IBAS - Independent Banking Advisory Service 



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UK Business Banking Account Dispute Investigations




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UK Business Banking dispute, Banking Mortgage, Director's Personal Guarantee Dispute?


30 years continuous business banking dispute investigations and negotiations experience with all UK lenders.


providing professional, confidential guidance and direct assistance to UK directors and proprietors.


Need urgent personal guarantee debt or business banking dispute assistance?

Worried about your bank's threats against your home?

Bank demanding payment of your director's personal guarantee or threatening legal action to obtain a charge over your home or a court order for them to sell it?

Bank requesting you complete personal financial/assets and liabilities schedule - following a personal guarantee (PG) debt claim - don't know what to do?


The many questions and personal worries you have after receiving a business banking debt claim demand are well known to our specialist team but they will include:


Will my personal mortgage be protected from the Bank's Claim?

Will my wife share of our home protect us from the Bank taking it?

If not, can I do something better to protect our home?

Which of my Bank accounts are safe to now use?

Where can I pay in money to make sure the Bank doesn't just take it?

What assets can I still preserve?

Will I be able to keep my car?

What can I protect best and how can I do that?

How can I legally defend the Bank's Claim?



For IBAS help and assistance email us now with your banking situation.



Tell us your concerns and our specialist team can help you focus on what can be done




BBC Testimonial for IBAS at: Your Money Not a moving account  



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IBAS has acquired specialist business banking knowledge from IBAS investigations of UK business banking account disputes. Those investigations have provided us with experience and depth of knowledge which no other organization 'acting' for business banking customers will have.

IBAS business banking account investigations experience, our expertise in analysis of business bank loans, business bank current accounts, business banking contracts, business banking account facilities plus our knowledge of business banking debt recovery strategy - has provided us with expertise in utilizing our specialist banking knowledge.

That is the key to our members success and instrumental in almost miraculous settlements for IBAS members.

There is no other non - profit UK organization providing independent and specialist individual business banking advice and specific assistance to members.





August 2020 - 'Thanks for firstly remotely assessing my bank debt claim complaint/s and then saving me time and money by advising me exactly how to achieve a successful outcome, without solicitors being involved.

Your remote working and knowledge based systems are remarkable. IBAS has saved me many thousands of pounds by obtaining all the facts, then advising me 'safely' on an effective resolution (without wasteful or ineffective 'face to face' meetings in the current Covid 19 'climate').

Brilliant result all round and very safe and cost effective for me. Carry on your good work' - AS Testimonial





Bank Business Support Units, Specialized Lending, Strategic Business Services or Specialist Relationship Managers are all terms used by the banks or used by banks to 'rip off' businesses by forcing or 'triggering defaults' - which have forced businesses into insolvency situations where the banks have plundered the businesses cash flow and assets.

If your business has been or was forced into Lloyds Bank Business Support Unit, Royal Bank of Scotland/NatWest bank/RBS Global Restructuring Group (GRG) unit or HSBC SSU or Specialized Lending Unit or Clydesdales Strategic Business Services Unit - IBAS know how they operate and how false defaults are engineered - lawyers do not have that specific experience or IBAS knowledge from such cases.

It is also now documented that Mandatory referrals and transfers to such units were required by those banks and that any 'breakdown' of the customer relationship (whether engineered by the bank or not) was used to refer businesses to such units.

Even the questioning of bank charging by the business was enough to 'trigger' the bank moving that business to what are effectively 'debt recovery units' and building up penalty fees and charging rates to drive up the debt then claimed - so contact IBAS with your case details and let us know whether your company is still trading - or been forced into insolvency by the bank.




I understand that so many cases are lost before they start because under threats from the bank the customer provides an offer of payment - without nderstanding there may be a defence to the bank's claim. Having been induced to make that offer, the bank then goes for the jugular. Apparently I am one of a very small band of successful litigants, which I wouldn’t have been without IBAS behind me. - DeeJay  





'I found IBAS to be Impressive & professional with no nonsense. I followed IBAS strategy totally and the result was spectacular. Thanks for putting my life back on track and saving me a bucket load of money - I cannot thank you enough.

I would now start with IBAS and ignore all the others who are 'selling' an imitation of these guys but without IBAS knowledge!

- AT November 2016 Testimonial




‘We were very grateful for your assistance at a very difficult time for us. You provided good and timely advice and it was useful to have an independent perspective on the case. You also acted as a buffer between ourselves and the bank which perhaps moderated their dealings with us and bought us some time in which to organise our settlement. You were also good value. We still believe that the bank behaved badly but unfortunately that seems to be the way of the world today. Thank you for your help.’

From SAC January 2013 Testimonial




IBAS had obtained in excess of £21 million in refunds, write-offs and write-down of bank debt for our members by 2002 from investigations of UK Business Banking Disputes - then we stopped counting.


BBC Testimonial for IBAS -Your Money Not a moving account


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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 the Sunday Times, Times, Daily Mail, Daily Express, Telegraph and Daily Mirror.






Independent Banking Advisory Service (IBAS) - IBAS launched in 1992 as a specialist unincorporated business banking membership organization assisting bank customers with UK business banking account loan disputes and business banking debt disputes with their bank. Our analysis and investigation of business bank loans, business bank accounts, business banking contracts, business banking account facilities and business banking debt recovery information has been instrumental in our member's success.


Modified: 3rd November 2021