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 I have ever gone through. It happened very fast and I never expected to be in this situation. I also did not know that the bank could apply whatever interest rate they wanted while I found a way to settle with them. The debt started to rise and rise and I could not find anyone to help who knew how the game was played!

I found very little helpful or accurate information on the internet and eventually stumbled across Personal Guarantee through a random search. Right from the off I realised they knew exactly how to engage with my bank, slow the process down and communicate with them to buy myself time to raise some money. Personal Guarantee knew the people at my bank and, most importantly, their thought process and motivations. They assisted with what to say and were always a few chess moves ahead. Their responses were well informed and timely. From the moment they came into the picture I was able to sleep at night and six months later I settled with the bank ultimately saving tens of thousands of pounds on what I was thinking I would have to pay.

I cannot recommend Personal Guarantee enough – very experienced team and very reasonable rates. I now have a job and am moving on with my life! Thanks Personal Guarantee!!