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  Independent Banking Advisory Service 

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 economical, professional, confidential guidance and direct assistance organisation available for UK Business banking problems and disputes, up to and including litigation. IBAS experience has proved to be the deciding factor in effective and sometimes almost miraculous settlements for business banking customers. What do you require from your advisor? Tell us what you are seeking by emailing us and we will respond to you in a no obligation and confidential 'conversation'.

IBAS has specialist knowledge from IBAS investigations into UK business banking account disputes since 1992 - no other organization has IBAS experience or IBAS knowledge, which provides IBAS with 'extra' width of knowledge for our investigations (and IBAS use only) in assessing investigation strategy to produce the best results - that provides you with extra and better 'options' for your bank debt claim demand.


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 and Daily Mirror. - see Business: Your Money Not a moving account  - BBC 22/07/99


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 has helped a great many with their business banking problems and disputes since 1992 - Contact IBAS now to see how we may help you


See sample of IBAS Testimonials


Or telephone (during office hours only) on 01487 843444 for confidential conversation



After 25 years of investigating business banking cases we know nobody can claim they have a 'formula for guaranteed success' on business bank debt claims. But, knowing what can be achieved from IBAS strategies developed and finely tuned since 1992 - means that IBAS can 'shorten the odds' to success with your claim.


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

- See latest on Lloyds Bank case with IBAS member Keith Elliott:


Key Lloyds Business Support Unit documents set to be uncovered in High Court Case - Key documents surrounding Lloyds Business Support Unit (BSU) are set to be revealed in a £55m legal battle with a motor dealership that has accused the bank of forcing it out of business. Leeds-based car dealer Premier Motorauctions has accused Lloyds and accountants PricewaterhouseCoopers (PwC) of conspiring to force the business into administration and then profit from its sale. In a court hearing on Monday, Lloyds agreed to search for a copy of its three year plan after a memo likening the BSU to the Royal Bank of Scotland's (RBS) highly criticised global restructuring group (GRG) was revealed last week. The three-year plan is thought to contain language similar to that used in RBS's 'Dash for Cash' manual, in which Lloyds's objectives were listed as the “doubling of income” and “moving from ‘defenders to strikers’'. - 6th March City A.M.

Lloyds and PwC face £55m court case from motor dealer who says the firms forced it out of business Lloyds Banking Group and accountants PwC face a £55m legal battle with a motor dealership which will allege they colluded to force it out of business.Yorkshire-based Premier Motor Auctions will argue Lloyds used its Business Support Unit as a profit centre to extract money from struggling firms, according to the Sunday Telegraph.Premier, led by chief executive Keith Elliott, went bust following a failed sale of the business in April 2008. The firm will allege it was the victim of a plan to push bank staff to increase profits as the financial crisis hit. - 25th February 2018 - City AM

Premier Motorauctions Ltd & Anor v Pricewaterhousecoopers LLP & Anor [2016] EWHC 2610 (Ch) (24 October 2016) - HIGH COURT DENIES SECURITY FOR COSTS APPLICATION BECAUSE CLAIMANT HELD ADEQUATE ATE INSURANCE - Snowden J handed down judgment on PricewaterhouseCoopers’ application for security for costs in Premier Motor Auctions Limited v PricewaterhouseCoopers (2016) EWHC (Ch). Snowden J suggested that the independent and professional nature of insolvency practitioners, combined with their personal liability, indicates that ATE insurance arranged by them (as in importance of ATE insurance market and acknowledged that there "is a public interest in permitting ATE insurance on appropriate terms to provide access to justice for insolvent companies under the control of responsible insolvency office-holders".

Bank threats for successful SMEs and their owners/proprietors as identified in Hansard see: Hansard debate on Premier Motor Auctions at 11am . This is an 'ongoing' case for an IBAS member which has now reached the courts with a claim against both Lloyds and also PwC.

See Austin Mitchell's address from column 212WH to column 219WH which provides Keith Elliott's MP's concerns on conflicts of interest and Austin Mitchell MP also quotes IBAS opinion on our member's case.

Elliott v Lloyds TSB Bank Plc & Anor [2012] EW Misc 7 (CC) (24 April 2012) This Claim arises out of data subject access requests (“SAR”) made by Mr Elliott to the Defendants, Lloyds TSB Bank plc (“Lloyds TSB”) and Lloyds Development Capital Ltd (“LDC”), on 2 August 2010 pursuant to s.7(1) of the Data Protection Act 1998 (“the 1998 Act”). Mr Elliott alleges that the Defendants had failed to comply with his SARs and originally sought an order from the Court that they comply pursuant to s.7 (9) of the 1998 Act


IBAS provides experienced specialist and practical advice to IBAS members 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? Can you 'get out of it in any way' - is it possible to do so? Can you dilute the bank’s debt demand? Those questions have been asked in cases where IBAS investigate bankers and the bank actions.

IBAS is now in it's 26th year helping/guiding those with UK Business Banking disputes and Director's Personal Guarantee business debt claims - IBAS is the only UK non profit organization which provides business banking customers with specialist business banking assistance and specialist business banking guidance and also 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 before litigation if possible but if IBAS is involved immediately after demand for payment by a bank, 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 defences 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.

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: 22nd March 2018