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Benefits of IBAS Membership

Updated 21st February 2024

IBAS acts for UK Business Banking customers


IBAS specialist experience of business bank account calculation and analysis, enables effective and economic business banking resolutions for UK business banking customers - IBAS has 30 years continuous business banking debt claim dispute investigation and negotiations experience with UK lenders.

IBAS provide independent, professional, confidential tactical guidance and direct assistance to UK company directors and proprietors so they can obtain clarity and often restitution.

IBAS specialist business banking investigations knowledge provides IBAS with experience which no other organization 'acting' for business banking customers will have.

IBAS business banking account investigations and 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 since 1992 provides valuable insight and expertise for current IBAS investigations.

IBAS early involvement may prevent Bank Litigation and the Bank's legal claim progressing to a judgment - IBAS membership protects bank customers from the bank's often hostile intentions and actions.


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Example: Mrs H was deceived by her husband who borrowed funds against their home


The bank attempted to enforce against the wife for the secured debts on their home because of the husbands business debts. Mrs H was introduced to a solicitor by CAB but he proved to be unable to protect her position and his competence was questionable.

IBAS investigation of Mrs Hs position led us to conclude that her case was much stronger than her solicitor had attempted to put forward and her solicitor appeared to be accepting the bank position much too easily.

Our conclusion was that she required much better representation and we offered our assistance. The case was eventually heard in the Supreme Court - Mrs H won her case on appeal.



Conclusion: IBAS knowledge, input and guidance proved instrumental for the bank customer obtaining a successful result in the Appeal Court.


Many solicitors and barristers have approached IBAS for assistance since 1992 - with many clients claiming the bank had acted dishonestly, incorrectly or very badly to the detriment of the customer - often factual information was lacking and IBAS business banking investigations were required to provide facts and the precise calculations to prove the facts.


Example: Home possession case


The bank sought possession on the basis of an amount they claimed was owed to the bank after demand on a personal guarantee debt which was supported by a bank mortgage over her home. However, the customer believed the debt was inflated by bank overcharging.

The barrister sought the facts to undermine the bank case for possession. IBAS carried out calculations requested by the barrister to establish the charging for the previous six years based on the banking facilities provided by the bank. IBAS investigation of the 6 years of business bank statements and facilities up to the bank demand showed no evidence of overcharging.

However, our team saw anomalies prior to the six year period and we requested the instruction to proceed further. Our further investigation beyond the six years proved that the bank had been overcharging interest on balances and that the bank had inflated the balances shown by previous overcharging.


Conclusion: IBAS provided the evidence for the barrister to counter the bank claim for possession -

the overcharge and the defence to the bank claim would have been concealed without IBAS investigations.



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IBAS has featured on BBC TV, BBC Testimonial for IBAS 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) - launched in 1992 as a specialist business banking membership organization assisting bank customers with UK business banking account loan disputes and business banking debt disputes with their bank.