Testimonials

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

MC – June 2025

I started a company during the pandemic and it grew steadily for three years before, abruptly hitting a period of sharp revenue downturn in 2023. With a lot of fixed costs I simply could not move fast enough to manage the situation and it was very stressful. Eventually I found a solution to move on but it involved putting the company into liquidation. I had signed a personal guarantee for working capital and my only option was to face the music and tell the bank I could not repay the loan. This was really one of the most stressful things

JM – June 2025

Personal Guarantee are incredible! When my limited company went into administration I was left with a loan of £45k with a personal guarantee that I was unable to fulfil the £4K a month repayments for. Personal Guarantee negotiated on my behalf and got the total repayment amount down to less than half of the outstanding amount as settlement which was then achievable. Communication was great and the whole process very easy in what has been one of the most stressful experiences I’ve gone through, as they managed everything. Thank you Mel, Harry and Wendy, you’ve given me my life back.

RJ – June 2025

Following the liquidation of my limited company, Amex asserted that I was personally liable for an outstanding business credit card debt. I was unaware that the card carried terms making me personally liable for business borrowing on the card. This made an already stressful time even more challenging for me. I’m so pleased that I found Personal Guarantee to help me navigate through the situation. Mel was familiar with my position and instantly gave me much needed reassurance. The whole team were brilliant from start to finish and we ended up with the perfect result. I would highly recommend Personal

"... 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..."

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

PB – February 2025

I found Harry and Mel to be very professional, informative and honest with the advice I received from them. Their responses were quick and at a fair price. I would definitely recommend them to anyone who needs specialist advice help on a personal guarantee, they are certainly the experts. Thank you Harry and Mel.

AL – February 2025

The team at Personal Guarantee were very knowledgeable with the issue I had. I didn’t believe I was eligible for a PG against me although I was being threatened. With their support, I was able to put a strong case forward in which there was no further communication. They took a lot of stress away from the circumstances and were able to reach an excellent outcome.

"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..."

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.

RT – December 2024

I found Personal Guarantee after a long search and reviewing all the testimonials, and I had the pleasure of working with Harry and Wendy. Both Harry and Wendy were highly professional and empathetic, understanding our challenges with the bank in question following the imminent liquidation of our company. Their expert guidance and support gave us peace of mind and led to an excellent resolution. I would highly recommend Personal Guarantee to others.

IF – October 2024

Personal Guarantee was referred to me. I found Mel and Harry to be very professional and understanding of our situation with our bank, after our company was liquidated. They put our minds at ease and provided us with excellent support. This resulted in a very satisfactory outcome. I would certainly recommend Personal Guarantee.

"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"

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

DL – September 2024

Having a Personal Guarantee on what we believed to be a normal franchise agreement, my step son, his wife and I were facing legal action from our creditor, which put a lot of stress on the family. I was recommended to contact Personal Guarantee and, from the start, following an initial conversation with Mel, it was clear that Personal Guarantee had in-depth knowledge and experience of dealing with such situations and were able to quickly identify flaws and weaknesses in the signed franchise agreement. Mel, Wendy & Harry quickly took charge of the situation, contacting the creditor’s representative to initiate

LS – July 2024

We contacted Personal Guarantee after our business ended and we were left with a significant amount of personally guaranteed debt. We were getting a lot of pressure and aggressive threats from lenders about bankruptcy and it was very stressful for myself and my business partner. Mel helped us negotiate a vastly reduced settlement with our largest creditor which saved us over £15,000 in repayments and removed our personal liability to this creditor entirely. I would definitely recommend Mel and the team for anyone in a similar situation!