Testimonials

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

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.

"... 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..."

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.

"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..."

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

PB – February 2025

I found Harry and Mel to be very professional, informative and honest with the advice I received from them. Their responses were quick and at a fair price. I would definitely recommend them to anyone who needs specialist advice help on a personal guarantee, they are certainly the experts. Thank you Harry and Mel.

"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"

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.

RT – December 2024

I found Personal Guarantee after a long search and reviewing all the testimonials, and I had the pleasure of working with Harry and Wendy. Both Harry and Wendy were highly professional and empathetic, understanding our challenges with the bank in question following the imminent liquidation of our company. Their expert guidance and support gave us peace of mind and led to an excellent resolution. I would highly recommend Personal Guarantee to others.