Established in 1992
Business Banking help - Small Business Banking help
IBAS helps and guides in UK Business Banking disputes and Director's Personal Guarantee business debt claims - IBAS is the only UK non profit organization which provides business banking customers with specialist business banking assistance and specialist business banking guidance and also IBAS specialist business banking investigations.
We believe IBAS is the most economic, professional, confidential guidance and direct assistance organisation available for UK Business banking problems and disputes, up to and including litigation. IBAS has always provided FREE feedback and guidance to those who email us with case information.
IBAS experience has proved to be the deciding factor in effective and sometimes almost miraculous settlements for business banking customers.
If your business has been or was 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.
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.
If you are seeking to 'control' your own position and your future but have just received a business banking debt claim personally for your director's personal guarantee for a limited company debt - IBAS can help you.
IBAS experience and knowledge is extremely important in supporting any business banking customer in dispute with their bank.
As one of our members stated:
" I discovered IBAS via a Google search for “personal guarantee advice”. Until this point I didn’t know that such an organization existed. At the same time I had also started talking to a number of solicitors about my position. The reason that I put my faith in IBAS was that it was clear they had extensive knowledge about PG’s. It seems to be a very specific area of law and whilst the solicitors were very gung ho it was clear they did not have as much specific expertise as IBAS. Since taking on my case IBAS have provided detailed, accurate and realistic advice. They are comfortable handling the various tactics deployed by the banks and provide strength and support during what can become a very stressful situation. I would probably have caved in or lost had IBAS not been handling my case." - MJ
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'.
Are you now beyond the bank's Letter of Concern? - and now personally in debt or liable for a debt claim from a limited company guarantee you provided whilst you were a company director?
Do you know what options you may have? Can you protect your home from the bank's claim?
All bank demands are a direct threat to you personally if you signed a personal guarantee whilst a Director in a limited company or partner in a partnership.
A demand on you personally may mean that your personal assets are now at much greater risk from the business or limited company debt.
IBAS aim to provide good specialist advice and resolution before litigation - if IBAS is involved immediately after bank demand for payment, 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 then exist and yes, we have assisted in many cases which have been won by our members after litigation in the County Court, High Court and the Court of Appeal.
IBAS provides specific guidance for how Personal Guarantees can be reduced, settled and/or eliminated. Unless your personal guarantee/s are properly 'settled' the bank will enforce on those as and when they require to do so - with all costs of their enforcement fully covered within the personal guarantee terms.
IBAS has featured on BBC TV, BBC TV News, ITV, Meridian and Sky News and contributed to editorials and articles in Sunday Times, Times, Daily Mail, Daily Express, Telegraph and Daily Mirror.
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.
Last modified: 18th March 2018