Testimonials

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

CL – September 2026

I cannot thank Simon and his team enough, after my business went into liquidation I found myself with a PG. Simon kept me up to date every step of the way and managed to negotiate almost a 50% reduction. I would not hesitate to recommend Personal Guarantee to anybody that finds themselves in this difficult position.

CS – August 2026

We cannot speak highly enough of the support we received from Personal Guarantee. From our very first conversation with Mel, we felt that we were dealing with people who genuinely understood the situation we had found ourselves in and, more importantly, knew how best to approach it. There were no unrealistic promises, just clear guidance based on a huge amount of experience. Simon then took over the day to day handling of our case and was exceptional. He was thorough, knowledgeable and always took the time to explain the reasoning behind the approach being taken. Communication throughout was excellent and

DM – August 2026

Following the liquidation of the business I was involved in, I approached the team at Personal Guarantee to help negotiate a PG settlement with a particularly aggressive creditor. Simon talked me through the approach that we were to take and the outcomes that I could expect based on previous experience with the creditor. A final settlement was agreed, which was the best case, within a matter of months. A fantastic result and a great end to months of stress and anxiety and a result that I could not have achieved on my own.

"... 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..."

SH – July 2026

I have no hesitations in recommending Personal Guarantee, the services from Mel, Harry and the team were excellent. Their all round knowledge and experience of dealing with such matters is paramount and provided us with a great outcome. We were faced with an unforeseen company liquidation with personal guarantees linked to the American Express card debt. With their full guidance and experience they managed to agree a very satisfactory outcome for all parties involved.

HS – July 2026

I could not thank Simon and the team at Personal Guarantee more. I was stuck not being able to liquidate my company because of personal guarantees and what seemed like an impossible task. They managed to get me out of a personal guarantee which allowed me then to finally liquidate my company, after 2 years of funding the company out of pocket. Simon and the Personal Guarantee team have been extremely valuable, they’ve helped me save tens of thousands and finally help me get over what looked like an impossible hurdle to be able to liquidate my company without being

KE – July 2026

I am incredibly grateful to Personal Guarantee for their support, professionalism, and dedication throughout my case. Their team was knowledgeable, approachable, and kept me informed every step of the way. Thanks to their expertise and negotiation skills, a settlement was reached on my behalf that I was very pleased with. They made what could have been a stressful process feel straightforward and manageable, and I truly appreciate the positive outcome they helped achieve. I would highly recommend Personal Guarantee to anyone seeking reliable and effective support.

"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..."

LM – June 2026

Simon and the team removed all stress from a very difficult situation. They got me a reduced settlement. Excellent communication at all stages. Thank you.

PJ – June 2026

Recently, I had a problem with a personal guarantee that I had made with a bank. Personal Guarantee was recommended to me for help. They did an excellent job taking the pressure off me by talking directly to the bank. They sorted a very good settlement in a professional and efficient manner. I would completely recommend them.

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

"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"

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.