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IBAS is a banking specialist in Small Business Banking solutions, SME business banking disputes, bank overcharging disputes, small business banking issues, Director's personal guarantee demand claims and associated issues and disputes - IBAS has gained experience over many years – as Finance for Small Firms Report from the Bank of England dated January 1998  illustrates - at item 3.27 (below)

Sub Heading - 'Complaints procedures and dispute resolution' in the Report, states:

3.27 The bank is also aware of recent publicity regarding overcharging of small business customers by banks. Media attention has focused on the findings of research carried out by organisations such as the Independent Banking Advisory Service (IBAS)

An IBAS report on bank customers in litigation claimed that banks make use of the legal system to prevent the Office of the Banking Ombudsman investigating claims fully. Anglia Business Associates, an organisation that checks accounts for cases of overcharging, suggested the banks were deliberately obstructive about releasing documents when claims were brought against them. This issue was addressed in a BBC Watchdog programme. Such problem cases are thought to represent a small minority, but they tend to draw a disproportionate degree of media attention and consequential reputational damage to the banks.

23

 The Complete Bank of England Report

You will find our 2012 national newspaper comments (and many more over many years in the News and archives sections of our site). IBAS has been helping business bank customers with their personal guarantees and Director's personal guarantees demands since 1992.

IBAS early advice on Personal Guarantees, Personal Guarantee debt claims, Bank Guarantees, Personal Bank Joint Guarantees, Personal guarantees and Indemnity, Personal Guarantees for SFLGS - prevents costly mistakes and even greater risk of losing the marital home from ill informed actions.

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Independent Banking Advisory Service (IBAS) is a national, independent, non-profit, unique specialist banking customer membership organization which resolves banking complaints and disputes and which has campaigned on UK Banking customer issues since 1992. We provide bank and banking assessment, analysis, bank comment and content for BBC TV News, ITV, Radio and national newspapers.