Testimonials

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

RJ – June 2025

Following the liquidation of my limited company, Amex asserted that I was personally liable for an outstanding business credit card debt. I was unaware that the card carried terms making me personally liable for business borrowing on the card. This made an already stressful time even more challenging for me. I’m so pleased that I found Personal Guarantee to help me navigate through the situation. Mel was familiar with my position and instantly gave me much needed reassurance. The whole team were brilliant from start to finish and we ended up with the perfect result. I would highly recommend Personal

RH – May 2025

I’m extremely grateful to the team at PG for their personal and professional approach to resolving a distressing situation with American Express, attempting to enforce a personal guarantee on a Limited Company debt. The team kept me well informed and well assured at every step. Using their experience and knowledge, a solution was reached promptly to alleviate my concerns. I would fully recommend PG to anyone in similar situations.

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.

"... 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..."

AL – February 2025

The team at Personal Guarantee were very knowledgeable with the issue I had. I didn’t believe I was eligible for a PG against me although I was being threatened. With their support, I was able to put a strong case forward in which there was no further communication. They took a lot of stress away from the circumstances and were able to reach an excellent outcome.

RG – February 2025

When our company went into liquidation one of our trusted advisors put us in contact with Mel and Harry to assist with personal guarantees that the Directors had with Funding Circle. Personal Guarantee fronted the negotiation with Funding Circle on behalf of the Directors and very quickly negotiated a deal within a period of weeks to reduce the amount that we each had to pay to satisfy the guarantee. Their assistance and support helped at a difficult time and we would recommend them to anyone facing a similar situation.

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,

"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..."

IF – October 2024

Personal Guarantee was referred to me. I found Mel and Harry to be very professional and understanding of our situation with our bank, after our company was liquidated. They put our minds at ease and provided us with excellent support. This resulted in a very satisfactory outcome. I would certainly recommend Personal Guarantee.

DT – October 2024

Personal Guarantee assisted me in defending a personal guarantee liability for debt from a limited company placed in liquidation. The process was long and drawn out due mainly to the banks inability to deal with matters quickly but also due to the untimely death of my business partner who was also being pursued for the debt. The team kept me fully informed and were able to advise and guide me to a positive conclusion.

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.

"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"

LS – July 2024

We contacted Personal Guarantee after our business ended and we were left with a significant amount of personally guaranteed debt. We were getting a lot of pressure and aggressive threats from lenders about bankruptcy and it was very stressful for myself and my business partner. Mel helped us negotiate a vastly reduced settlement with our largest creditor which saved us over £15,000 in repayments and removed our personal liability to this creditor entirely. I would definitely recommend Mel and the team for anyone in a similar situation!

JS – July 2024

After searching online to find help with my PG debt I came across personalguarantee.co.uk; I sent an email out of hours and then had a phone call the next morning from Harry. Harry was super helpful and polite and put my mind at ease, quickly and affectively assisted me with very helpful advice. I highly recommend this company.

YC – June 2024

I am writing to express my sincere gratitude to Harry and Wendy from Personal Guarantee. When two big hitters were demanding large sums of money their expert guidance and support was invaluable. Harry and Wendy worked tirelessly to negotiate and reduce the debt, ultimately securing an affordable payment plan for me. Their professionalism, dedication, and expertise have made a significant difference in managing my financial obligations. I highly recommend Personal Guarantee to anyone in need of similar guidance. Thank you, Harry and Wendy, for your outstanding service.