Testimonials

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

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.

RW – July 2026

After talking to liquidators following the sudden collapse of our business, due to a principle partner breaking contract, myself and another director were faced with a horrifying amount of personal guarantees; we were advised to speak to Personal Guarantee which turned out to be the only bright spot in an awful business. The team at Personal Guarantee were kind and supportive and had a real understanding of the dire personal financial circumstances we were facing. They took on the entire task and using their experience and expertise, gained from hundreds of similar situations, negotiated some quite frankly unbelievable settlements, quite

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 .

"... 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..."

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

GP – May 2026

Thanks to Simon, Mel, and the entire team for their outstanding support. They helped me confidently negotiate with my creditors and guided me through to a successful settlement. Their professionalism and understanding made a stressful situation much easier to handle. I highly recommend their services.

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.

"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..."

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.

PS – March 2026

I cannot recommend enough working with Personal Guarantee if, like me, you were being hounded by a creditor for alleged guarantor payments. After unfortunately having to liquidate our company, the liquidators recommended the guys at Personal Guarantee to me to see if they could assist, and from the 1st phone call they filled me with a little bit of relief, in what was a very dark time with worry. The business credit card company wanted over £17000 from me personally and now after their negotiations they have agreed on a £3000 settlement to put an end to this part of

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

"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"

HS – January 2026

I couldn’t thank Simon enough for the help and support he’s given with my Personal Guarantee. He negotiated down a settlement for my Credit Card debt and not only helped me save thousands but also helped me cross off the biggest debts I had over me personally. His understanding and guidance throughout the process was excellent and he delivered on everything he said he could.

EC – January 2026

I was recommended Mel from Personal Guarantee by our liquidator we used when we had to put our business of 10 years into liquidation. We were under a lot of pressure and were being pursued for a personal guarantee of over 90K. Mel’s team, Harry and Simon, I could not recommend enough, they both listened and then went on to negotiate and support us in what to do next. This was the first time we had had to deal with a personal guarantee, and their knowledge and understanding was just what we needed when we were under so much stress.

BM – January 2026

Thanks to Simon and the team at Personal Guarantee. We had a very positive experience with this company. They handled our credit card settlement swiftly and efficiently, keeping us informed throughout the process and making everything clear and straightforward. Their professionalism and attention to detail gave us real peace of mind and the outcome was exactly what we hoped for. We would happily recommend their services to anyone looking for reliable and effective support.