Independent Banking Advisory Service 

Established in 1992




IBAS Testimonials

Unique IBAS Benefits


Business Banking Disputes

Business Banking

Business Bank Overcharge/s

Bank Mortgage

Personal Guarantee

Personal Guarantee/ Indemnity

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, Turnaround & Rescue

Small Business owners provide banks with very sensitive business financial information. That information is provided whilst 'trusting' their bank will also work with them. Business owners always hope that the bank will understand their position and support them. Unfortunately, reality is very different. Banks are neither trustworthy nor honourable, where their own interests conflicts with yours. Internal notes are made of all conversations by banks and often 'snippets' of prior telephone calls are 'used' later to support the bank's position. IBAS see the result of such conversations being used in bank 'Letters of Concern' as the bank sets new 'hurdles' for the business to jump and new charges and fees with which to 'control' your business.

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 never worked for any bank or lender and does not accept money from lenders or Government and is totally independent.

We believe IBAS is the most economical, professional, confidential guidance and direct assistance organisation available for UK Business banking problems and disputes, up to and including litigation. IBAS experience has proved to be the deciding factor in effective and sometimes almost miraculous settlements for business banking customers. What do you require from your advisor? Tell us what you are seeking by emailing us and we will respond to you in a no obligation and confidential 'conversation'.

The first question when you receive a bank demand for payment will be is this valid? or can this be contested in any way - if so how?

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 (and IBAS use only) in assessing investigation strategy to produce the best results - that provides you with extra and better 'options' for your bank personal guarantee debt claim demand.

Email IBAS now - we can help you - others may not

After 25 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.

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'. The FOS only deal with smaller company matters. Therefore, if your business has any doubt/s regarding a commercial property mortgage, it's term, payments made or the bank interest that has been taken or charged.

IBAS is now in it's 26th year helping/guiding those with 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.

IBAS business banking dispute negotiating experience and proven strategy provides claims and defences for business bank customers. IBAS has excellent banking investigation reputation and has also featured on BBC TV, BBC TV News, ITV, Meridian and Sky News and in Sunday Times, Times, Daily Mail, Daily Express and Daily Mirror editorials.

IBAS has carried out 'in depth' business banking case investigations which have been specific to the causes of individual business failures. The tactics and knowledge gained from those business banking cases across all UK banks is used in our business banking 'case work' today for you. We know exactly what banks do and exactly how they think. When banks examine lending portfolios, they 'weed out' Businesses they consider 'risky' to seek maximum return and minimum exposure whilst charging heavier fees and higher interest on UK businesses. That is now a normality. Banks such as Royal Bank of Scotland's Global Restructuring Group and other bank 'specialized lending' departments demand higher or maximum security whilst 'exiting' those businesses.

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.

When a business fails, debts for limited company guarantee/s or Director's personal guarantees and other security and mortgage charges will be called on by the bank for payment - often the family home is at risk from the Bank's debt payment demand.

If you are seeking to 'control' your own position and your future but just received a debt for limited company or a guarantee debt claim demand from a director's personal guarantee - we can help. 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

Sunday Times – Business – How to keep out of trouble with banks – Pressure groups are calling for tougher measures against banks, saying sharp practice, high charges and inflexibility are still hurting small firms. When Chris Vass opened the letter from his bank telling him that a decade after his family business had collapsed. NatWest suggested he sell his home to repay his debt, he says it was like a “hammer – blow”. “The case of the Vass family – shows how easily a bank can enforce a signed agreement,” says Eddy Weatherill from the Independent Banking Advisory Service (IBAS), which helps people who run into trouble with banks. “Never trust the phrase, ‘this is just a formality’, or ‘we can change this later’ when signing a document. Get all the facts on the worst case scenario and don’t be rushed into signing something.” Weatherill says: “Banks do lie and cheat.” - Result on this case? IBAS were able to negotiate a favourable settlement for Mr & Mrs Vass.

Sunday Times Small Business - Banks profit at expense of small firms – The big four have been criticised for taking advantage of inexperienced owner-managers. Eddy Weatherill of Independent Banking Advisory Service (IBAS) says: “Small businesses are an attractive target because they have high security, liquid assets and are here rather than thousands of miles away.” - “Ask yourself just how solvent you are if the bank demands its cash within hours - because nobody is immune.”

Last Modified: 8th February 2018