2026

I was recommended Mel from Personal Guarantee by our liquidator we used when we had to put our business of 10 years into liquidation. We were under a lot of pressure and were being pursued for a personal guarantee of over 90K. Mel’s team, Harry and Simon, I could not recommend enough, they both listened and then went on to negotiate and support us in what to do next. This was the first time we had had to deal with a personal guarantee, and their knowledge and understanding was just what we needed when we were under so much stress.

BM – January 2026

Thanks to Simon and the team at Personal Guarantee. We had a very positive experience with this company. They handled our credit card settlement swiftly and efficiently, keeping us informed throughout the process and making everything clear and straightforward. Their professionalism and attention to detail gave us real peace of mind and the outcome was exactly what we hoped for. We would happily recommend their services to anyone looking for reliable and effective support.

OJ & NS December 2025

I am extremely grateful for the help and support I received from Personal Guarantee, especially Simon . He assisted me in dealing with a creditor related to a limited company where I had signed a personal guarantee. The situation was stressful and complex, but he handled all communications with the creditor professionally and effectively. Thanks to his knowledge, negotiation skills, and dedication, he was able to reach a favourable outcome and save me a significant amount of money. I truly appreciate his hard work and would highly recommend him to anyone facing a similar situation.

"... your knowledge of personal guarantees is superb, you are also very friendly and helpful..."

"... you took the time to discuss options and strategies without diluting the risks which still allowed me... to relax and think logically"

"The stress levels lifted immediately and working closely with Personal Guarantee made us realise that we were in good hands..."

MM – November 2025

There is no need to deal with such a troublesome area on your own. Without the financial means to utilise a solicitor I made some enquiries and Mel came recommended when speaking to someone about my situation. I received an honest appraisal and some clear guidance. I continued to receive assistance throughout the course of the legal pursuit. Mel and the team clearly have huge specific experience in this area. The anxiety dissipated and I was prepared to tackle the issue head on. With Mel’s support I reached a conclusion that was far better than the potential debt that had

LC – October 2025

I cannot praise this company enough, Simon provided support, guidance and direction during a very difficult time when my business went into liquidation. He helped me navigate negotiations with the lenders and kept communication links open throughout & he was able to obtain a settlement with a significant discount. I would have no hesitation in recommending this company

AW – October 2025

I was recommend the Personal Guarantee team by a friend of a friend. My company sadly had to be put into liquidation and I was left with some personal guarantee debt which was very frightening, After speaking with Simon and his team I was put at ease very quickly with his knowledge & support. He managed to negotiate a significant reduction on multiple debts which has saved me a lot of money. I’m very great full to Simon and his team at Personal Guarantee I would recommend them to anyone who is in this horrible position.

"Personal Guarantee quickly and professionally dealt with the banks agents to stop them harassing me..."

"Personal Guarantee were reassuringly helpful and made the whole process, which can be intimidating, very simple"

"... from initial review right through to mediation you were helpful, professional and very efficient..."

AM – October 2025

I contacted Personal Guarantee after being pursued for a personal guarantee, for a trade application form I had filled in for a company I no longer had any association with. I made the mistake of going down the solicitor route first. I came across this company by chance, thank goodness I did. I sent an email for them to get in touch with me. I was quickly contacted by Mel Loades. After speaking with him and explaining my full story, a weight had been lifted. It felt good to speak to someone with a very friendly manner, who actually had

MC – September

I can’t thank Personal Guarantee enough for their help. After my company went into liquidation, I was left with three personal guarantees on debts that felt overwhelming. They guided me through the whole process and managed to negotiate a significant reduction, saving me a huge amount of money and stress. Their expertise and support have been life-changing, and I wouldn’t hesitate to recommend them to anyone in a similar situation.

BT – September 2025

I recently had the pleasure of working with Harry at Personal Guarantee, and I must say, their professional support was invaluable. They thoroughly analysed my financial situation and provided strategic guidance that I wouldn’t have considered on my own. Thanks to their expertise, I was able to renegotiate terms and reduce liabilities, ultimately saving a significant amount of money. The team, Harry and Wendy’s dedication to my financial well-being was evident in every step of the process. I highly recommend their services to anyone seeking to optimize their financial commitments and ensure a secure financial future.

"Mel and the team have been fantastic and so helpful and professional in their approach..."

"Without Mel's help I would have driven myself crazy and cannot thank him enough for his assistance..."

"... you provided a calm, experienced voice at a time when emotions could easily have gotten the better of me"

RK – August 2025

Following a post-covid boom our industry went through an unprecedented, unexpected shock collapse and our family business of 14 years went down. We had a personally guaranteed business loan which completely debilitated our life because, due to the industry shutdown, we couldn’t keep up with the payments. Harry helped us negotiate a more affordable plan which made a real difference.

MC – June 2025

I started a company during the pandemic and it grew steadily for three years before, abruptly hitting a period of sharp revenue downturn in 2023. With a lot of fixed costs I simply could not move fast enough to manage the situation and it was very stressful. Eventually I found a solution to move on but it involved putting the company into liquidation. I had signed a personal guarantee for working capital and my only option was to face the music and tell the bank I could not repay the loan. This was really one of the most stressful things

JM – June 2025

Personal Guarantee are incredible! When my limited company went into administration I was left with a loan of £45k with a personal guarantee that I was unable to fulfil the £4K a month repayments for. Personal Guarantee negotiated on my behalf and got the total repayment amount down to less than half of the outstanding amount as settlement which was then achievable. Communication was great and the whole process very easy in what has been one of the most stressful experiences I’ve gone through, as they managed everything. Thank you Mel, Harry and Wendy, you’ve given me my life back.