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Established 1992


IBAS Business Bank, Banking Account Overcharge Service


IBAS are Independent Business banking account dispute investigation experts, we specialize in banking charging and banking contract evaluations and calculations.


Are you sure your bank is charging you correctly?


IBAS specialist investigation of the business banking charging structure against the banking contract is essential if a business is to fully recover what has been lost.




Banks and Bankers do not 'play fair'! IBAS can help protect you and your business from the bank's hostile intentions and actions.

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

Don't let your bank take control of your Business or your Business Banking Dispute - obtain direct practical help and experienced business assistance and tactical guidance from IBAS.


It is impossible to put experience and knowledge from almost 30 yrs of banking cases into a few web pages


email IBAS with your specific questions - we will explain what is possible.





August 2020 - 'Thanks for firstly remotely assessing my bank debt claim complaint/s and then saving me time and money by advising me exactly how to achieve a successful outcome, without solicitors being involved.

Your remote working and knowledge based systems are remarkable. IBAS has saved me many thousands of pounds by obtaining all the facts, then advising me 'safely' on an effective resolution (without wasteful or ineffective 'face to face' meetings in the current Covid 19 'climate'). Brilliant result all round and very safe and cost effective for me. Carry on your good work' - AS Testimonial






BBC Testimonial for IBAS - Your Money Not a moving account  




Information from those we have assisted since 1992 show that other ‘advisors’, solicitors & also the FOS carried out very limited or basic ‘checks’ on business banking complaints, particularly where business overdrafts, loans and mortgages were concerned.

It’s clear that ‘other advisors’ do provide advice and ‘outcomes’ without all the necessary facts.

It's also clear that not obtaining all required or necessary facts will then disadvantage or destroy the bank customer’s ‘case’.

'Basic checks’ will not identify customer defences, allow debt reduction or eliminate a debt being claimed.

IBAS standard practice since 1992 has been to investigate bank customer’s business banking account disputes in depth.



IBAS 'in house' bank auditing began in the mid 1990's and considerable bank interest overcharges and refunds have been reclaimed for our members with debt reduction and security issues negotiated.

IBAS business banking dispute negotiating experience and knowledge provides you and your business with a proven strategy if you are seeking to verify commercial bank loans, bank overdrafts or bank business mortgages for accuracy or to eliminate historic or current bank overcharging on your business bank accounts.

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 when we stopped counting.

IBAS has specialist knowledge from IBAS investigations into a large number of UK business banking account disputes since 1992 - no other organization has that experience or knowledge.

IBAS knowledge, ability and expertise can produce the best results for you or your business (just like GL and AT below)




An IBAS member wrote in: "We would like to thank you for your assistance in bringing the matter with the bank to a conclusion. It would have been far easier if we had known about your organisation in the first instance and the corner the bank backed us into would probably never have transpired.

We could not recommend strongly enough to anyone struggling with the overzealous banks how helpful IBAS have been. When we consider how the bank treated us when we hadn’t done anything wrong, never missed a payment and had good loan to value rates, I can only surmise how aggressive they must be to others.

Once again many thanks for the help IBAS have given us both over the past two years. In the nicest way we hope never to require your services again! "- GL Testimonial




'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 Testimonial




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: 11th May 2021