IBAS - Independent Banking Advisory Service 

IBAS Testimonials




Frequent Questions




UK Director's Personal Guarantee Debt Claims




Received Bank Personal Guarantee Debt Claim Demand




UK Mortgage Shortfall Debt Claim Resolutions







Comparison on PG Debt Call for J&S Guarantors




IBAS Site Map




UK Banking Litigation Report


Index Updated: 1st December 2023


Surviving UK Business Banking Debt Claims


Independent Banking Advisory Service independent business banking account investigations span more than 30 years. Analysis of business bank loans, business bank current accounts, business banking contracts and business banking account facilities and our knowledge of business banking debt recovery strategy has provided IBAS with specialist banking knowledge.

Independent Banking Advisory Service are the only non - profit UK organization providing independent specialist business banking advice plus direct specific assistance and expertise to business banking customers.



UK Business Bank Account Dispute Investigations


See: Commons Debate on Failure of BBRS 11th July 2023


an email to IBAS will assist you to quickly obtain practical and confidential assistance


By 2002 Independent Banking Advisory Service had already obtained in excess of £21 million in refunds, write-offs and write-down of bank debt for Business Banking customers from our successful investigations of UK Business Banking Disputes


BBC 1999 Testimonial for IBAS


IBAS Benefits


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IBAS are independent specialist investigators and we investigate UK business banking disputes, bank debt claims, Directors Bank Personal Guarantees and Business Mortgage Debt Claims.

IBAS acts only for UK Business banking customers with business banking account concerns, disputes, issues, problems and business banking litigation disputes

Independent Banking Advisory Service provides UK Businesses, Company Directors and Proprietors totally independent complaint investigations and dispute solutions.


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IBAS has featured on BBC TV, BBC TV News, ITV News, Meridian TV and Sky TV News since 1992 and contributed banking editorials and business banking articles for Sunday Times, Times, Daily Mail, Daily Express, Telegraph and Daily Mirror.


Independent Banking Advisory Service (IBAS) - launched in 1992 and are UK Specialist Business Banking Dispute Resolution Experts assisting and advising UK Business Bank customers with UK business banking account overdraft, loan disputes and business banking debt disputes.