Testimonials

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

LH – March 2026

I engaged Personal Guarantee to assist with two separate personal guarantee matters during an extremely challenging period following business insolvency. From the outset, they demonstrated a high level of expertise, control and strategic thinking in how they approached both cases. They took full ownership of creditor communications, removed a significant amount of pressure from me personally, and carefully managed the negotiation process to ensure the strongest possible position was presented at each stage. Their understanding of how creditors operate and how to structure negotiations was clearly evident throughout. Across both matters, they were able to secure full and final settlements

RA – March 2026

The personal guarantee process was very stressful as it came after the liquidation of a company and created huge uncertainty and stress. The Personal Guarantee team from start to finish were incredibly helpful and as reassuring as it is possible to be. Their hard work shielded me from direct negotiations that would have been even more stressful. They worked diligently to present some pretty dire facts to the lender and negotiated a ‘very good’ settlement on our behalf that reflected the situation on both sides. In the middle of a tough situation, I could not have asked for more from

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.

"... 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..."

ST – March 2026

All I can say is that if you are having problems with aggressive lenders who pursue Personal Guarantees after a Limited company has closed, just speak to Mel and the team ASAP. I wish I had found them months sooner, they have literally changed my life. What started as a £385k debt was settled for £65k, without this settlement I would have lost my house. Working with Personal Guarantee has been an absolute lifeline during an incredibly stressful and uncertain period. Their team took the time to fully understand my financial circumstances, helped me prepare detailed and accurate documentation, and

CV – February 2026

Personal Guarantee have been absolutely amazing – I was allocated Simon to look after me and he has honestly gone above and beyond – he’s treated me like a human- not just like a case, which has been my experience when trying to deal with banks/creditors myself. I took me two months to make the call to Personal Guarantee due to anxiety and feeling ashamed, but from the moment I spoke to Simon, I felt comfortable and at ease and like he could actually help me. I wish I had called sooner and saved myself so much worry during the

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.

"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..."

RP – December 2025

Simon helped me to navigate a very stressful situation where I was deemed liable for a loan that my company took out, following their insolvency. He was impressive; professional, very knowledgeable and practical, and he devised an approach that was ultimately successful in reducing the liability very substantially. I found the fact that he could handle all the negotiations extremely comforting. Additionally, his team was responsive, and he was always available when needed. All-in-all it was a very positive experience despite the circumstances.

MR – December 2025

Having been through a company administration, I was introduced to Harry at Personal Guarantee. He diligently sought to understand my financial position and provided strategic guidance throughout the process which reduced my personal guarantee debt substantially. A huge thank you to the team’s dedication to support through the challenging period; couldn’t recommend them enough.

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

"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"

SM – October 2025

We are very pleased with the level of service we received from Simon at Personal Guarantee. Due to a company liquidation, he managed to reach an agreeable settlement with one of our suppliers with whom we had signed a PG, to the point where we are now dealing with them again under our new company. We wouldn’t hesitate to use or recommend their services again, if needed.

AN – October 2025

Simon and the team at Personal Guarantee were brilliant. They removed all the stress from my difficult situation. The matter was dealt with quickly and saved me a lot of money. I’d recommend Personal Guarantee to anyone having problems with a PG.

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