Because of the many investigations into overcharged business accounts we presented a report to the Rt Hon. Gordon Brown MP which was used in the Cruickshank Banking Review team's investigation. We also directly assisted the review team in their work and understanding of how bank overcharging took place and also how banks concealed interest overcharging, even after they had been challenged. The Cruickshank Final Report identified debit interest overcharging on business bank accounts as a major issue. The lack of transparency by lenders when faced with legitimate complaints was identified as a major factor within the industry. It is an issue which we have raised many times over the last 20 years.

You will find our 2012 national newspaper comments (plus many more over many years in the News and archives sections of our site) - these show that IBAS has been helping business bank customers with all banking disputes and Director's personal guarantee debt claims and personal guarantees demands since 1992. IBAS has also featured in BBC TV and ITV News items and programmes on UK banking and business banking issues since we were established in 1992.

The  Government's investigation into banking services and Cruickshank's Final Report in 2000 was damning on the banking industry but was 'watered down' by Government and not fully implemented. Our 'in house' bank auditing began in the mid 1990's - and considerable bank interest overcharges and refunds have been reclaimed for members with debt reduction and security issues negotiated.

Successful bank negotiations are enhanced by IBAS business bank account investigations and our previous research on all major banks. We are established in a unique niche position for negotiating specialist and specific issues with banks with complete confidentiality and without conflicts of interest. Investigation of Bank debt claims form Personal Guarantees, legal charges and/or other security is carried out prior to any negotiations with a bank or lender and we do not accept any debt claimed by a lender on 'face value'.

Considerable debt relief and refunds of bank overcharging and bank error has been obtained for members following our investigations into UK Business Banking Disputes since 1992 and over 20 years we have saved our members in excess of £21 million in refunds, write-offs and negotiated write-down of bank debt.

IBAS is the most experienced organization in this field with 20 years 'track record' in Banking cases and resolving Director's Personal Guarantee issues. Our aim is to provide the best professional and personal Banking and Personal Guarantee advice service to protect our members at a low and affordable annual membership. IBAS offers specialist and individual Banking and Personal Guarantee advice and assistance and will assess your personal position to establish how your banking dispute or Personal Guarantee may impact upon you and also your family. Our first action is always to protect your personal position and prevent it being compromised further, by any ill advised actions with regard to the banking dispute or Personal Guarantee you have already signed.

IBAS is totally independent. Our business banking archived information and experience gathered from 20 years ‘case work’ for members, provides you with unique, confidential, professional business banking advice and assistance. Those factors combined without conflicts of interest or threat to your business position, means that IBAS can really make a difference for you in dealing with your bank - email IBAS for help

Independent Banking Advisory Service (IBAS) is a national, independent, non-profit, unique specialist banking customer membership organization which resolves banking complaints and disputes and which has campaigned on UK Banking customer issues since 1992. We provide bank and banking assessment, analysis, bank comment and content for BBC TV News, ITV, Radio and national newspapers.