Independent Banking Advisory Service 

Business Problems with Banks, Bank Disputes on Charges?

Received a 'Letter of Concern' from your bank? That will state what and where the bank has decided there are problems and issues in your business. The bank will then state what they require from you and your business to correct matters.

However, a 'Letter of Concern' is more than just a statement from the bank on how they would like it solved - it is a warning of the bank's impending desire and aim to involve themselves directly in how you run your business and for which they will charge you in a month probably more than an IBAS membership costs for a year! There are very large fees and costs about to come your way and a different bank management style is also planned for you and your business.

A 'Letter of Concern' needs to be seen by you and your business as a direct threat - because it may start a spiral of business decline and destruction very quickly, if not dealt with correctly and it may also mean that your Personal Guarantees and/or personal assets are also at much greater risk - IBAS can provide specialist assistance to your business now if you have received such a letter - find out how!

IBAS immediate specialist help before matters escalate may prevent the situation deteriorating, whilst also identifying and negotiating the best resolution possible. IBAS membership before the bank moves into further action may prevent huge extra fees and charges that the bank will otherwise inevitably levy to penalize the business. Bank fees will be much higher when the bank knows your business is not receiving specialist help to combat their actions.

What does IBAS membership offer you?

IBAS is the most experienced organization in this field with 20 years 'track record' in Banking cases and resolving Director's Personal Guarantee issues. Our aim is to provide the best professional and personal Banking and Personal Guarantee advice service to protect our members at a low and affordable annual membership. IBAS offers specialist and individual Banking and Personal Guarantee advice and assistance and will assess your personal position to establish how your banking dispute or Personal Guarantee may impact upon you and also your family. Our first action is always to protect your personal position and prevent it being compromised further, by any ill advised actions with regard to the banking dispute or Personal Guarantee you have already signed.

We use our experience from numerous business banking investigations across all UK industries as well as our own research on Bank overdrafts and business banking accounts to challenge banks hard on their performance. This provides a strong UK banking negotiating position for our member's benefit.

email IBAS for help

You will find our 2012 national newspaper comments (plus many more over many years in the News and archives sections of our site) - IBAS has been helping business bank customers with their personal guarantees and Director's personal guarantees debt claims and demands since 1992.

Independent Banking Advisory Service (IBAS) is a national, independent, non-profit, unique specialist banking customer membership organization which resolves banking complaints and disputes and which has campaigned on UK Banking customer issues since 1992. We provide bank and business banking assessment, analysis, bank comment and content for BBC TV News, ITV, Radio and national newspapers.