Independent Banking Advisory Service
Established in 1992
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.
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 on Bank's Charges?
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.
Are you being chased for debt from your limited company director's guarantee?
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'.
'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
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
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.
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 8th February 2018