This has led to a sharp increase in the number of bank guarantee disputes, but it is interesting to note that it has also seen a considerable number of successful challenges in the guarantors` personal warranty applications. This article discusses some of the defences available to business owners, who find that they have provided personal guarantees and whose assets are now „threatened“. CONSIDERING that the surety has established that it will benefit from the debtor`s conclusion of the agreement and therefore wants this guarantee agreement (this „guarantee“) to be concluded taking into account the conclusion of the agreement by the beneficiary; Banks are under considerable pressure to reduce risk and improve profitability. One of the effects of the 2008 banking crisis is that banks are increasingly demanding personal guarantees from borrowers, especially small and medium-sized borrowers. This is an option to recover defaults in the event of default, which protects banks from some of the credit risk. Banks often call these guarantees quickly. In the case of Triodos Bank NV/Dobbs  EWCA Civ 630, the bank guarantee specifically contained a provision allowing the bank to „consent to any modification, amendment, waiver or release with respect to the company`s obligation under the loan contracts,“ „without reference to the surety.“ The initial loan to the debtor was subsequently significantly increased after signing a facility limited to $50,000. The Tribunal found that the review was so outside the scope of the original facility that it was effectively a new loan that was not covered by the guarantee. The guarantor successfully defended the bank`s claim and the court found that the deposit had been dismissed. 5. Give up presentation and communication. In addition, the surety waives the dies, the application, the letters of dishonesty, the opposition, non-payment and any other notice, including and without restriction: notification of acceptance of this communication; Notification of all contracts and obligations notification of the existence or creation of liabilities under the agreement, as well as their amount and conditions; and notification of any disputes, disputes or controversies between the beneficiary and the debtor arising from the agreement or in any other way, as well as their settlement, compromise or accommodation.