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Business Banking - UK Business Bank Account Dispute Investigations

Updated 30th November 2023

IBAS 30 years continuous UK business banking disputes experience from investigations of business banking dispute cases provides expert specialist knowledge which can help UK business bank customers to defend or resolve banking debt claims.

Our experience is that 95% of business banking debt claims and overcharging cases we have seen over 30 years do not require legal assistance - provided they are advised by IBAS at Demand stage i.e. the first letter that the bank sends to you demanding their money back.

Bookmark this page - IBAS is a unique UK Independent Business Banking Resolution Service and is experienced in UK Business Banking matters including litigation assistance


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Cruickshank IBAS and UK Bank Overcharging


When IBAS is involved early we can quickly assess the position and often defuse the ongoing threat by providing the necessary advice to the business and provide draft responses to the bank on behalf of the business.


Often banking disputes escalate quickly because they are not dealt with correctly at an early stage


IBAS acts only for UK Business Banking customers

UK Business Banking Dispute Resolution is what we have been doing for 30 years

we are not funded by Banks and are completely independent investigators.


IBAS is unique with specialist knowledge and ability. Our analysts have logged patterns and strategies since 1992 to assist and advise business banking customers in resolving their complaints.

WG's Testimonial to IBAS said:

The 'peace of mind' was worth every penny of IBAS membership.

I am now 'free' from the bank personal guarantee debt claim.

We are totally indebted to IBAS for their expertise and absolute integrity in gaining that position.

Our resolution was incredible. We would recommend IBAS to anyone faced with a serious bank debt claim."


IBAS directly assists and advises business bank customers from demand stage onwards - so they can avoid the pitfalls which destroy defences leaving bank customers personal assets vulnerable to Bank and Lenders Litigation.


IBAS provides confidential and professional opportunity for success on business banking dispute issues, account queries, bank account disputes, company business banking debt claims, Directors personal guarantee debt claims and Director Mortgage/s secured on their personal property.


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By 2002 Independent Banking Advisory Service had already obtained in excess of £21 million in refunds, write-offs and write-down of bank debt for Business Banking customers from our successful investigations of UK Business Banking Disputes



IBAS has featured on BBC TV, BBC TV News, ITV News, Meridian TV and Sky TV News since 1992 and contributed banking editorials and business banking articles for Sunday Times, Times, Daily Mail, Daily Express, Telegraph and Daily Mirror.


BBC 1999 Testimonial for IBAS


Independent Banking Advisory Service (IBAS) - launched in 1992 as specialist UK Business Banking Dispute Resolution Experts assisting and advising UK Business Bank customers with UK business banking account overdraft, loan disputes and business banking debt disputes.