Testimonials

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

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

"... 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..."

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.

"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..."

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

"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"

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.

KP – June 2024

After losing our family business after 21 years of trading I found myself in a totally new world where I knew very little and faced a steep learning curve against people who were well versed in what they could and couldn’t do and they were fast approaching us to personally pay for some of the company obligations. Some of these obligations were correct and some were not and the emotional grief at losing our business which we had grown from nothing, coupled with the instant pressure of people trying quickly to recover monies due/not due was immense and put a

SR & ND – May 2024

We are so glad that we used your services, upon receiving a demand from our bank for personal guarantees we had signed and charges on our personal properties, the bank went on to claim all guarantees including those that had expired and those that had been replaced; further to this, the amount they were demanding relating to the current liability was double the amount actually owed. Personal Guarantee sorted everything out including extending the payment date and negotiating a reduced offer on our behalf. We would not of been able to resolve this without your help and would certainly recommend