IBAS - Independent Banking Advisory Service 



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UK Business Banking Account Dispute Investigations



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IBAS Membership Benefits


If you truly believe you have a legitimate business banking dispute complaint or business banking account debt dispute or just want to protect your business - our business banking knowledge from current and historical case work since 1992 and our experience is essential.


In 2002 IBAS had already obtained in excess of £21 million in refunds, write-offs and write-down of bank debt from successful investigations of UK Business Banking Disputes.


IBAS investigations and our direct assistance will substantially improve your chances of obtaining the best result.


IBAS has the knowledge and experience to protect you from the bank's often hostile intentions and actions

- provided we are able to act for you at an early stage.



The 'peace of mind' was worth every penny of IBAS membership.

I am now 'free' from the bank personal guarantee debt claim.

We are totally indebted to IBAS for their expertise and absolute integrity in gaining that position.

Our resolution was incredible. We would recommend IBAS to anyone faced with a serious bank debt claim." - From WG - Testimonial


We investigate Directors Personal Guarantee Disputes and Business Banking Debt Claims but can also help defend bank legal claims on directors personal guarantees and business mortgage debt claims - avoid personal guarantee judgments...


- send us details of your concerns or dispute and we will respond



Knowledge gained from many thousands of business banking agreements and contracts plus the Historical banking documentation & Historical Bank Regulators and regulatory positions obtained by IBAS carrying out extremely detailed business banking case investigations has provided our investigations team with the ability to pick up the unusual or abnormal banking acts or procedures.


The unusual aspects from specific Bank documents alert IBAS that deeper forensic examination surrounding the unusual aspects or procedures are required.



If you receive poor or inadequate advice from your advisors for you to make proposals to pay it may immediately affect your home and your long term future.



email IBAS with details of your dispute for our assistance




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 directors and proprietors.

IBAS specialist business banking investigations knowledge provides IBAS with experience and knowledge 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 limit cases to accommodate thorough in depth investigation of documentation so the sooner you act the better


IBAS acts for UK Business Banking customers






IBAS support and involvement is essential immediately the Bank Demand has been received by the customer


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





Don't let your bank take control of your Business Banking Dispute - contact IBAS now


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 and Mrs H then won her case on appeal.


Conclusion: IBAS knowledge, input and guidance was instrumental in this case reaching a successful conclusion in the Appeal Court for the bank customer.




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: The overcharge and the defence to the bank claim would have remained concealed without IBAS investigations - which provided the evidence for the barrister to counter the bank claim for possession.




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.


BBC Testimonial for IBAS -Your Money Not a moving account







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.

Modified: 5th March 2022