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Established in 1992


Cruickshank IBAS and Bank Overcharging


Commercial Property Mortgages - IBAS has seen bank charging of commercial property mortgages where the bank has incorrectly charged interest and incorrect margins back to 2005. That may mean the bank has also involved 'Specialist' bank 'recovery' departments in inflicting Excess and Penalty interest on Commercial Property Mortgages - where they should not have done so - reducing company profits and business opportunity.

This is not just one bank and amounts are considerable.

The results of such bank conduct if left unchecked or unidentified - where the company trading is already reduced or under pressure will inevitably create a default.

That (in the circumstances outlined) would represent a 'False default' - 'created' by the bank.

Which can then create an insolvency situation for the Directors and Company, whilst the bank's conduct may go entirely unnoticed, despite property and assets being devalued and then 'lost' due to the bank.

At that stage, Director's personal guarantees to the bank will also be 'called upon'.

In our experience it is unwise to use any solicitor in the early stages of a business banking dispute or demand - as doing so will prove very expensive and also counter productive on costs, as solicitors being instructed in the early stages of a business bank debt claim or demand inevitably mean the bank will instruct their legal advisors immediately - which may provoke an early escalation to a legal debt claim, plus further costly legal fees.

There are considerable cost benefits for using IBAS in any business banking dispute. IBAS know how to obtain all information that is necessary from banks for defence and/or claim purposes and IBAS will examine case papers with a specialist and experienced 'eye' which may then prevent very costly solicitor's charges or the requirement for a barrister in 95% of cases.

IBAS experience has proved to be the deciding factor in effective and sometimes almost miraculous settlements for business banking customers.

If your business has been or was forced into Lloyds Bank Business Support Unit, Royal Bank of Scotland/NatWest bank/RBS Global Restructuring Group (GRG) unit or HSBC Specialized Lending Unit - we know how they operate and how false defaults are engineered - lawyers do not have that specific experience or IBAS knowledge from such cases.

It is also now documented that Mandatory referrals and transfers to such units were required by those banks and that any 'breakdown' of the customer relationship (whether engineered by the bank or not) was used to refer businesses to such units and that even the questioning of bank charging by the business was enough to 'trigger' the bank moving that business to what are effectively 'debt recovery units' and building up penalty fees and charging rates to drive up the debt then being claimed - so contact IBAS with your case details and let us know whether your company is still trading - or been forced into insolvency by the bank.

Business Support Units, Specialized Lending or Specialist Relationship Managers are all terms used by the banks for those brought in to 'rip off' businesses by forcing or 'triggering defaults' - forcing businesses into insolvency situations where the bank could then plunder the cash flow and assets.



Drop IBAS  an email and we will explain what can be done.


Banks and Bankers do not 'play fair'! IBAS protects you from the bank's often hostile intentions and actions.

Banks produce documents they will rely on for their legal claim on you - it's vital to know which documents they will hide.



'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



IBAS website was launched in 1998 to help UK businesses with banking disputes.


BBC Testimonial for IBAS - Your Money Not a moving account  




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




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

IBAS UK bank and banking experts then provided the Cruickshank Banking Review investigation with specific bank charging and banking strategy information.

That information came from IBAS investigations and our internal research on banks and business banking accounts which were carried out by IBAS's internal UK business banking account audit team.

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 at the time we 'stopped counting'.

IBAS assisted Cruickshank's review team's 'understanding' of how UK banks overcharged and also how that UK Business bank overcharging was 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 due to their belief that banks would penalize them for doing so or that they feared that 'exposure'.

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 not only inaccurate but also highly profitable excess interest charges being applied to accounts 'unfairly' and outside any proper agreement.

Profiteering by banks has been documented recently by BBC and others in highlighting 'specialist' banking units set up specifically to profit from business distress - but that behavior has been evident at IBAS for more than the last decade with little being done to prevent it by Regulators or Government who both turned a blind eye to suggestions that the UK Banking Industry was plundering Businesses and their personal assets.

Because IBAS were able to recognize and calculate business bank account overcharging, we have been 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 a defence and counterclaim for our members and made successful case resolution/s possible.

Last modified: 24th January 2020