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

NH – November 2019

I would like to thank Mel and his team for their pragmatic and realistic advice over the past years helping me deal with a protracted joint and several personal guarantee situation. Without Mel and his teams help we would not have been able to settle at a 50% reduction. Great professionalism and support throughout. 

TS – October 2019

I found Personal Guarantee from a web search and after reading existing testimonials decided to contact them. A High Street Bank was demanding payment against a joint & several guarantee. I had read and been given some informal advice that I would be able to settle at a reasonable level befitting my financial circumstances. I had been trying to deal with the bank directly on my own but it soon became clear that they were only interested in a 100% repayment whether in a lump sum or monthly installments even though I was past retirement age. I was getting very

PR – October 2019

Mel and his team provided us with complete and realistic advice that allowed us to make an informed decision. This resulted in an expedient and pragmatic resolution of a problem that could have ended in a costly protracted dispute. All issues attended by Personal Guarantee were undertaken in a thoroughly professional manner – we have no hesitation in recommending them.

JR – September 2019

We would just like to thank Joss Dicks for all his work in helping us settle a Personal Guarantee that has caused so much stress for so long. With his help and support we are now able to put what has been an extremely difficult time behind us. Having been totally misled into buying a franchise business using borrowed funds the business soon failed. It was very hard to trust somebody else to deal with our financial affairs and we struggled along for quite some time dealing with the bank as best we could. That was a big mistake because

DM – September 2019

Having personal guarantees called upon can be a very daunting and stressful experience especially if they are triggered by a traumatic experience like losing a business. Having the bandwidth to deal with creditors can be overwhelming. Despite originally seeking the counsel of lawyers, who proved to be both expensive and did not give us confidence, we turned to Personal Guarantee for help. Joss Dicks not only took away the burden of negotiating with creditors, gave good solid pragmatic recommendations and negotiated a very workable settlement, saving us thousands we didn’t have. In times of difficulty when you are vulnerable it’s

IL – September 2019

After helping a family member out with a new business, we became indebted to some loan companies. We were given the details of Personal Guarantee and approached them to help us. Mel transferred us to Faye and with the help of Harry, Wendy and Helen, Personal Guarantee were able to negotiate final settlements with these companies and get them off our case. This was a frightening experience for us and without the help from Personal Guarantee I don’t know what we would have done. Our sincere thanks go to them. We wouldn’t hesitate to recommend this agency to anyone who

TC – September 2019

Having received a demand from the Bank for repayment under the terms of a personal guarantee I decided to look into having someone represent me who had experience in dealing with Bank guarantees. A quick search on the internet led me to ‘Personal Guarantee’ and I spoke to them and they, straightaway, gave me the confidence that they could achieve a better result than I could on my own. The ensuing months saw a lot of correspondence to just track down the right person in the Bank so that negotiation could begin. Once in contact with the right person they

SB – August 2019

I was recommended to Personal Guarantee in July 2016. I was being aggressively pursued by a bank for immediate payment of 100% of a joint and several guarantee, related to a company I had left previously. Mel is a leading expert in the field of Personal Guarantees and quickly assessed the situation and provided decisive expert advice in developing a strategy and provided immediate guidance and reassurance. Mel and his excellent team effectively took control of a situation that was outside my area of expertise and as result massively reduced the stress of a difficult situation. They worked professionally and

KW – July 2019

I was distraught at the failure of our family business and the legal wrangles that arose from that. One of those headaches was the Personal Guarantee my wife and I had with the bank. It took 3 years of agony and stress to reach an agreement. Mel and his team worked tirelessly and creatively to try to find a way forward with the bank who eventually agreed to a proposal. We could have handled the situation ourselves but our lack of knowledge about how banks operate coupled with our near-paralysing stress levels would have meant we would never have achieved

RS – July 2019

Mel Loades is the country’s leading expert in helping business owners with Personal Guarantee issues. Mel’s knowledge regarding these affairs is second to none. He offers great strategic guidance and is always on hand to offer support and advice. He has helped me through an extremely difficult situation with a PG that I signed when I was desperate for investment to help save my business. Like many other business owners In this situation, I was not clear on what I was getting myself in to. The banks are your friend when you are in business however they quickly turn against

IL – July 2019

I got in touch with personal guarantee after I helped out a relative over a failed business venture. Initially I dealt with Mel who put me in touch with Faye. Over time, with help from Wendy, Helen and Harry, they were able to help me resolve an issue with a quite aggressive company which resulted in a substantial reduction in the initial claim. I would not hesitate to recommend this company to anyone who is in difficulty with a business related Personal Guarantee.

TS – June 2019

I was being chased for a debt for a business that I no longer had any association with. After researching online I came across Personal Guarantee. Speaking with Mel and the team, it was clear to me that they were the company to help. Mel and the team’s knowledge regarding these issues are second to none and they put my mind at easy knowing I was in good hands. They gave great advice and options all the way through the process, keeping me up to date at all stages. Without their expert knowledge, help and support I would have not