Independent Banking Advisory Service 

Established in 1992




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Independent Banking Advisory Service (IBAS) - launched in 1992 as a specialist unincorporated business banking membership organization assisting bank customers with UK business banking account loan disputes and business banking debt disputes with their bank. Our 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'.

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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


The Cruickshank Report - IBAS prepared and sent a report to the Treasury which evidenced interest overcharging of UK Business Banking customer's accounts by all major banks prior to Cruickshank's Report (2000) - the IBAS report was then sent onto Cruickshank's Review Team.

IBAS UK bank and banking experts provided the Cruickshank Banking Review investigation with specific bank and banking information. That information came from IBAS internal research on banks and business banking account investigations, carried out by IBAS's internal UK business banking account audit team.

IBAS assisted Cruickshank's review team's 'understanding' of how UK banks overcharged and also how UK Business bank overcharging was then concealed by banks. The majority of 'banking experts' refused to assist Cruickshank with his enquiries into the banking industry and were not prepared to evidence what they had claimed. As these 'banking experts' were commercial profit seeking entities we assumed their reticence was either due to their belief that banks would penalize them for doing so or their fear of the banks in general terms.

The Cruickshank Report identified UK bank overcharging on business bank accounts as being a major problem and confirmed that UK businesses were at risk from bank overcharging or had already been overcharged by their bank.

The Full Cruickshank Report brought  'into the open' a number of business banking issues for UK businesses and consumers. UK Business Banking disputes start with errors or mistakes which are often concealed by the bank. The majority of bank error and bank mistake identified by IBAS 'in-house' specialist business bank account interest audits and calculations in our business banking account investigations for UK Corporate and UK business banking accounts showed a heavy bias towards the bank's profits.

IBAS casework investigations identified that bank overcharges were concealed in business bank accounts on which the bank later demanded payment. Those overcharges had a detrimental impact on customer's assets and property and banks were obtaining property 'possessions' based on inaccurate and highly profitable excess interest charges being applied to accounts often 'unfairly' and outside any proper agreement.

Because IBAS were able to recognize and calculate business bank account overcharging, we were able to prevent property repossessions and cases of bank asset stripping. The knowledge provided by many bank overcharging 'cases' plus the ability to calculate and also prove bank overcharging has provided IBAS with an important 'tool' for all our case work. That 'tool' has also provided us with the ability to create defences and counterclaims for our members and made successful case resolutions possible.

IBAS had obtained in excess of £21 million in refunds, write-offs and write-down of bank debt from our investigations of UK Business Banking Disputes and that was at the time we 'stopped counting' (some years ago).