Testimonials

Personal Guarantees

I was put in contact with Personal Guarantees by recommendation. After buying out my business partner and the business failing, due to the mess I was left to try and sort out, I was hit by another blow when I was contacted by the bank stating that the business loan was, unknown to me, personally guaranteed by myself. From that point the bank demanded the whole amount and stated that any delay would incur immediate interest, the letters were very blunt and the bank made it impossible to even communicate, let alone negotiate. As soon as Personal Guarantees got involved the sooner the bank realised that I was no longer alone and the bullying tactics and letters ceased. Although the bank still tried to play hard ball and made negotiation as difficult as possible, Personal Guarantees stood firm in their response and the bank had to back off and realised they had to start settlement/negotiation. From the point Personal Guarantees stepped in I no longer felt vulnerable and was reassured all the way along the process until we reached an agreeable solution. I would like to thank the whole team for their help and would strongly recommend them to anyone finding themselves in similar circumstances. CR December 2015

Personal Guarantees

A totally reliable and thorough service. As progress was being made, I became less anxious about the situation. I recommend this service to anyone who finds themselves in this position.ML November 2015

Personal Guarantees

Following the closure of my business recently one of our creditors wrote claiming my wife was liable for the amount due to them of £5,575, stating she was the business owner and was operating as a sole trader despite the fact the company had been Limited for 13 years. Even though I disputed their claim they persisted with it over several weeks. I contacted Personal Guarantees and discussed the situation with them. I forwarded all the correspondence and documentation received from the creditor, along with the details of my Company, to Faye McCarron who wrote to the creditors' solicitor concerning the matter. Within days the creditors had withdrawn their claim against my wife, who was extremely pleased when she heard they were no longer going to pursue her for the debt. I would have no hesitation in recommending Personal Guarantees to anyone facing a similar situation. Personal Guarantees are very professional and take the stress away from you from the day you contact them so you can get on with your life. Thank you Faye for all your help, it really is appreciated. BC November 2015

Personal Guarantees

I wanted to thank you for your time and I sincerely understand why a reputation of a business goes a long way - it is because of the people who serve the front line! I will certainly keep you as a valuable contact and share with others.YM November 2015

Personal Guarantees

Your time & invaluable advice is much appreciated, you have given me hope in relation to my circumstances and for that I cannot thank you enough.EH October 2015

Personal Guarantees

Despair, stressed, anxious… can’t see light at the end of the tunnel, years of worry and not knowing what to do next or which way to turn for the best. Well, Personal Guarantee are just that – they are the best! From the moment you make your first call to Personal Guarantee, you’ll never feel alone in your fight, you’ll have found an ally worth every penny. As the level of service and professionalism has never faltered and we can never thank Wendy enough for helping us to reach a settlement of £10k on a £100k demand. She is a formidable woman who brought closure to our worst nightmare and showed us the light, for that we are eternally grateful.SC October 2015

Personal Guarantees

As soon as the bank called in their personal guarantee, I contacted Mel and Wendy. They could not have been more helpful. The bank was completely disorganised and the situation dragged on for months and months. However, Wendy was completely on top of matters. I was very stressed out about the whole situation but the way she handled the bank was a lesson in professionalism. The loss of my business has been tremendously difficult, but it would have been far worse if Wendy and her team were not on hand to help. I can now face the future with confidence. I urge you to contact them if you are facing the same situation as me.AC July 2015

Personal Guarantees

Following a business failure I was left with a large outstanding loan solely guaranteed by me and secured on my home property. I found the knowledge and reassurance of Mel and Wendy extremely supportive during the long process and their help, undoubtedly, gave me the confidence to pursue a substantially better settlement. They are very straightforward and genuinely nice people to deal with.MS July 2015

Personal Guarantees

I would just like to say a big thank you for resolving our personal guarantee issue with the bank. Steve Maskell’s experience and expertise has saved me a lot of money. You cannot beat having a professional fight your case. AB June 2015

Personal Guarantees

Personal Guarantee (BBF) have represented myself and my colleagues in relation to a number of difficult issues, have provided an excellent service, proved to be totally competent negotiators and very astute regarding legal implications. I would have no hesitation in recommending the company in the future. PB June 2015

Personal Guarantees

I approached Personal Guarantee when I was asked to sign a large personal guarantee. I wanted to understand the size of the risk and what was likely to happen if the business failed. My own solicitor could not provide experience of the likely outcome and the scale of potential losses I might incur. Mel spent time to advise me what might happen and to discuss ways to reduce the risk, which was very much appreciated. He gave me the confidence to sign the guarantee so that our business can follow its expansion plans. And I know where to come back to if things do go wrong. RP April 2015

Personal Guarantees

I was trying to negotiate the settlement of a personal guarantee with my bank, but they seemed closed to all reasonable offers. Early in discussions I had already paid approximately 20% of the total due but they were insisting on a further payment that was beyond my total net worth and would have seen my family homeless. I approached PG and was introduced to Wendy who took control and the stress of negotiations from me. It took a further 12 months, but she managed to negotiate a settlement of just 4% of the remaining balance and allowed us to get on with the rest of our lives. I will always be grateful to the team and particularly Wendy for removing the cloud that had hung over us for over 4 years. SC January 2015

Personal Guarantees

Wendy’s professional and understanding approach resulted in a 26% settlement within a year of the demand.AW November 2014

Personal Guarantees

I can only say I wish I had contacted Mel Loades before, it would have saved me heartache and money. His expertise in dealing with the behemoths of the banking world take much of the stress from ones shoulders. He has the expertise and the methodology. I hold him and his team in the highest regard. TF September 2014

Personal Guarantees

From my initial contact I found the PG team to be completely professional and not pushy. I was listened to and then given sensible advice, without any false hope! Under my instruction they conducted the negotiation which in its self is valuable from a blood pressure point of view! In the end my PG was reduced by75%. Their services are not free but are definitely worth it. DF July 2014

Personal Guarantees

When you find yourself in a position where the bank are hounding you for everything you have, including your home, you need somebody fighting on your side. Steve and Mel will fight back on your behalf and actually seem to enjoy doing it. Negotiating our personal guarantee liability was a lengthy process but with Personal Guarantee on our side to help relieve the stress and shine some light on the darkest days we eventually reached a settlement for about a third of what the bank were chasing, and we kept our home despite the fact that the bank held a second charge over it. If you find yourself facing what appears to be an impossible situation then I suggest getting Personal Guarantee involved, now. AB June 2014

Personal Guarantees

150k overdraft with 50k secured by myself – Both Wendy and Mel took the pressure off me which I appreciate, and the fees charged were more than reasonable. I have already passed your details on to various friends in similar situations. I would thoroughly recommend your services without a second thought! DS April 2014

Personal Guarantees

Having remained dormant for a few years, my personal guarantee became live and I was relentlessly pursued by the banks solicitors. Personal Guarantee helped to guide me through the process of dealing with the banks solicitors, eventually leading us to find an agreeable solution that enabled us settle outside of court. There service is professional and I would highly recommend them. MG April 2014

Personal Guarantees

With a Bank PG of 27k and nearing retirement age to reach a settlement of 4K was a remarkable result. Many thanks to Wendy and the team for the professional and caring leadership in difficult times throughout. I would have no hesitation in recommending to others. BP March 2014

Personal Guarantees

Being chased for a Personal Guarantee was yet another worry in a long line of worries especially since I had no previous experience of such a situation. Mel and the team at Personal Guarantee were able to bring clarity and certainty to the situation with their understanding of how things work and what the Bank would accept from me. The realistic fees were also good value. In the end, I was pleased with the result, it was a great weight off my mind, and I would be happy to recommend Mel to anyone who is having difficulties with their Bank. RF March 2014

Personal Guarantees

I found all my dealings with Personal Guarantee to be very professional and frank in terms of the advice they offered. Having been given a fee estimate to begin with, I was pleasantly surprised to find that the actual work done came in under budget and the difference was credited to my account immediately. When the need arises, I will definitely be in touch again. CD January 2014

Personal Guarantees

My son and I approached Personal Guarantees to assist with a bank PG which had been called in and there was also a charge on my house. Wendy Guild took on the bank for us – the liability was over £35K and the bank settled for £7K and we are delighted that the agreed settlement figure was considerably less than the amount demanded, and that my house has had the charge over it released. We can thoroughly recommend Personal Guarantees, in particular Wendy, who showed us courtesy, and was very professional in all the dealings both with us and the bank, resulting in a good outcome for us. We can’t thank you enough. AP & EC January 2014

Personal Guarantees

I would like to thank Steve for his help in negotiating a very good settlement for me with a PG that was being chased for over £30k. Steve was able to reduce this to £6k and negotiate a very helpful payment plan. He was always available and happy to answer all my questions, (even the stupid ones!) and was a great help in what was a very difficult time for me. Hopefully I will not have to use his services again, but I would highly recommend him. RJ January 2014

Personal Guarantees

Having had a PG called in by a creditor of my now insolvent company, I was at a loss as to how I was going to agree terms to pay. Having being given Mel’s details by a previous colleague, I was not holding out too much hope for the situation. However, after taking sound advice from Mel, I could not have wished for a more speedier, professional and satisfactory outcome. I am now indebted to Mel and his friendly team for taking this stress and worry out of my life.PB December 2013

Personal Guarantees

To date the bank have gone away. I have not heard from them in a while. So I can say thank you for the efforts of solving this problem and loosening the rope around our necks. I have passed your name onto others who are in trouble, so I know you are keeping busy!OC November 2013

Personal Guarantees

Mel at Personal Guarantees was very helpful with advice regarding a personal guarantee with a leading bank. This advice led me to negotiate a settlement with the bank which was good for me. I would be very glad to recommend them to others in the same situation.SM November 2013

Personal Guarantees

After months of turmoil and sleepless nights my wife found Personal Guarantee on the web. The following morning I rang and spoke to Mel who then introduced me to Steve. Within a fortnight they professionally resolved my PG which up to then had taken over my life and health. They explained to me what my options were and step by step they resolved my issues. I would like to thank both of them and their team for all the support given to me during a very stressful chapter of my life.AD November 2013

Personal Guarantees

As I have to be overseas for much of my time it was a difficult position for me to be in when a leading bank called upon my PG. Mel assisted me to reach a negotiation with the bank and I found the support given by Mel and the team at Personal Guarantees useful even when my personal circumstances had changed for the worse; I was really impressed with Mel’s professionalism and knowledge of the banking industry when it comes to PG. He negotiated after few months a very good settlement with the bank : the final figure representing 15% of what the liability was. I would then thoroughly recommend an approach to them for their advice and support.RL November 2013

Personal Guarantees

Thank you Personal Guarantee, a £198,000 bank debt down to £50,000 no interest and time to pay, I was very sceptical at first but soon realised that Mel, Steve and Wendy are part of a team to be reckoned with and do what they say; having spent years and many sleepless nights trying to deal with this myself. Well done I would not hesitate to recommend PG.JD November 2013

Personal Guarantees

Personal Guarantee’s provided me with a great service. They took off all the pressure we were receiving from HSBC by liaising direct to India! When HSBC were being difficult, Mel and Wendy put them in their place in the most professional way. Eventually we got the outcome we wanted thanks to Mel and Wendy. I would always recommend Personal Guarantee’s in help with dealing with pushy banks etc.LJ October 2013

At Personal Guarantee, we have been helping clients for many years. You can find many more client comments covering that period... read more