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Loades - Personal Guarantee Specialist - London, England, UK

Mel Loades

London, England, UK


*** LATEST NEWS UPDATE *** (Dec 2010):

We have managed some £23.1m of personal guarantees over the last 23 months, of which £2.237m has been settled for £524k, providing an average settlement rate of 23.4%.

If that wasn't good enough, the more interesting statistic will be how much of the remaining £20.9m will not have to be settled at all, because the banks simply give up.

We estimate that if a bank has not written on the matter for 12 months or more, there is more than an 80% chance that they will not write again at all, thereby meaning those clients will not have to pay anything at all.

Mel's experience is forged in turning businesses around over the last 23 years and in the last 6 years much of that has been working with the positive changes in insolvency rules to bring down the average business turnaround period from 12 months to 12 weeks. That meant that in the previous 17 years Mel turned around 25 businesses- in the last 6 years 40 businesses. Mel is a founder of UK Business Advisors ( and part of the Turnaround Group Business Advisors (

In particular, Mel has built a reputation for being able to help individuals who have personal guarantee claims made against them and in many cases, the claim has been reduced significantly or removed altogether. His website, is the leading provider of this service.


Personal Guarantee Specialist

  • Full time
  • Part time
  • One time
  • Contract
  • Temp

Work History



January 2003 - January 2008

Turnround Specialist/ Business advisor

TGBA- Turnaround Group Business Advisors

January 1986 - January 1986

Mel is the main contact and co-ordinator for the TGBA. He has been working with SME's for over 18 years helping business turn round difficult (in some cases, almost hopeless) situations. Helped other fast growth companies avoid the pitfalls and dangers of such a strategy whilst keeping them on track to assist in achieving their goals and aims. Been able to assist business owners plan a...

Personal Guarantee Expert

Innate Wisdom t/a Personal Guarantee

January 1986 - January 1986

With Personal Guarantees, the banks can be notoriously bad at keeping their end of the bargain by not having their paperwork in order or being sloppy or otherwise inept at arranging the Personal Guarantee in the first place.

And you can guarantee that if the boot was on the other foot, they'd make sure you knew it and certainly they will leave you with the distinct impression that you do...

Qualifications & Certifications

Southern Grammar School for Boys

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