Independent Banking Advisory Service 

Established in 1992




IBAS Testimonials

Unique IBAS Benefits

Business Banking Disputes

Business Banking

Business Bank Overcharge/s

Bank Mortgage

UK Bank Litigation

Personal Guarantee

Personal Guarantee/ Indemnity

Banking Litigation Report

Business Banking Solutions

Banking articles


Useful Bank Customer Links

UK Banking News and IBAS Comment Archive

Banks MPs and Government


Contact Us


UK Net Guide Banking Bodies Top 10 Site





Business Banking, Small Business Banking solutions

Independent Banking Advisory Service (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, bank accounts, banking contracts, business banking account facilities and banking debt recovery information has been instrumental in our member's success

IBAS acts as a confidential business partner and advisor for your business by providing reliable data and expert advice and will be a valuable addition to your management team. The additional attentiveness in your business ‘banking relationship’ and quality of information IBAS provides also allows your management team to concentrate on all other areas of your business, whilst making certain that your business banking account charges are correct and that bank interest charging is not (and has not been) inflated or excessive.

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'.

Contact IBAS to see how we may help you

IBAS specialist investigation of the charging structure against the banking contracts is essential if the business is to recover fully what has already been taken or lost to the bank. If the bank has intimated placing an account into 'recovery' or a 'specialized relationship unit' an IBAS investigation may also provide 'negotiation' ammunition and may protect your business. As all charging investigations rely on the detail from the 'paperwork' a snapshot of one full charging period is required for IBAS to analyze and to then establish whether a full investigation is necessary.

IBAS membership is only offered by IBAS when we are confident that IBAS assistance will be of value and also that the 'case' has not already been compromised.

Please note: IBAS only accept email enquiries which also provide us with full background information to enable us to assess whether your case can be assisted under IBAS membership. Which means that 'Two liner' and requests for 'call back' emails will not be answered. Our team is fully committed to IBAS members and only those enquirers who are prepared to provide IBAS with full information on their 'case' will be responded to by email.

IBAS has conducted 'in depth' business banking case investigations specific to the causes of individual business failures since 1992. IBAS tactics and knowledge gained from all business banking cases across all UK banks is now used today in our business banking 'case work'. We know what banks do, how they do it and how they also 'think'.  Our research showed it was inevitable that UK businesses would continue to suffer because banks illustrated a constant desire for profit at any cost from UK business. The bank's desire for excessive profits was supported by lack of regulation. The continued bank excesses are illustrated by the colossal cost of PPI compensation now paid out to successful claimants.

The figures and the facts are published. The evidence shows tremendous damage to UK businesses by corrupt banks over many years. With UK businesses being forced into failure and bankruptcy by the banks in their deliberate profiteering by excessive charging, corrupt business models and corrupt business practices.

There have been many UK banks scams and cons orchestrated for profit, including PPI, SWAPS and LIBOR 'rigging' plus the many other money making schemes to profiteer from vulnerable business like the Royal Bank of Scotland Global Restructuring Group, HSBC 'specialised' lending and recovery units - both of which were advertised by the bank as being for business support and as a business 'restructuring arm of the bank'.

IBAS specialist business banking knowledge will identify possible defences and actions required as IBAS deal directly (if agreed) with the bank on your behalf with a proven strategy. As a member wrote: "What benefited us the most was your concise & well thought out advice, very good knowledge/experience of how the banks work, prompt responses and sensible/pragmatic approach". 

Since 1992 IBAS have carried out many business banking investigations. Some of the cases investigated are represented by a descriptive phrase below - Please note, the list below is only a sample:


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 which quotes IBAS views on our member's case.


Director's personal guarantees, invalid director's personal guarantees, banking guarantees and indemnities. Bank demand/s for payment of Director's Personal Guarantee and bank demands for bank business overdraft/loan facilities.

IBAS has reviewed many existing Director's Personal Guarantee, Personal Guarantee/s and bank positions to ascertain the risks and what action needed to be taken and the strategy for such action to be taken.

Cloud or Crowd Funding Personal guarantees - assessed and investigated.

Intense, often aggressive pressure from bankers to reduce business bank borrowings / provide more business assets or pressure to factor with the bank's factoring company
SWAPS interest rate complaints, misrepresentations/miss-selling & deception in sales of SWAPS 'agreements'. Property secured to a SWAPS agreement of an unequal term, release of security to business bank loan and mortgage/s.
Business bank current account, double charging, Bank pressuring businesses for more and greater business assets, lower business borrowings forced, higher personal Director's guarantees and further personal guarantees secured on family homes by bank mortgage.
Bank demanding greater security for company borrowings but also reducing their bank lending whilst doing so.
Business Bank current account - bank overcharging of interest and business current account bank - overcharging for double debits and fees,- Bank Overcharging debit bank interest on business banking current account/ loan/ guarantee/ mortgage.
Bank breaching contracts with business banking customer - RBS Global Restructuring Group (GRG) assistance, Business banking current accounts/ mortgages/ loans being moved from branch to debt recovery department / specialized lending unit / business support unit / business recovery support unit and normal banking relationship ending.
Bank forgery of security documents to obtain property/payment for debt, Banker's misrepresentations in obtaining further security, Bank lending using both undervalued and overvalued property.
Tracing of ‘lost’ business bank accounts, moved and then ‘lost’ in an offshore bank, Cheque and BACS payments by bank branches without authority, Bank paying outside company mandate for business account/s.
SFLGS Business Failures and EFG Failures where IBAS has provided pre-litigation assistance on issues ranging from company loss, bank mistake, security taking, debenture taking and debenture registration and the taking of and 'calling up' of associated director's personal guarantees.
EFG Business Failures and Bank demanding payment for director's personal guarantees for full EFG loan provided to company. Unauthorized withdrawals and proven thefts from company bank accounts by company employees and associated money laundering. IBAS has provided analysis, investigated and collated evidence in order to calculate loss for a claim to be made.