Testimonials

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

MH – May 2026

I had a merchant cash advance for two companies and fell into difficulties. The lender was extremely aggressive and called in debt and personal guarantee, I tried to negotiate but they swatted me away with a 7 day letter before action. I had combination of poor legal team and some difficult personal / family circumstances over a few months which compounded my stress. I had the discussion with Mel, sacked my solicitors and the PG team took over at the 11th hour, after proceedings were well under way with court hearings. They managed to swiftly come to an arrangement that

GP – May 2026

Thanks to Simon, Mel, and the entire team for their outstanding support. They helped me confidently negotiate with my creditors and guided me through to a successful settlement. Their professionalism and understanding made a stressful situation much easier to handle. I highly recommend their services.

DW – May 2026

I was happy with the service, professionalism and dedication of the Personal Guarantee team dealing with the issue securing a wonderful 86% reduction in the amount I had to pay to creditors.

"... 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..."

CJ – March 2026

I had an excellent experience with Personal Guarantee and wouldn’t hesitate to recommend them. Harry, Wendy, and the team were professional, responsive, and made the whole process feel simple and straightforward. Thanks to their expertise and support, we succeeded in reaching the outcome we wanted, which speaks volumes about their knowledge and dedication. They were always available to answer questions and provided reassurance when needed, giving me real confidence throughout. Overall, a very positive experience with a trustworthy and knowledgeable company. I would happily use them again.

PS – March 2026

I cannot recommend enough working with Personal Guarantee if, like me, you were being hounded by a creditor for alleged guarantor payments. After unfortunately having to liquidate our company, the liquidators recommended the guys at Personal Guarantee to me to see if they could assist, and from the 1st phone call they filled me with a little bit of relief, in what was a very dark time with worry. The business credit card company wanted over £17000 from me personally and now after their negotiations they have agreed on a £3000 settlement to put an end to this part of

GS – March 2026

Mel and the team have provided me with just the support I needed in dealing with a personal guarantee. Having them on side gave me a great deal of confidence that we were doing everything possible to manage a difficult situation. I could trust them to guide me through a confusing process and to be in my corner. They gave me the facts so I could make an informed decision on how to proceed and we arrived at a solution which has saved me a lot of stress and cost. I would be very happy to recommend them to anyone

"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..."

HS – January 2026

I couldn’t thank Simon enough for the help and support he’s given with my Personal Guarantee. He negotiated down a settlement for my Credit Card debt and not only helped me save thousands but also helped me cross off the biggest debts I had over me personally. His understanding and guidance throughout the process was excellent and he delivered on everything he said he could.

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.

"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 – 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