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Established in 1992


Business Banking, Small Business Banking solutions


We believe IBAS provides the most economical, professional, confidential guidance and direct assistance organisation available for UK Business banking issues, problems and disputes. IBAS experience and strategies have proved to be the deciding factor in effective and sometimes almost miraculous settlements where business banking customers have been in dispute with their bank.

IBAS has specialist knowledge from IBAS investigations into UK business banking account disputes since 1992 - no other organization has IBAS experience or IBAS knowledge, which provides IBAS with 'extra' width of knowledge for our investigations to produce the best results - that provides you with extra 'options' for a director's bank personal guarantee debt claim demand and for any other business banking claim or dispute.


- see Business: Your Money Not a moving account  - BBC 22/07/99


See sample of IBAS Testimonials


If your business has been forced into Lloyds Bank Business Support Unit, Royal Bank of Scotland/NatWest bank/RBS Global Restructuring Group (GRG) unit or HSBC Specialized Lending Unit - we know how they operate and how false defaults are engineered - lawyers do not have that specific experience or IBAS knowledge from such cases. It is also now documented that Mandatory referrals and transfers to such units were required by those banks and that any 'breakdown' of the customer relationship (whether engineered by the bank or not) was used to refer businesses to such units and that even the questioning of bank charging by the business was enough to 'trigger' the bank moving that business to what are effectively 'debt recovery units' and building up penalty fees and charging rates to drive up the debt then being claimed - so contact IBAS with your case details and let us know whether your company is still trading - or been forced into insolvency by the bank.

After 26 years of investigating business banking cases we know nobody can claim they have a 'formula for guaranteed success' on business bank debt claims. But, knowing what can be achieved from IBAS strategies developed and finely tuned since 1992 - means that IBAS can 'shorten the odds' to success with your claim.


IBAS experience and knowledge will be extremely important in supporting business banking customers in dispute with their bank.



Business Support Units, Specialized Lending or Specialist Relationship Managers are all terms used by the banks for those brought in to 'rip off' businesses by forcing or 'triggering defaults' - which forced businesses into insolvency situations where the bank could then plunder the cash flow and assets.


Contact IBAS now to see how we may help you


Or telephone (during office hours only) on 01487 843444 for confidential conversation



IBAS provides experienced specialist and practical advice to IBAS members on how best to deal with and control the bank’s ‘collection’ activities after demand of the debt has been made on a Director’s Personal Guarantee. What can you do and how best to do it? Can you 'get out of the personal guarantee' - is it possible to do so? Can you dilute your director’s personal liability under a bank’s director personal guarantee debt demand? Those questions have been asked in cases where IBAS investigate bankers and the bank actions.

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 to inflict 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'.

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.

IBAS has conducted 'in depth' business banking case investigations into 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'.  

The figures and the facts have been already 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 bank's deliberate profiteering and 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'.

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 has 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)

IBAS aim to provide good specialist advice and resolution before litigation if possible but if IBAS is involved immediately after demand for payment by a bank, our aim is to gain all information which we know is necessary to assess legal arguments - against existing case law. IBAS lay the 'groundwork' for successful defences or banking claims by first preserving any defences which exist and we have assisted in many cases which have been won by our members following litigation in the County Court, High Court and the Court of Appeal.

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.

Personal Guarantees on Bank Business Debts or banking debts for Limited Companies allow the bank to claim a debt is owed personally by the personal guarantor if the business fails or the Limited company cannot pay the debts claimed on the bank's demand. It is not enough for a personal guarantor to resign from the company - even if a company director resigns that may not protect them from a bank claim on their personal guarantee for debts owed by the business whilst they were directors or partners. If you need to have a release/discharge/end/finalize or 'determine' a personal guarantee you will require specific advice to make sure the Personal Guarantee is no longer 'relied upon' by the bank.

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 bank 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.

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 has featured on BBC TV, BBC TV News, ITV, Meridian and Sky News and contributed to many editorials and articles including those for the Sunday Times, Times, Daily Mail, Daily Express, Telegraph and Daily Mirror.


Last modified: 7th November 2018