IBAS Testimonials




Unique IBAS Benefits


Business Banking Disputes


Business Banking Dispute Complaints To FOS


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Business Bank Overcharge/s


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Received Bank Personal Guarantee Debt Claim Demand?


Personal Guarantee/ Indemnity






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Established in 1992


Business Banking Dispute & Problem/s with Bank?


IBAS experience has proved to be the deciding factor in effective and sometimes miraculous settlements for our business banking customers.

If your business 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 IBAS know how they operated and how false defaults were 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


IBAS Testimonials



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We can act quickly to advise and protect you if you are facing liquidation, receivership and being threatened by bank business debt claims or Director's Personal Guarantee Debt Claims from company debts.

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 Dispute or Bank Charging dispute/s?

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

Banks often 'force' business account lending changes for their benefit (i.e. from using Base rate as the lending benchmark to LIBOR) often - such changes create overcharging 'opportunities' for banks ( 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 the only UK non profit organization providing business banking customers with specialist business banking assistance and specialist business banking guidance and IBAS specialist business banking investigations.

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


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 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 is extremely important for supporting you in a business banking dispute with your bank.


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 in 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 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: 5th January 2019