Testimonials

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

SJ – August 2026

We’ve been delighted with the service provided by Mel and Harry. We had a difficult PG to negotiate with HSBC, and their expertise has resulted in a settlement which is considerably less than the original claim. At all times they’ve been highly professional and provided excellent advice on how to progress the negotiations. We have no hesitation in recommending them, and they are continuing to progress another matter for us following resolution of the bank PG.

TB – July 2026

Mel and Harry were huge helps during a stressful period and helped navigate through to a settlement. Harry in particular took the lead and achieved a massive 97% reduction in the claimed amount from AmEx. Whilst we dispute any money was ever due to them, the peace of mind from having the matter resolved was worth the small amount paid to fully deal with the issue.

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.

"... 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..."

MB – July 2026

I would highly recommend the services of Personal Guarantee to anyone facing this sort of situation. Mel and Harry were extremely helpful and diligent and were able to negotiate with the Finance company that were chasing me for payment on an old Personal Guarantee; a much improved resolution than I would have been able to negotiate myself. I have no hesitation in recommending them .

VS – June 2026

Following the insolvency of our business, we found ourselves facing a personal guarantee demand that felt completely overwhelming. Mel and Harry were recommended to us, and from the very first conversation they were straightforward, knowledgeable, and calm — exactly what we needed. They took the time to explain our options honestly, never sugar-coating the situation, but always giving us a clear path forward. Their negotiation on our behalf resulted in a settlement we genuinely could not have achieved alone. We are also currently working with Simon on a further matter, and the same professionalism and clarity has carried through throughout.

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.

"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..."

DW – May 2026

I was happy with the service, professionalism and dedication of the Personal Guarantee team dealing with the issue securing a wonderful 86% reduction in the amount I had to pay to creditors.

RT – March 2026

I worked closely with Personal Guarantee over a two-year period to resolve a complicated situation with American Express. Harry, Wendy, and the team worked tirelessly to negotiate on my behalf, ultimately settling the matter in full. The situation took a real toll on both my health and finances, but Harry was determined to find a solution that both parties could agree on — and he delivered. We received a very generous discount and settled the difference. The result was massive for us, and the relief is beyond words. I cannot stress enough how much of a difference this has made

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

"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"

GS – March 2026

Mel and the team have provided me with just the support I needed in dealing with a personal guarantee. Having them on side gave me a great deal of confidence that we were doing everything possible to manage a difficult situation. I could trust them to guide me through a confusing process and to be in my corner. They gave me the facts so I could make an informed decision on how to proceed and we arrived at a solution which has saved me a lot of stress and cost. I would be very happy to recommend them to anyone

JL – March 2026

Experiencing the devastation of our company entering Administration, facing the stressful situations of Personal Guarantees seemed absolutely overwhelming. Thank goodness we were introduced to Personal Guarantee, Simon and his team were very very helpful and reassuring throughout the whole process, he kept us informed at all times, kept us calm and managed to negotiate us a very good settlement, when the world seemed an unfriendly place, Personal Guarantee showed us that decent people do exist…we HIGHLY recommend this company.

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