Hi all, I have been going through all the problems with the Personal Guarantees and i have the same problem with Natwest bank. i had a personal guarantee with the bank which was set up in 2004 in the amount of GBP 30,000. We had this for sometime and it was automatically renewed every year without signing anything, don't know if that is possible, i just saw the renewal fee debited in the account, and never got a copy of the Guarantee. Business wasn't going very well for us and we needed a further overdraft to be able to pay our suppliers so we asked the bank for a further 30k for a period of 3 months. This would be repaid from the sale of some property we had already sold, but was not yet completed. The bank asked us for a letter from the lawyer organising the completion which should mention that he as a lawyer was responsible for the payment of the full 60k on completion, we were never asked for another guarantee letter for the new amount of 60K, nevertheless, completion date was adhered to and we paid the 60k. And my account was again charged with renewal fee for the 30k. My company is now closed, and an amount of GBP -35000 dr left in the account. The bank now says that the 60k guarantee is still in place, but we never signed a guarantee for that amount and have asked the bank for a copy of this and find that it is signed on the last page, surely the bank would require a document such as this to be initialled on every page? Surely when the 60k was paid the guarantee was no longer in force as according to the bank it was specifically for a 3 month period. I hope someone can help me or guide me with this. Gillian