Lloyds do struggle with personal guarantees. For example, we have seen them use an "abbreviated" form of personal guarantee; you would have to wonder in what circumstances it would be appropriate to not use the full version.
Lloyds used to have the reputation of referring to solicitors more, however have not been as immediate more recently; but as more personal guarantees are being collected, the pressure is on, so there may be change.
For more information, have a look at our website at www.personal-guarantee.co.uk
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