Independent Banking Advisory Service 

Business Banking, Small Business Banking solutions

Business Banking and Small Business banking solutions - Whatever your business banking problem, issue or dispute, no matter how complex, we will have investigated and negotiated similar cases since 1992. The first step is for us to understand how best we can assist you and that can best be done by emailing us with your specific problem.

During the last year we investigated, advised and negotiated banking matters, issues and allegations including:

Business banking loan account - double charging.

Bank pressuring businesses for more assets, lower borrowings, higher personal guarantees and further personal guarantees secured on family homes.

Intense and often aggressive pressure from bankers to reduce business borrowings / provide more business assets or pressure to factor with a bank factoring company.

Personal guarantee demands by bank for bank overdraft/loan facilities, many years after business directorship and involvement  in company ceased.

Personal Guarantee reviews to assess existing Personal Guarantee/s position - ascertain whether action needs to be taken and how.

Banks demanding greater security for company borrowings but also reducing their lending at the same time.

Business current account bank overcharging of interest and business current account bank - overcharging for double debits and fees.  

Overcharging debit interest on business banking current account/ loan/ guarantee/ mortgage.

Bank breaching contracts with their business customers.

Business banking current accounts/ mortgages/ loans being moved from branch to debt recovery department / specialized lending unit / business support unit / business recovery support unit and normal banking relationship ending.

Bank forgery of security documents.

Banker's misrepresentations, whilst obtaining further security.

SWAPS interest rate transfers - misrepresentations/miss-selling.

Tracing of ‘lost’ business bank accounts, moved and then ‘lost’ in an offshore bank.

Bank lending using both undervalued and overvalued property.

Cheque and BACS payments by bank branches without authority.

Bank paying outside company mandate for business account/s.

SFLGS Business Failures - We have provided pre-litigation assistance on issues ranging from company loss, bank mistake, security taking, debenture taking and debenture registration and the taking of and 'calling up' of associated bank personal guarantees.

Unauthorized withdrawals and Proven thefts from company bank accounts by company employees and associated money laundering – We have provided analysis, investigated and collated evidence in order to calculate loss for a claim to be made in these cases.

We help our members avoid or overcome  business difficulties and provide them with truly independent, impartial banking advice and direct assistance with their business and their business banking.

IBAS FAQ page is useful for understanding issues on which we help members.

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