Testimonials

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

DM – November 2025

I was having issues with some credit facilities I had via my limited company at the time. I received a statutory demand and searched the internet for a reputable company to help. Simon was amazing from start to finish, he took the stress away and dealt directly with the creditor, the demand was originally for over £20K they settled on £10,500. The second creditor, they weren’t moving on a reduced amount, however, Simon negotiated an affordable payment plan which is now in effect. All sorted out very quickly. Simon is very responsive and very knowledgeable. I would highly recommend Personal

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

"... 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..."

AC – October 2025

Personal Guarantee was recommended to me as I found myself with 2 businesses that had gone into liquidation, both linked and with cross guarantees. I also had a PG/charge on the family home, not a great situation. From the first conversation with Mel I gained a great sense of comfort that I was dealing with someone who knew their stuff and had a wealth of experience. Simon dealt with my case throughout and I quickly learned that this pivoted on how the bank had conducted their charge/PG and if it had been done properly. I remember Simon saying to me

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.

"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 – 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

"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"

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