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Advice on UK Directors Personal Guarantee or Personal Guarantees Demand for Payment

Updated 11th April 2024


Do you have a Limited Personal Guarantee or multiple Personal Guarantees which may change your exposure to the bank debt claim?

Banks do not always cancel guarantees when new ones are signed.

Bank rely on historic Personal Guarantees which have not been cancelled - when a company or business fails.

Having several personal guarantees as security for borrowings allows the Bank to pursue you for business debts or Limited Company Debts which may be for much larger amount of money than you thought you had guaranteed!


IBAS investigate Directors Personal Guarantee Disputes and Debt Claims and can help

defend banks legal claim on directors personal guarantee debt claim and help you avoid personal guarantee judgment


You need our 30 yrs experience to help you - email & interest us


JE who had a Personal Guarantee Debt Claim of over 500k provided the Testimonial below:


I want to thank you from the bottom of my heart

You have achieved more in two letters and less than 1000

than a posse of high ranking big charging solicitors have in over three years

I thank God for that Google search that brought us in touch


By 2002 Independent Banking Advisory Service had already obtained in excess of £21 million in refunds, write-offs and write-down of bank debt for Business Banking customers from our successful investigations of UK Business Banking Disputes



TM stated in his Testimonial (below):


This is a battle that we have won, which could quite easily have been lost had I not joined IBAS.

I would recommend them to absolutely everybody



WG's Testimonial stated:

The 'peace of mind' was worth every penny of IBAS membership.

I am now 'free' from the bank personal guarantee debt claim.

We are totally indebted to IBAS for their expertise and absolute integrity in gaining that position.

Our resolution was incredible.

We would recommend IBAS to anyone faced with a serious bank debt claim."



'I found IBAS to be Impressive & professional with no nonsense.

I followed IBAS strategy totally and the result was spectacular.

Thanks for putting my life back on track and saving me a bucket load of money.

I cannot thank you enough.

I would now start with IBAS and ignore all the others who are 'selling' an imitation of these guys but without IBAS knowledge!

- AT Testimonial


IBAS can help control a bank claim whilst also investigating all the issues

IBAS has specialist knowledge from IBAS investigations into UK business banking account disputes since 1992


A personal guarantee is an agreement made between an individual or individuals which means that if they act as a business director they then take a level of responsibility for their company's debts in the event that they cannot be paid back by the business or company itself. If a claim is made under the personal guarantee, the director will be liable to pay the company's or businesses debt and the partner, proprietor or company directors' personal assets may be at risk as they become liable for the relevant business debt that is covered by the guarantee.


Received a bank director's personal guarantee debt claim demand


Contact IBAS now


We know that bank debt recovery departments prey on customer fears


IBAS lay the 'groundwork' for successful defences or banking claims by first preserving defences which exist and yes, we have assisted in many cases which have been won by our members after litigation in the County Court, High Court and the Court of Appeal.


One of our members wrote: 'I understand that so many cases are lost before they start because under threats from the bank the customer provides an offer of payment - without understanding there may be a defence to the bank's claim. Having been induced to make that offer, the bank then goes for the jugular. - DeeJay Testimonial


The following statement is posted online:"The fact that IBAS have the knowledge and provide assistance in formulating the strategy, which was provided to me under membership and which provided the necessary case law ammunition and support (letters continually making the correct points) to prevent the bank gaining the upper hand (preventing me making offers which I wanted to make, just to get this case against me closed, and which would have destroyed any defence) - that strength of position then also enabled me to 'face off' the bank's threat (although the bank/solicitors knew their claim was flawed) and this strength of resistance then forced them to discontinue their action - this is all a matter of fact and something which IBAS should be very pleased about." Source


"I know that IBAS provided me with the necessary tools to defend against Barclays successfully.” - said DeeJay in his Testimonial


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Challenges to Director's Personal Guarantee debt demand claims require banking knowledge and banking experience and IBAS has dealt with PG demands since 1992.


IBAS has featured on BBC TV, BBC Testimonial for IBAS BBC TV News, ITV News, Meridian TV and Sky TV News since 1992 and contributed banking editorials and business banking articles for Sunday Times, Times, Daily Mail, Daily Express, Telegraph and Daily Mirror.


Independent Banking Advisory Service (IBAS) - launched in 1992 as a specialist UK Business Banking Dispute - Resolution Experts assisting and advising UK Business Bank customers who have UK business banking account loan disputes and business banking debt disputes.