About Us

Personal Guarantees UK have been involved in negotiating and settling directors personal claims arising out of insolvency since 2011. 

40 years of experience

PGUK is uniquely positioned with the track record and knowledge required to offer advice on personal liabilities and how to deal with them successfully. 

With over 40 years experience in insolvency and accounting, Personal Guarantees UK has the combined professional skills required to deliver the best possible financial outcome for our clients. This in conjunction with the extensive experience of dealing with hundreds of clients claims means PGUK is the UK’s leading authority for both personal guarantee and insolvency claim negotiation.

Our Management Team

Graham Clark – Co founder and technical director

Graham is a co-founder of Personal Guarantees UK and is responsible for the technical oversight of all services offered. Formerly an Insolvency Practitioner and New Zealand-qualified Chartered Accountant, Graham has spent over thirty years dealing with all aspects of turnaround and recovery work in the UK. His roles encompassed a broad range of corporate and personal insolvency, including business review work, together with corporate finance and litigation support work.


Initial Insolvency work was in the Business Recovery function of Baker Tilly London before moving with them to the Northwest in 2000. Graham then joined UHY Hacker Young in Manchester as a partner from 2004 until 2012.


In 2012 Graham co-founded Personal Guarantees UK to offer assistance to Company Directors facing Personal Guarantee and Insolvency claims. With the professional Insolvency knowledge and technical expertise Graham and the team bring, Personal Guarantees UK is uniquely positioned to offer the best possible advice on personal liabilities and how to deal with them successfully. 

Andrew Read – Co-Founder and Business Development Director

Andrew is a co-founder of Personal Guarantees UK and is responsible for business development alongside assisting clients on a day-to-day basis.

After initially starting his career at blue chip IT corporations Hewlett Packard and Compaq, Andrew has over thirty years of experience as a Company Director and with the inception of Personal Guarantees UK back in 2012 he has been able to blend this experience with his now extensive knowledge of the Insolvency industry to be best placed to help company directors who face claims against them.

Andrew knows and understands the difficulties and pressures that face Company Directors and is always on hand to assist and help Directors navigate this difficult time.

Graham Clark

Co Founder and Technical Director

With an impressive career spanning over three decades, Graham Clark stands as a co-founder of Insolvency Outsourced Services Ltd, where he holds the critical position of overseeing the technical aspects of all the services offered.

Graham’s extensive background as an Insolvency Practitioner and a New Zealand qualified Chartered Accountant reflects his deep understanding of the industry.

Throughout his remarkable journey, Graham has amassed a wealth of experience in all facets of turnaround and recovery work within the United Kingdom. His role has been diverse, encompassing corporate and personal insolvency, business review work, corporate finance, and litigation support.

Graham’s initial foray into insolvency began in 1990 within the Business Recovery function of Baker Tilly London before relocating to the Northwest with the same company in 2000.

Subsequently, in 2004, he joined UHY Hacker Young in Manchester as a partner and remained there until 2012, further solidifying his expertise and establishing a strong foundation of trust within the industry.

Andrew Read

Co Founder and Operations Director

Andrew Read, as a co-founder of Insolvency Outsourced Services Ltd, assumes a pivotal role overseeing the financial and operational aspects of the company.

His experience includes serving as a founding owner of Wilmslow Wealth Management Ltd, trading as Redundancy Claims UK (“RCUK”), from 2010 to 2023. RCUK, an FCA-regulated employment claims company with a remarkable £1.7 million turnover, witnessed exponential growth under Andrew’s leadership.

He held responsibility for the operational and financial management of the business, meticulously handling all compliance requirements. Guiding RCUK from its inception to servicing over 1500 clients annually, Andrew adeptly built and managed robust case management and financial systems.

In addition, his expertise in sales and marketing propelled RCUK to develop a nationwide referral network of insolvency practices. This network facilitated the seamless referral of directors eligible for redundancy awards from the Redundancy Payments Service. Andrew’s extensive knowledge of the ERA legal framework further solidifies his experience in the realm of ERA insolvency work.