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Established in 1992


Business Banking - Bank Account Dispute - Bank Account Problem?


Royal Bank of Scotland/NatWest bank/RBS Global Restructuring Group (GRG) and HSBC Specialized Lending cases undertaken and investigated by IBAS. IBAS investigate commercial business banking disputes and UK Corporate business banking problems, Business Bank accounts, bank guarantees, bank loans and bank mortgages. IBAS are a 'unique niche' organisation negotiating banking dispute settlement with complete confidentiality. IBAS assessment and investigation of Director's Personal Guarantee debt claims, mortgages, legal charges and security are conducted prior to any bank negotiation.

Often Banks 'take' customerʼs personal assets for an alleged bank debt claim, whilst also claiming an inflated debt or by using an unproven ʻlegalʼ claim because bank customers lack essential knowledge or business banking survival skills required to combat the bank's debt allegations. Many of the successful IBAS cases were originally turned away by solicitors because they could see no basis for arguing the debt being claimed. In fact in most of those cases the solicitorʼs advice was to settle in full with the bank - which the bank would have been extremely delighted with - as afterwards IBAS contested those cases using our knowledge and experience. That's because some bank debt claims have no legal basis on which to claim the debt alleged to be owed to the bank. Some debt claims formally claimed by a demand on a Personal Guarantee have no legal basis. Many cases where bank debt claims were settled should not have been. To some ʻadvisorsʼ settling a £100k bank debt claim for £50k might appear to be a good result - but if it is not proven and not legally owed it's a very poor deal. If the bank is owed nothing they should be paid nothing. It is because IBAS investigate memberʼs cases based on knowledge and experience of all banking debt recovery operations over 26 years that IBAS results are exceptional.

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 in assessing strategy to produce the best results - providing you extra 'options' for your business banking debt demand or director's personal guarantee debt claim demand.

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 we know how they operate and how 'false defaults' are engineered - lawyers do not have that experience or IBAS knowledge from such cases


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Personal Guarantees on Bank Business Debts or business banking debts or disputes for Limited Companies allow the bank to claim a debt is owed personally by the personal guarantor if the business fails or the Limited company cannot pay the debts claimed on the bank's demand. It is not enough for a personal guarantor to resign from the company and even if a company director resigns that may not protect them from a bank claim on their personal guarantee for debts owed by the business whilst they were directors or partners. If you need to have a release/discharge/end/finalize or 'determine' a personal guarantee you will require specific advice to make sure the Personal Guarantee is no longer 'relied upon' by the bank.


Why use the Independent Banking Advisory Service (IBAS) for your Business Banking Dispute?


You may be a Director, Partner or Proprietor with a UK business banking dispute or business banking debt claim and seeking fully independent advice, guidance or help. You will also expect knowledgeable banking experts with long experience who will know from their experience how best they can deal with your banking dispute at a ʻvalue for moneyʼ cost.

IBAS was established in 1992 and is totally independent. IBAS business banking investigations have been the ʻcorner stoneʼ in the many successful IBAS cases and resolutions over 26 years.

We know from our ʻcase workʼ and also the many meetings with Bank Debt Recovery teams just how much information banks hold for their use when they demand payment for business banking debt claims or directorʼs personal guarantee debt claims.

IBAS first priority in any business banking ʻcaseʼ is to obtain all information from the business customer and also from a bank, which we know is necessary to determine the strength of the bankʼs claim on the customer. Our first priority is the same whether it is a business bank account debt in dispute or a debt claim after a business failure where the bank seeks payment from a directorʼs personal security or directorʼs personal guarantee. Personal security may be by a bank guarantee or directorʼs personal guarantee and directors personal guarantees may also beʻsupportedʼ by a bank mortgage on an individualʼs personal property, which may be either jointly held (joint and several) as security with others or severally (individually) held.

We have found from experience that early ʻpaperworkʼ for assessment in many business banking cases is limited, as business owners, directors or partners do not have copies of important documentation on which we know the bank will rely.

We have also found that business bank customer in business difficulties ʻtalkʼ to their bank thinking that it may ʻrelieve pressureʼ on them quickly but without being aware that their call will be recorded and may also then ʻtriggerʼ default for any borrowings and also move matters on much more quickly for the bankʼs legal debt claim either against the business and also trigger all personal guarantees and security demands - see Discover Secrets

Those in business banking disputes are also rarely aware of how the banking debt recovery system operates or just how devious bank recovery officers can be in seeking their first priority - payment of the debt - regardless of the specifics of the customerʼs business banking dispute.

That is why we would never suggest that any business customer in dispute with the bank telephones to ʻdiscussʼ any matter with their bank.
If you really want to talk to somebody - talk to IBAS or better still email us to allow us to assess your concerns and respond to you - so that we may then guide you. - see Received Bank Debt Demand

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



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An IBAS member wrote in: "Just for information we have recently reduced the balance outstanding to the bank and now have a better relationship with a new manager who many times, has apologised for the actions of others that have gone before him. We would like to thank you for your assistance in bringing the matter with the bank to a conclusion. It would have been far easier if we had known about your organisation in the first instance and the corner the bank backed us into would probably never have transpired.

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


IBAS experience and knowledge is extremely important in supporting any business banking customer in dispute with their bank.



After 27 years of investigating business banking cases we know that nobody can claim they have a 'formula for guaranteed success' on business bank debt claims. But, knowing what can be achieved using IBAS strategies developed and finely tuned since 1992 - means that IBAS can 'shorten the odds' to success for 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 on a Director’s Personal Guarantee or on a business banking dispute. What can you do and how best to do it? Can you 'get out of the personal guarantee' - is it possible to do so? Can you dilute your director’s personal liability under a bank’s director personal guarantee debt demand? Those questions have been asked in cases where IBAS investigate bankers and the bank actions where business banking disputes occur.


Do you want to delay the bank progressing to a legal claim? Do you want to gain assistance to test the bank's debt demand issued on you?



See: why IBAS provides you with the best opportunity


Commercial Property Mortgages - IBAS has seen commercial property mortgages cases 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 will also be 'called upon'.


Why do you need IBAS?


IBAS has been analyzing business/commercial/corporate bank accounts and banking contracts since 1992. Our experienced 'eye' and our detailed investigation of the charging structure against the banking contracts is essential if the business is to recover fully what has already been lost to the bank. If the bank has intimated placing an account into 'recovery' or a 'specialized relationship unit' such an investigation may provide 'negotiation' ammunition and may protect your business. As all charging investigations rely on the detail from the 'paperwork' a snapshot of one full charging period is required for us to analyze and for us to then establish whether a full investigation is necessary.


The following statement is posted online by one of our members: "The fact that IBAS have the knowledge and provide assistance in formulating the strategy, which was provided to me under membership and which provided the necessary case law ammunition and support (letters continually making the correct points) to prevent the bank gaining the upper hand - that strength of position then also enabled me to 'face off' the bank's threat (although the bank/solicitors knew their claim was flawed) and this strength of resistance then forced them to discontinue their action - this is all a matter of fact and something which IBAS should be very pleased about." Source

I understand that so many cases are lost before they start because under threats from the bank the customer provides an offer of payment - without understanding there may be a defence to the bank's claim. Having been induced to make that offer, the bank then goes for the jugular. Apparently I am one of a very small band of successful litigants, which I wouldn’t have been without IBAS behind me. - DeeJay   

The above case illustrates how cautious bank business customers need to be when dealing with any bank on a Director's Personal Guarantee 'call' or banking debt claim. It also illustrates, how IBAS advised and guided with the best strategy to enable bank disputes and bank business debt claims to be resolved in the customer's best interests.


'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


As one member wrote in: "What benefited us the most was your concise & well thought out advice, very good knowledge/experience of how the banks work, prompt responses and sensible/pragmatic approach". It is not unusual to see Company borrowings being used to threaten business ownersʼ homes.


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 then exist and yes, we have assisted in many litigation cases which have then been won by our members after litigation in the County Court, High Court and the Court of Appeal.



When IBAS investigates business banking dispute ʻcasesʼ our investigation/s focus not only on the debt being claimed by the bank but also whether the Bankʼs actions in all matters was correct and there are a number of different ways IBAS can or will question the bankʼs actions and seek information. By all matters, we mean that IBAS investigations and investigatory experience with audits and interest overcharging has led to many bank claims being considerably reduced or completely dropped or (as in the above case) legal action pursued.

If IBAS is ʻon the caseʼ quickly enough, we will be able to gather all the information necessary to properly investigate, which will then establish the ʻtrue factsʼ before the bank ʻclears their decksʼ (which will occur after liquidation). After liquidation the banks will attempt to prevent discovery of often essential documents. A bank will only want to present the ʻfactsʼ as they see them to enable the Bank to make a maximum claim and recovery from your assets. That is what they do and how they make substantial profits from debt recovery. If the bank customer ʻmakes it easyʼ for them - the bank will take all they can, regardless of whether it is fair, moral or legal. In other words Banks and Bankers will ʻbend the rulesʼ to suit.

IBAS acts for our members by protecting them from the bankʼs often ʻhostileʼ intentions and protects our membersʼs assets from being ʻraidedʼ or by completely nullifying the bankʼs claim in some cases whilst reducing bank claims or expectations in others.

Are you now personally in debt or liable for a debt claim from a limited company guarantee you provided whilst a Limited Company Director? Do you know what options you may have to settle the bank's claim? Can you protect your home from a bank's debt claim? All bank demands are a direct threat to you personally if you signed a personal guarantee whilst a Director in a limited company or partner in a partnership. A demand on you personally (if not dealt with correctly) may mean that your personal assets and your home are now at much greater risk from the business or limited company debt.

If you are (or were) a company director and have provided a bank with your personal guarantee but have now ceased to be involved with that company/or the company or business is failing - call us for assistance. IBAS provides specific advice on how Personal Guarantees may be reduced, settled and/or eliminated.

IBAS has obtained in excess of £21 million in refunds, write-offs and write-down of bank debt (we stopped 'counting' some years ago) from investigations of UK Business Banking Disputes. We stopped counting because we realized that for an individual it is their business banking dispute and their business banking problem which matters because it's their Director's Personal Guarantee which is 'called' for payment by the bank and after that their personal assets which are at risk from the bank's 'plundering' once their business fails.During the mid 1990's IBAS introduced an 'in house' bank interest auditing unit so that we could directly analyze and check bank interest charges on business bank accounts and also analyze individual bank 'trends'. Our bank interest auditing unit also provided us with an additional specialist investigative 'tool' for IBAS use in 'case work' investigations where business bank accounts often provided banks with 'disputed' funds and bank errors and overcharging often arose.

IBAS acquired unique specialist knowledge, experience and 'tools' by investigating corporate and business banking disputes. IBAS Business banking account dispute investigations have obtained considerable bank overcharge refunds and provided defences and additional negotiations for many members.

IBAS has featured on BBC TV, BBC TV News, ITV, Meridian and Sky News and contributed to editorials and articles in 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 nstrumental in our member's success.


Last modified: 17th March 2019