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Independent Banking Advisory Service 

Established in 1992

 

Business Problem/s with your Bank?

 

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'.

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.

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 experience or IBAS knowledge from such cases - so contact IBAS.

'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 November 2016

 

Email IBAS now - we can help you

 

Or telephone (during office hours only) on 01487 843444 for confidential conversation

 

See sample of IBAS Testimonials

 

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.

IBAS provides experienced specialist and practical advice to IBAS members on how best to deal with and control the bank’s ‘collection’ activities after demand of the debt has been made. What can you do and how best to do it? Can you 'get out of it' - is it possible to do so? Can you dilute your personal liability under a bank’s debt demand? Those questions have been asked in cases where IBAS investigate bankers and the bank actions.

Business Bank Problems, Bank Disputes or Bank Charging disputes?

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

LIBOR - 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.

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 acts as a confidential business partner and advisor for your business by providing reliable data and expert advice and will be a valuable addition to your management team. The additional attentiveness in your business ‘banking relationship’ and quality of information IBAS provides also allows your management team to concentrate on all other areas of your business, whilst making certain that your business banking account charges are correct and that bank interest charging is not (and has not been) inflated or excessive.

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'.

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'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 November 2016

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IBAS aim to provide good specialist advice and resolution before litigation but if IBAS is involved immediately after demand for payment by a bank, 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 defences which exist and yes, we have assisted in many litigation cases which have been won by our members after litigation in the County Court, High Court and the Court of Appeal.

IBAS experience and knowledge will be extremely important in supporting any business banking customer in dispute with their bank. - See latest on Lloyds Bank case with IBAS member Keith Elliott:

Key Lloyds Business Support Unit documents set to be uncovered in High Court Case - Key documents surrounding Lloyds Business Support Unit (BSU) are set to be revealed in a £55m legal battle with a motor dealership that has accused the bank of forcing it out of business. Leeds-based car dealer Premier Motorauctions has accused Lloyds and accountants PricewaterhouseCoopers (PwC) of conspiring to force the business into administration and then profit from its sale. In a court hearing on Monday, Lloyds agreed to search for a copy of its three year plan after a memo likening the BSU to the Royal Bank of Scotland's (RBS) highly criticised global restructuring group (GRG) was revealed last week. The three-year plan is thought to contain language similar to that used in RBS's 'Dash for Cash' manual, in which Lloyds's objectives were listed as the “doubling of income” and “moving from ‘defenders to strikers’'. - 6th March City A.M.

Lloyds and PwC face £55m court case from motor dealer who says the firms forced it out of business - Lloyds Banking Group and accountants PwC face a £55m legal battle with a motor dealership which will allege they colluded to force it out of business. Yorkshire-based Premier Motor Auctions will argue Lloyds used its Business Support Unit as a profit centre to extract money from struggling firms, according to the Sunday Telegraph. Premier, led by chief executive Keith Elliott, went bust following a failed sale of the business in April 2008. The firm will allege it was the victim of a plan to push bank staff to increase profits as the financial crisis hit. - 25th February 2018 - City AM

Bank threats for successful SMEs and their owners/proprietors as identified in Hansard see: Hansard debate on Premier Motor Auctions at 11am . This is an 'ongoing' case for an IBAS member which has now reached the courts with a claim against both Lloyds and also PwC.

See Austin Mitchell's address from column 212WH to column 219WH which provides Keith Elliott's MP's concerns on conflicts of interest and which quotes IBAS views on our member's case. - Contact IBAS to see how we may help you

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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. IBAS 'case work' experience has shown us exactly how banks operate and we are not 'learning' on your case.

IBAS specialist knowledge and experience is unique only to IBAS because it's 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.  

IBAS has featured on BBC TV, BBC TV News, ITV, Meridian and Sky News and contributed to many editorials and articles including those for the Sunday Times, Times, Daily Mail, Daily Express and Daily Mirror.

 

see Business: Your Money Not a moving account  - BBC 22/07/99

 

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.

 

Last modified 6th April 2018