Testimonials
We are very pleased to have been able to help so many
AM – September 2025
Mel and the team provided support, guidance and direction during a very difficult time when our business went into liquidation. It was a great relief to have them negotiate and communicate with an aggressive lender, and Mel got a better result than we could ever have expected. I have no hesitation in recommending them to anyone in a similar situation, they know their stuff! Thank you!
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
DM – April 2025
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 and possibly illegal methods of trying to collect on a non PG’d limited co debt, so far so good.
CG – March 2025
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 team were friendly and reassuring and guided me to a solution that resolved the situation swiftly and fairly painlessly.
DH – March 2025
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 darkness that can surround some of this paperwork. He gives you the confidence and feel-good factor that things will get resolved, and on both occasions that I have needed his help – they have! I have no hesitation in recommending people to get in touch
MR – January 2025
I was referred to Personal Guarantee by a business associate after a business of which I was a Director and guarantor went into Administration. It’s a situation you don’t find yourself in every day, so I certainly needed help with this unfamiliar situation. The lenders chasing you for their guaranteed loans are classed as business loans – which are not covered by consumer lending legislation and protection. Both Mel and Harry were very good at reassuring me and helped me understand the lenders tactics and what my negotiation position was. It was expensive for me but the best possible outcome,
TH – December 2024
When I found myself in a challenging dispute with American Express over a business card, Personal Guarantee proved to be an excellent choice. From our first interaction, they demonstrated deep expertise and a thorough understanding of my situation. Their communication was clear and professional throughout, and they built a strong case based on their extensive experience with similar matters. Thanks to their diligent work and detailed knowledge, the issue was successfully resolved in my favour. The peace of mind they provided throughout the process was invaluable. I highly recommend Personal Guarantee to anyone facing similar corporate card disputes.
BR – December 2024
When our company went into liquidation, we were referred to Personal Guarantee to help manage the aggressive tactics some lenders were using regarding our personal guarantee liabilities. Mel and Harry were a great support, providing us with clear support and practical guidance during a challenging time. They helped us navigate negotiations with the lenders and made sure we understood all our options. With their assistance, we were able to reach a positive resolution. We would definitely recommend Personal Guarantee to anyone facing a similar situation.
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 tactics that an extremely favourable outcome was reached.
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 final stages of a project. The lawyers appointed by Amex were extremely aggressive trying to manipulate phone calls so that you accept liability. Mel at PG had a call with me to discuss options. A good solution was decided on and the matter was put