Independent Banking Advisory Service 

The Cruickshank Report

The Cruickshank Report identified UK bank overcharging on business bank accounts as a major problem. UK bank and banking experts IBAS provided the Cruickshank Banking Review investigation with specific bank and banking information provided from internal research on business bank and banking account investigations carried out by our internal UK business banking account audit team. We assisted the Cruickshank review team's understanding of UK bank overcharging and how Business bank overcharging was concealed.

It's natural you will want to know our 'pedigree' - visit UK Bank News 2009 for most recent Banking News and you will also find our national newspaper comments plus many more in the News and archives sections of our site - see our site map. IBAS has featured in BBC TV and ITV News items and programmes on banking and the banking issues many times since we were established in 1992.

The Cruickshank Banking Review and the Cruickshank Report confirmed that three quarters of UK businesses were at risk from bank overcharging or had been overcharged by their bank.

The Full Cruickshank Report brought a number of business banking issues 'into the open' for UK businesses and consumers. IBAS as independent specialist UK banking experts in business bank account investigation directly assisted the Cruickshank team with facts and evidence on overcharging of bank accounts - whereas the majority of 'banking experts' actually refused to assist Cruickshank with his enquiries of the banking industry. See the Bank of England Report of January 1998 regarding an IBAS Report and media attention on the content.

UK Business Banking disputes normally start with an error or mistake. Unfortunately, errors and mistakes may also be concealed. The majority of bank error and bank mistake identified by IBAS in business banking account investigations for UK Corporate and UK business banking accounts customers was considerably biased towards the bank.

Facts, evidence and knowledge together with presentation are equally important in establishing a valid complaint. We identify the correct focus and offer unique and expert specialist banking knowledge, practical help and assistance with business banking complaints or disputes.

What does IBAS membership offer you?

We provide our members with truly independent, experienced and impartial banking advice and direct assistance with their business and business banking - helping them avoid or overcome  business difficulties - email us for help.