Read the comments below. You may be invited to comment.

David Fabb, long-term litigant in person: This great initiative by diyLAW is to be applauded! Reform of Personal Guarantee and security instruments generally is long overdue.. Provision of credit to businesses large and small ought not provide the means by which enterprises and the lives of owners are wiped out by opportunistic white collar spivs.

Paul Williams, Chartered Accountant: A few years ago I reviewed the financial records of the Heritage plc administration and identified some potential errors. From the documentation shown to me, I was surprised at the apparent indifference of Lloyds bank to the outcome of asset realisations before pursuing the personal guarantee of Jeff Lampert.

Daniel Jani, diyLAW: The abuse of Personal Guarantees (PG) has devastated the lives of hundreds of thousands of people. They have had no alternative but to turn to Law as a Litigant in Person (LiP). According to the victims, the "adversarial" legal system in the UK is disastrous for LiPs and they get no help from the Law. LiPs don`t stand a chance in a legal battle against well-paid and seasoned professionals and virtually unlimited resources on the other side. From the LiPs perspective, the inquisitorial legal system (in civil law countries, such as Portugal) is much fairer, as the court may ask questions of the parties and actually have a better chance to understand the dispute in front of them.