We provide UK Business Banking solutions for businesses with banking disputes and/or Corporate banking problems and UK business bank help or banking account help with UK business banking disputes, business bank problems and bank complaint resolution. We investigate banking issues or complaints relating to a UK Corporate banking problem, Business Bank accounts, bank guarantees, bank loans and bank mortgages. IBAS hold a unique niche position for negotiating a banking dispute settlement with complete confidentiality and without conflicts of interest. Assessment and Investigation of Director's Personal Guarantees, mortgages, legal charges and/or other security is carried out by IBAS prior to any bank negotiation and we do not accept any debt claimed by a lender on 'face value'. We challenge banks hard but we are always professional in what we do.

Example: The following statement is posted: "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."

This case illustrates just how cautious a personal guarantor needs to be when being chased for payment on a Personal Guarantee 'call' and also how IBAS guides members with Personal Guarantees and bank account disputes for their best interests towards a dispute resolution.

In excess of £21 million in refunds, write-offs and write-down of bank debt have been obtained from our investigations of UK Business Banking Disputes over a period of 20 years. We stopped 'counting' the value of the direct benefits to all our members some years ago - because to the individual business, only their business banking dispute and their business banking problem matters and is important to them. That is not too surprising to IBAS - as we know it's their personal assets and Personal Guarantees which are at risk from the bank's 'plundering' if a business fails.

You will find our 2012 national newspaper comments (plus many more over many years in the News and archives sections of our site) - IBAS has been helping business bank customers with their personal guarantees and Director's personal guarantee debt demands since 1992.

IBAS is the most experienced organization in this field with 20 years 'track record' in Banking cases and resolving Director's Personal Guarantee issues. Our aim is to provide the best professional and personal Banking and Personal Guarantee advice service to protect our members at a low and affordable annual membership. IBAS offers specialist and individual Banking and Personal Guarantee advice and assistance and will assess your personal position to establish how your banking dispute or Personal Guarantee may impact upon you and also your family. Our first action is always to protect your personal position and prevent it being compromised further, by any ill advised actions with regard to the banking dispute or Personal Guarantee you have already signed.

Have you received a letter of concern? A 'Letter of Concern' needs to be seen by you and your business as a direct threat - because it may start a spiral of business decline and destruction very quickly, if not dealt with correctly and it may also mean that your Personal Guarantees and/or personal assets are also at much greater risk - IBAS can provide specialist assistance to your business now if you have received such a letter - find out how!

IBAS immediate specialist help before matters escalate may prevent the situation deteriorating, whilst also identifying and negotiating the best resolution possible. IBAS membership before the bank moves into further action may prevent huge extra fees and charges that the bank will otherwise inevitably levy to penalize the business. Bank fees will be much higher when the bank knows your business is not receiving specialist help to combat their actions.

 

IBAS early advice on Personal Guarantees, Personal Guarantee debt claims, Bank Guarantees, Personal Bank Joint Guarantees, Personal guarantees and Indemnity, Personal Guarantees for SFLGS - prevents costly mistakes and even greater risk of losing the marital home from ill informed actions.

What does IBAS membership offer you?

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We introduced an 'in house' bank auditing service in the mid 1990's for bank interest checking and bank help in this specialized area as part of a broad range of services available from IBAS. We have unique specialist knowledge and experience gained from investigating corporate banking disputes and business banking account disputes and have also obtained considerable bank overcharge refunds (for our members direct benefit), whilst negotiating debt and security issues. Facts, evidence and knowledge together with good presentation are all equally important in establishing a valid complaint.

IBAS identify the correct focus for bank complaints and offer practical help and assistance in business banking dispute investigations and strategy based on past experience over many years. IBAS is totally independent. Our business banking archived information and experience gathered from 20 years ‘case work’ for members, provides you with unique, confidential, professional business banking advice and assistance. Those factors combined without any conflicts of interest means that IBAS can really make a difference for you in dealing with your bank.

Independent Banking Advisory Service (IBAS) is a national, independent, non-profit, unique specialist banking customer membership organization which resolves banking complaints and disputes and which has campaigned on UK Banking customer issues since 1992. We provide bank and business banking assessment, analysis, bank comment and content for BBC TV News, ITV, Radio and national newspapers.