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Established in 1992



Bank Mortgage, Personal Guarantee Problem or Dispute?


Business Banking mortgage dispute? Director's Personal Guarantee/guarantee/indemnity issue/problem? Need to resolve urgent personal guarantee debt or business banking dispute? Worried about your bank's threatening behavior? Bank demanding payment of your director's personal guarantee or threatening legal action? Bank requesting you complete 'personal financial/assets and liabilities' following a personal guarantee (PG) debt claim?

We believe IBAS is the most economic, professional, confidential guidance and direct assistance organisation available for UK Business banking problems and disputes, up to and including litigation. IBAS has always provided FREE feedback and guidance to those who email us with case information.

IBAS experience has proved to be the deciding factor in effective and sometimes almost miraculous settlements for business banking customers.

IBAS provides experienced specialist and practical advice on how best to deal with and control the bank’s ‘collection’ activities after bank demand on the debt is made. What can you do now and how best can you do it?


First - See what not to do


IBAS advisors have personally experienced the worries and concerns which you are now going through - the many sleepless nights just worrying - the what if's - worrying about your family - how will you cope? Can you 'get out of it in any way' - is it possible to do so? Can you dilute the bank’s debt demand?

The questions and the personal worries you may have from receiving a banking debt claim are well known to our specialist team and that's why they now advise on such matters. They will help you focus on what can be done.

We know that talking to someone who fully understands what you are going through is the first step to having a good night's sleep. Talking to someone who has also dealt with many cases like yours is even better!

Business Support Units, Specialized Lending, Strategic Business Services or Specialist Relationship Managers are all terms used by the banks for used by banks in to 'rip off' businesses by forcing or 'triggering defaults' - which then forced businesses into insolvency situations where the bank could plunder the 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 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 and that 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 being 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.


IBAS Testimonials


email IBAS to see if we will accept your case


IBAS experience and knowledge is extremely important in supporting business banking customers in dispute with their bank.


IBAS provides experienced specialist and practical advice on how best to deal with and control the bank’s ‘collection’ activities after demand of the debt has been made. What can you do and how best to do it? Our advisors have personally experienced what you are now going through - sleepless nights worrying - the what if's - worrying about your family - how will you cope? Can you 'get out of it in any way' - is it possible to do so? Can you dilute the bank’s debt demand? The questions and the personal worries you may have from receiving a banking debt claim are well known to our specialist team and that's why they now advise on such matters.

IBAS has been helping/guiding/advising those with UK Business Banking disputes and Director's Personal Guarantee business debt claims since 1992- IBAS is the only UK non profit organization which provides business banking customers with specialist business banking assistance and specialist business banking guidance and IBAS specialist business banking investigations.

Commercial Property Mortgages - IBAS has seen commercial property mortgages during the last year where the bank has incorrectly charged interest and also incorrect margins as far back as 2005 up to date. That can also mean the bank has involved their 'Specialist' bank department who have inflicted Excess and Penalty interest on Commercial Property Mortgages where they should not have done so - reducing company profits and opportunity. This is not just one bank. The amounts are considerable. The results of such bank conduct if left unchecked or unidentified where the company trading is already reduced or is under pressure will inevitably create a default. That in the circumstances outlined would represent a 'False default' which is 'created' by the bank. That creates an insolvency situation where the bank's conduct can go entirely unnoticed despite property and assets being devalued and then 'lost' by the business. At that stage, Director's personal guarantees to the bank will also be 'called upon'.


'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


IBAS aim to provide good specialist advice and resolution if IBAS is involved immediately after demand for payment by a bank and our aim is to gain all information which we know is necessary to assess legal arguments - against existing case law. IBAS lay the 'groundwork' for successful defences or banking claims by first preserving any defence which then exist (and yes, we have assisted in many cases which have been won by our members after litigation in the County Court, High Court and the Court of Appeal).

‘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

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  

IBAS is totally independent and our experience is gained from numerous business banking investigations across all UK industries from our ‘case work.’ IBAS research on Bank overdrafts and business banking account charging allows IBAS to challenge banks hard on their actions and performance and provides a strong banking negotiating position. IBAS provides unique specialist and confidential, professional business banking guidance and direct assistance without any conflict of interest.

Bank Complaints, Defaults, Payment demanded or Demand for payment, Debt Judgment, Interim Charging Order, Charging Order absolute, Order for Sale threatened - each part of the banking process in chasing payment on a secured debt adds considerable additional cost and interest. Those extra costs are added to the original debt being claimed.

IBAS has featured on BBC TV, BBC TV News, ITV, Meridian and Sky News and contributed to many editorials and articles including those for the Sunday Times, Times, Daily Mail, Daily Express, Telegraph and Daily Mirror.

- see Business: Your Money Not a moving account  - BBC 22/07/99

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 account/mortgage account and security disputes and business banking debt disputes. Our bank analysis and investigation of business bank loans, bank accounts, banking contracts, business banking account facilities and banking debt recovery information has been instrumental in our member's success.


Last modified: 5th January 2019