Independent Banking Advisory Service
Established in 1992
Business Bank Problems, Bank Disputes on Bank's Charges?
LIBOR - do you know how much your business is being charged and exactly how? Has your banker evaded simple questions? Banks often 'force' account lending changes for their benefit i.e. from using Base rate as the lending benchmark to LIBOR - these can and do create overcharging 'opportunities' for banks i.e. Did you know the bank is charging you for 'regulatory' matters on top of LIBOR. IBAS evaluate the bank's overcharging 'opportunities' and negotiate positive changes for the customer's benefit. Are you being chased for debt from your limited company director's guarantee?
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 account/mortgage account and security disputes and business banking debt disputes. Our bank 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 is now in it's 25th 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 has a proven strategy which provides claims and defences for business bank customers. IBAS has excellent banking investigation reputation and has featured on BBC TV, BBC TV News, ITV, Meridian and Sky News and contributed to editorials and articles for the Sunday Times, Times, Daily Mail, Daily Express and Daily Mirror.
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 contact IBAS now with your details to make certain that your position and your company position is properly protected and also documented.
Assumptions and theory do not work where a bank debt is being claimed from a director's personal guarantee, debt claim/company liquidation or company administration. CVA and Liquidation of Limited companies can present their own difficulties and Company Directors need to be aware of how asset sales and failure to collect business debts can alter their Director's Personal guarantee debt to the bank. It should be noted that an IVA arrangements will immediately force the bank to remove any overdrafts or loans previously agreed - so advise other than from the IVA or CVA provider themselves is necessary. There is no mystery for IBAS in such matters and we are not 'learning' on your case. Our 'case work' experience has shown us exactly how banks operate.
IBAS specialist knowledge and experience is unique only to IBAS. That's because it has been gathered from IBAS investigations into business banking account disputes and bank mistakes and we use all our knowledge and experience in every 'case'. A fully prepared defence can be drafted with the correct arguments. IBAS know how best to obtain all information necessary for defence purposes to prevent escalation quickly to a legal debt claim and avoid costly legal fees.
IBAS has represented UK businesses in numerous business banking investigations across all UK industries and our investigation into Bank overdrafts and business banking account charging has provided IBAS members with a very strong business banking negotiating position plus the support from a unique specialist, confidential, professional, business banking advice and direct assistance organisation.