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From 30 years experience investigating UK Business Banking Debt Demand Claims for the Customers we have analysed how Business Banking Customers have lost to Banks without them really knowing why. 

Too many bank customers lose because they attempt to use reason but unfortunately do not have the basic 'tools' to understand how to Diminish, Defend and Defeat a Bank Demand. 

Too many bank customers lose because they admit to Bank demand debt claims which are not fully tested or proven. 

Bank Customers have 'lost' their homes to Banks because they lacked specific knowledge.

IBAS has specific factual knowledge and specialized experience and can guide you to what is possible and how it can be acheived.

TM in his testimonial for IBAS stated: 

"This is a battle that we have won, which could quite easily have 

been lost had I not joined IBAS. 

I would recommend them to absolutely everybody" - TM





Peter Done (Betfred and Peninsula) in an interview agrees with Sir Alex Ferguson (Manchester United) that businesses should keep control and make decisions - IBAS can help you with that when you are facing Business Banking Problems, account issues or Disputes (where Banks will take control when they are allowed to do so)


Make your best decision and contact IBAS now for our help - take the stress and personal animosity out of your banking matters.



IBAS aim is always to resolve a Business Banking Debt Claims before litigation and also to protect the business customer's assets - the FOS will not advise you on your complaint or help in any way to protect you.


We have saved many bank customers homes in the last 30 years - If we could show you how to save your home from a bank debt claim would you be interested?




IBAS obtained in excess of £21 million in refunds, write-offs and write-down of bank debt by 2002 from 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 the Sunday Times, Times, Daily Mail, Daily Express, Telegraph and Daily Mirror. 








Independent Banking Advisory Service (IBAS) - 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, business bank accounts, business banking contracts, business banking account facilities and business banking debt recovery information has been instrumental in our member's success.


Last Modified: 5th January 2022