IBAS - Independent Banking Advisory Service 


UK Net Guide Banking Bodies Top 10 Site


IBAS Site Map




IBAS Testimonials




UK Business Banking Account Dispute Investigations




Director's Bank Personal Guarantee




IBAS Benefits
















































Business Banking, Small Business Banking Dispute Solutions


30 years continuous business banking dispute investigations experience with all UK lenders.


We provide professional, confidential guidance and direct assistance to UK directors and proprietors.


The interests of the bank business customer is our focus.


UK Business banking customer with business banking account concerns, disputes, issues, problems or business banking litigation dispute?


Confused by Internet searches? Bookmark this page* - IBAS is very experienced and 'up to date' in this area


IBAS only acts for UK Business Banking customers - we do not act for Banks


We have saved many bank customers homes in the last 30 years - If we could show you how to save your home from a bank debt claim would you be interested?


IBAS investigate Directors Personal Guarantee Disputes and Debt Claims and can help defend banks legal claim on directors personal guarantee debt claim - avoid personal guarantee judgment


- send us details of your dispute and debt claim with specific questions for which you require answers




IBAS are independent specialist investigators in UK business banking disputes, bank debt claims, Directors Bank Personal Guarantee and Business Mortgage Debt Claims.

The continuous, combined experience of UK banking investigations and UK banking case law since 1992 is offered to those fortunate enough to be offered IBAS Membership for their business banking dispute. IBAS experience and knowledge has saved many homes from being taken by banks after the bank demand on a Directors Personal Guarantee has threatened them.

IBAS limit cases to accommodate thorough in depth investigation of documentation.





Why use Independent Banking Advisory Service (IBAS)?


Maybe, you just feel uneasy? Coronovirus has adversely affected many extremely profitable businesses. Pushing them into very challenging positions. IBAS experience has helped many businesses survive where they were under severe pressure from their bank.

IBAS cases together with many meetings with Bank Debt Recovery teams and also our litigation document discovery service for solicitors, showed us how much detailed information banks hold on their customers for the bankʼs use.

Later, when a business is struggling that information is also used by the Bank and also their Debt Recovery Team to pressure the business or seize assets.

IBAS has very experienced banking experts who are used to auditing bank documents, investigating bank statements and dispute claims and who have taught many businesses how to 'take back' their business and assets.


Would you prefer that you controlled your businesses future instead of the bank?





Some IBAS case investigation summaries are shown below - We could not cover all case study material as it would fill several books!


Case Study - Property Development Company - Director's Personal Guarantee - Business Failure - Bank demands payment for director's personal guarantee for full company debt owed of circa 100k - bank threaten to take his home.

As with many property development companies this Director's Personal Guarantee was signed without ILA being provided.

When the business failed the Director took advice from solicitors. Their advice was to settle with the bank - otherwise they would 'take his home' - IBAS took on the case and fully investigated all the circumstances.

The bank had written and threatened the bank would take the Director's home if he did not pay them what they had claimed.

IBAS negotiated with the bank over a period of about six months.

Despite the bank's claim on a provable 100k company debt, IBAS obtained the bank's confirmation they would not proceed further on their alleged Personal Guarantee debt claim demand against the Director.


"The Director stated: "The outcome was without doubt more than we could ever have wished for"

- "We would highly recommend your services to anyone placed in the same position that we found ourselves in"

- Testimonial Letter




Case Study - Construction Company - EFG Loan - Business Failure - Bank demands payment for director's personal guarantees for full EFG loan provided to company.

Several EFG loans were provided to the company and Director's Personal Guarantees were taken over a period of years which confused the directors who were misinformed by the bank on their position and also their possible liability if the business failed. When the business failed the bank then demanded the maximum amount outstanding on all the loans - claiming the director's personal guarantees covered the full debt.

IBAS not only disputed the debt but also how the EFG Loans were provided to the company and the 'selling' methods and bank 'strategy' used in obtaining signatures for the Director's Personal Guarantees.

Had IBAS not obtained all information available and then investigated matters the bank would have taken the customer's home - as that was their motivation.


After considerable dialogue over more than a year - the bank eventually agreed their position had been overstated and errors were made which enabled IBAS to settle with the bank for a sum which the customer agreed had provided 'a very good result'.





Case Study - Manufacturing Company - Unauthorized company bank current account withdrawals and alleged thefts by company employee - Bank paying 'outside' company mandate for business account/s - IBAS provided analysis, investigated, collated evidence to calculate the proven loss for a claim to be made by the Company.






Case Study - Services Company - Unauthorized company bank current account withdrawals and alleged thefts by company employee - Bank paying 'outside' company mandate for business account/s


IBAS provided the analysis, investigated, collated evidence to calculate and prove the claim for loss to be made by the Receivers against the bank.




IBAS has reviewed a great many Director's Personal Guarantee Debt Claims and Demands, Personal Guarantee/s and banking debt claims to assess the risks to the customer and for resolution of the debt claim


IBAS has investigated:


Cloud or Crowd Funding Personal guarantees - IBAS has assessed and investigated Crowd Funding Guarantee Demand Claims and resolved those claims.

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.

SFLGS Business Failures and EFG Loan Business 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 bank director's personal guarantees.

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.

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.

Limited Company bank debt disputes and bank claims for payment.

Bank Business account overcharging - IBAS calculated the correct balances and compounding to claim back the overcharged interest.

Bank current account overcharging - IBAS provided calculations which proved bank overcharging on the accounts.

Bank forgery of payment and security documents to obtain property/payment for debt.

Banker's misrepresentations in obtaining further security, Bank lending using both undervalued and overvalued property valuations.

Tracing lost or connected business bank accounts in an offshore bank.

Cheque and BACS payments by bank branches without authority & Banks paying outside company mandates for business current and business loan account/s.




IBAS had obtained in excess of £21 million in refunds, write-offs and write-down of bank debt for our members by 2002 from investigations of UK Business Banking Disputes - then we stopped counting.


BBC Testimonial for IBAS -Your Money Not a moving account


Email IBAS

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.






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. Our analysis and investigation of business bank loans, business bank accounts, business banking contracts, business banking account facilities and business banking debt recovery information has been instrumental in our member's success.


Modified: 29th November 2021