Testimonials

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

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

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

"... 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..."

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

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

"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..."

OJ & NS December 2025

I am extremely grateful for the help and support I received from Personal Guarantee, especially Simon . He assisted me in dealing with a creditor related to a limited company where I had signed a personal guarantee. The situation was stressful and complex, but he handled all communications with the creditor professionally and effectively. Thanks to his knowledge, negotiation skills, and dedication, he was able to reach a favourable outcome and save me a significant amount of money. I truly appreciate his hard work and would highly recommend him to anyone facing a similar situation.

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.

"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"

AW – October 2025

I was recommend the Personal Guarantee team by a friend of a friend. My company sadly had to be put into liquidation and I was left with some personal guarantee debt which was very frightening, After speaking with Simon and his team I was put at ease very quickly with his knowledge & support. He managed to negotiate a significant reduction on multiple debts which has saved me a lot of money. I’m very great full to Simon and his team at Personal Guarantee I would recommend them to anyone who is in this horrible position.

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.