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 banking and bank account investigations carried out by IBAS's internal UK business banking account audit team. IBAS assisted the Cruickshank review team's understanding of how UK banks overcharged and how Business bank overcharging was then concealed.

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 guarantees debt claims and demands since 1992.

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?

The Cruickshank Banking Review and the Cruickshank Report confirmed at that time that UK businesses were at risk from bank overcharging or had alreday 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' refused to assist Cruickshank with enquiries into the banking industry. See Bank of England Report of January 1998 regarding the IBAS Report and media attention on the content.

UK Business Banking disputes normally start with an error or mistake and these 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 showed bias towards the bank.

IBAS identify the correct focus and offer unique and expert specialist banking knowledge, practical help and assistance with business banking complaints or disputes.

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 IBAS for help