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Business Banking Account Dispute or Bank Account Problem?

Royal Bank of Scotland/NatWest bank/RBS Global Restructuring Group (GRG (see below on 8th November) and HSBC Specialized Lending cases undertaken and investigated by IBAS. IBAS investigate business banking disputes and UK Corporate banking problems, Business Bank accounts, bank guarantees, bank loans and bank mortgages. IBAS hold a 'unique niche' position for negotiating banking dispute settlement with complete confidentiality. Assessment and investigation of Director's Personal Guarantee debt claims, mortgages, legal charges and security are conducted by IBAS prior to bank negotiation.

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.

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'.

Contact IBAS now with your details to make certain that your position and also your company position is properly protected and properly documented.

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.

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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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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.


Many of our members have provided banks with their Personal Guarantee to ʻsecureʼ or cover the borrowings of their individual companies. But, after demand by the bank and company liquidation the Bankʼs debt recovery unit officers will often threaten the individuals (over the telephone) with: “if you do not provide proposals we will repossess your homeʼ.

That ʻpracticeʼ has not changed and Banks still ʻthreatenʼ customers - because itʼs very effective. Any proposal made in haste will effectively eliminate all defences which may have been available before the proposal was made. Banks know that customers ʻringing inʼ are ʻfair gameʼ for intimidation and they provide the bank with the opportunity to make the customer provide hasty proposals to pay - regardless of any possibility of a defence against the bankʼs claim or a defence against the excessive amount being claimed.

So, Number 1 on the list of what not to do when faced with a bankʼs business debt claim or Personal Guarantee debt Demand - is do not make a phone call to the bank - nothing good can come from it!
If you had seen (as we have at IBAS) just how many bank customers have telephoned the bank first and given away all defences by making hasty proposals to pay without seeking proper assistance - you would know not making a hasty proposal to pay is plain ʻcommon senseʼ.

So, until you have sought and gained the ʻcorrectʼ assistance no proposals should be contemplated.

Number 2 on the list of what not to do when faced with a bankʼs business debt claim or Personal Guarantee debt Demand - is do not make requests for information i.e. Personal guarantee copies.

As, whilst the bank will willingly provide all they need to make their claim ʻstickʼ they will not provide what you need to defend against it - professional assistance is required to properly assess what should be obtained from the bank and why. Obtaining a copy of the personal guarantee alone is not enough.

Number 3 on the list of what not to do when faced with a bankʼs business debt claim or Personal Guarantee debt Demand - is do not use forums - if you are attempting to protect your home from attack by the bank after a personal guarantee demand claim. Gathering and using what appears to be ʻdefenceʼ material may not be helpful to you.

A lot of the forum information is not only completely out of date but courts now expect defence material to be complete and full when filed into court. The result of a poorly presented defence is to ʻinviteʼ a ʻstrike outʼ at court with an immediate application for a charge over property and in some case an order for sale.

Number 1 on the list of what to do when faced with a bankʼs business debt claim or Personal Guarantee debt Demand - is seek immediate professional help in ʻproperlyʼ dealing with the bankʼs demand.


When IBAS investigates business banking ʻcasesʼ our investigation/s focus not only on the debt being claimed by the bank but also whether the Bankʼs actions in all matters is or has been 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 either considerably reduced or completely dropped.

If IBAS is ʻon the caseʼ quickly enough, we will be able to gather all the information necessary to properly investigate all matters, 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 ʻlets themʼ or 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 them.

But, Bank debt Recovery staff are not employed by the Bank to advise Bank customers - bank customers require independent professional and specialist advice before any proposals can or should be made. 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.

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 (preventing me making offers which I wanted to make, just to get this case against me closed, and which would have destroyed any defence) - 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 just 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 advises and guides it's members with the best strategy to enable bank disputes and bank business debt claims to be resolved in the customer's best interests.

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 only their business banking dispute and their business banking problem which matters. That's not too surprising 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' if 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 is totally independent and will identify the correct 'focus' for banking complaints and provide practical and direct assistance whilst conducting business banking dispute investigations. IBAS has unique business banking information which provides IBAS members with direct advice and assistance.