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Business Banking Dispute Problem/s with Bank?


IBAS has 30 years continuous business banking dispute investigations and negotiations experience with all UK lenders.


We provide professional, confidential guidance and direct assistance to UK directors and proprietors.


IBAS specialist business banking knowledge from our investigations of UK business banking account disputes provides us with knowledge that no other organization 'acting' for business banking customers will have.


IBAS business banking account investigations, account calculation and analysis of business bank loans, business bank current accounts, business banking contracts, business banking account facilities, plus our knowledge of business banking debt recovery strategy since 1992 provides valuable expertise for current IBAS investigations.



We provide IBAS business banking investigations for UK bank business banking disputes and Submissions to Regulators and Independent, confidential, specialist business banking advice and direct tactical guidance on business banking accounts and facility documentation, business banking secured, unsecured lending, liquidation, receivership and debt claim disputes to UK Company Directors and UK companies.



IBAS is a unique specialist Business Bank customer membership organization which has dealt with large numbers of UK business banking case dispute investigations and resolutions since 1992.



IBAS acts for UK Business banking customers with business banking account concerns, disputes, issues, problems and business banking litigation disputes.



The facts prove that

business bank customers have more success when they come to IBAS

we can then better protect the customer,

their family and also their assets at an early stage.


IBAS only acts for UK Business Banking customers - we do not act for Banks


For IBAS help and assistance email us now with your banking situation.



TM's testimonial for IBAS stated


This is a battle that we have won, which could quite easily have been lost had I not joined IBAS.

I would recommend them to absolutely everybody" - TM



The key to members success and almost miraculous settlements for them is IBAS business banking account investigations experience and our expertise in utilizing our specialist banking knowledge.


Plus our expertise in analysis of business bank loans, business bank current accounts, business banking contracts, business banking account facilities and our knowledge of business banking debt recovery strategy.





I'm so pleased to achieve this exceptional settlement. Thank you again for all your guidance and advice.

I know I could not have done it without IBAS investigating the EFG issues in depth and your diligence in making me gather the fine details. - CW Testimonial





August 2020 - 'Thanks for firstly remotely assessing my bank debt claim complaint/s and then saving me time and money by advising me exactly how to achieve a successful outcome, without solicitors being involved.

Your remote working and knowledge based systems are remarkable. IBAS has saved me many thousands of pounds by obtaining all the facts, then advising me 'safely' on an effective resolution (without wasteful or ineffective 'face to face' meetings in the current Covid 19 'climate').

Brilliant result all round and very safe and cost effective for me. Carry on your good work' - AS Testimonial





Information from those we have assisted since 1992 show that other ‘advisors’, solicitors & also the FOS carried out very limited or basic ‘checks’ on business banking complaints, particularly where business overdrafts, loans and mortgages were concerned.


If you really want to save your home from the bank after demand claim on your directors Personal Guarantee - look no further.


It’s clear that ‘other advisors’ provide advice and ‘outcomes’ - without all the necessary facts.


It's also clear that not obtaining all necessary facts will then disadvantage or destroy the bank customer’s ‘case’.


'Basic checks’ cannot identify customer defences, allow debt reduction or eliminate a debt being claimed.


IBAS standard practice since 1992 has been to investigate bank customer’s business banking account disputes in depth.





'I found IBAS to be Impressive & professional with no nonsense. I followed IBAS strategy totally and the result was spectacular.

Thanks for putting my life back on track and saving me a bucket load of money - I cannot thank you enough.

I would now start with IBAS and ignore all the others who are 'selling' an imitation of these guys but without IBAS knowledge! - AT Testimonial




"We could not recommend strongly enough to anyone struggling with the overzealous banks how helpful IBAS have been.

When we consider how the bank treated us when we hadn’t done anything wrong, never missed a payment and had good loan to value rates, I can only surmise how aggressive they must be to others.

Once again many thanks for the help IBAS have given us both over the past two years. In the nicest way we hope never to require your services again! "- GL Testimonial




IBAS had obtained in excess of £21 million in refunds, write-offs and write-down of bank debt for our members by 2002 from investigations of UK Business Banking Disputes - then we stopped counting.


BBC Testimonial for IBAS -Your Money Not a moving account


Email IBAS

IBAS has featured on BBC TV, BBC TV News, ITV News, Meridian TV and Sky TV News since 1992 and contributed banking editorials and business banking articles for the Sunday Times, Times, Daily Mail, Daily Express, Telegraph and Daily Mirror.






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 disputes and business banking debt disputes with their bank. Our analysis and investigation of business bank loans, business bank accounts, business banking contracts, business banking account facilities and business banking debt recovery information has been instrumental in our member's success.


Modified: 3rd November 2021