During the last few years we have assessed enquiries, investigated, advised and negotiated business banking matters, directors personal guarantees, invalid director's personal guarantees, banking guarantees and indemnities and business banking 'allegations' including:

Business bank loan account, Business bank current account - double charging.

Bank pressuring businesses for more business assets, lower business borrowings, higher personal Director's guarantees and further personal guarantees secured on family homes by a bank mortgage.

Intense and often aggressive pressure from bankers to reduce business bank borrowings / provide more business assets or pressure to factor with the bank's factoring company.

Bank demands for payment of Director's Personal guarantee and bank demands for bank business overdraft/loan facilities, many years after business directorship and Director's involvement  in company had ceased.

Director's Personal Guarantee reviews to assess existing Personal Guarantee/s and bank position - ascertain whether action needs to be taken and how.

Bank demanding greater security for company borrowings but also reducing their bank lending at the same time.

Business Bank current account - bank overcharging of interest and business current account bank - overcharging for double debits and fees.  

Overcharging debit bank interest on business banking current account/ loan/ guarantee/ mortgage.

Bank breaching contracts with business customer.

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.

Banker's misrepresentations, whilst obtaining further security.

SWAPS interest rate transfers - misrepresentations/miss-selling.

Tracing of ‘lost’ business bank accounts, moved and then ‘lost’ in an offshore bank.

Bank lending using both undervalued and overvalued property.

Cheque and BACS payments by bank branches without authority.

Bank paying outside company mandate for business account/s.

SFLGS Business Failures - We have 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 bank personal guarantees.

EFG Business Failures - Bank demand payment for 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 – We have provided analysis, investigated and collated evidence in order to calculate loss for a claim to be made in these cases.

We help members avoid or overcome business difficulties and provide them with truly independent, impartial banking advice and direct assistance with their business and their business banking.

IBAS FAQ illustrates many of the regular questions asked - but for help with your specific business banking issue/ dispute/bank problem email IBAS

Independent Banking Advisory Service (IBAS) is a national, independent, non-profit, unique specialist banking customer membership organization which resolves banking complaints and disputes and which has campaigned on UK Banking customer issues since 1992. We provide bank and business banking assessment, analysis, bank comment and content for BBC TV News, ITV, Radio and national newspapers.