Established 1992


Independent Banking Advisory Service (IBAS) - Frequently Asked Banking Dispute Questions and Answers


Why use the Independent Banking Advisory Service (IBAS) for your Business Banking Dispute?


Unique IBAS Benefits


As a Director, Partner or Proprietor with a UK business banking dispute or business banking debt claim you will have already received 'conflicted' advice maybe from the bank,

Insolvency professionals or solicitors and you may be very confused and now be seeking fully independent advice, guidance or help.

IBAS will know from many years experience how best your dispute may be 'handled' and we offer ʻvalue for money services.

IBAS investigations and investigatory experience with audits and interest overcharging has led to many bank claims being considerably reduced or completely dropped.


see: Business Bank Overcharge/s


IBAS was established in 1992 and is totally independent. IBAS business banking investigations have been the foundation for the many successful IBAS cases and resolutions since 1992.



Directors UK Bank Personal Guarantee Debt Claim Demands and the IBAS Christmas Warning Post

Christmas 2019 is fast approaching and Banks will use their normal 'holiday' strategy on legal claims.

  • That means they will be already preparing their Christmas legal claims.
  • Many are prepared deliberately to drop through your letterbox just before 'close of business' on Christmas Eve.
  • Getting 'advice' for a Director's Personal Guarantee Debt Claim around Christmas and New Year is extremely difficult.
  • Banks know that - whilst they have easy access to solicitors at all times their customers will not.
  • Between Christmas Eve 2019 and 2nd or 3rd January 2020 is a normal holiday period for most in the UK.
  • Therefore, good strategy (although extremely unfair) for banks to issue a claim ready for 'service' on Christmas Eve.
  • The 'service' on you will be deliberately timed for maximum effect for the bank's benefit.
  • The legal clock starts ticking once a claim is 'served' which puts the customer under extreme 'time' pressure.

Losing 10 days in the Christmas - New Year period doesn't help those with legal claims obtain help.

  • Banks know that customers will be forced to react - which means many customers will also attempt a DIY response.
  • Banks love DIY responses, as they know they will normally lead to the bank obtaining an 'easy judgement'.


  • The customer just doesn't react at all and judgement is obtained by the bank by default.
  • DIY responses miss possible defences which are effective legal arguments to avoid 'strike out'.
  • We would suggest that anyone with a bank claim 'lurking' against them - obtains help.
  • Do not  get 'rushed' into answering a bank's legal claim without any help at Christmas.

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.




IBAS was the first in this field and remain the best.

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.

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

(see BBC Testimonial for IBAS in 1999) at:

Your Money Not a moving account  - BBC 22/07/99



See our Blog



The Bank’s Final letter for your business banking dispute complaint & business complaints to the Financial Ombudsman Service (FOS)

It is a fact that all banks spend considerable time and effort 'drafting' their Final response letter to the customer on complaints because they know that their Final Response letter is designed to persuade the Financial Ombudsman Service (FOS) to their position. By that time the bank’s customer services/complaints department will have already extracted all your information from you for their benefit by questioning you and then they will have dismissed your complaint/s.

Bank Final response letters are drafted and written by legally trained bank staff who are communicating with the FOS daily and are therefore completely aware of FOS decision making.

The Financial Ombudsman Service staff are aware that bank Final response letters are prepared by legally trained bank staff and the bank’s Final response letter will influence the FOS ‘investigator’.

Bank customers may believe their business banking dispute complaint/s will get a fair hearing by the FOS and from reading the FOS website may also be misled into believing that it is ‘easy’ to make a business banking complaint through the FOS.

However, banks possess very distinct advantages, which include legal knowledge, long experience of ‘complaint casework’ and know what is effective (for the bank). Banks also know how the FOS 'thinks' as they communicate regularly with the FOS by telephone.

The Financial Ombudsman Service do not calculate bank accounts to provide an independent calculation where they are required. The Financial Ombudsman Service will rely on bank methodology and bank calculations when dealing with a business banking account dispute.

The bank's Final letter allows you 6 months to make a complaint to the FOS.

see very poor 2019 - Trust Pilot Reviews for Financial Ombudsman Service

What will the Independent Banking Advisory Service (IBAS) provide you for your business banking dispute complaint which the Financial Ombudsman Service (FOS) will not?

IBAS will carry out fully independent investigations of business bank accounts based on the customers complaint and will provide fully independent calculations with a report which can then be relied upon to evidence incorrect charging, bank errors and overcharging.

Historical banking account errors/bank charging mistakes and bank overcharging claims evidenced by IBAS account investigations and calculations enable effective business banking account complaint progression. IBAS has been calculating business bank account and overcharging complaints since the mid 1990's

IBAS account investigations enhance the customer's complaint with substance to evidence bank charging errors to the customers advantage.

IBAS will investigate business banking disputes which IBAS 'take on' and progress for the customer.

IBAS reports can then be relied upon for any business banking dispute which IBAS has accepted.

IBAS investigate Director’s Bank Personal Guarantee dispute complaints and assess all other security documents held by the bank for lending purposes to establish the facts and historical positions. Specific advice on business banking account/s disputes and further actions required are provided by IBAS once our investigations conclude.

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. Basic ‘checks’ cannot identify customer defences, allow debt reduction or eliminate a debt being claimed.

It’s clear that ‘other advisors’ provide advice and ‘outcomes’ without necessary facts. That disadvantages or destroys the customer’s ‘case’. IBAS has a long established standard practice for investigating bank customer’s business banking account disputes in depthother ‘advisors’ do not do so.


Email IBAS



We know that communicating with someone who fully understands what you are going through is your first step to getting a good night's sleep. But, communicating with someone who has dealt with a great many cases like yours is even better so don't waste time putting off dealing with it - act now - email IBAS from the link below and tell us about your demand.

Personal Guarantees on Bank Business Debts or business banking debts or disputes for Limited Companies allow the bank to claim a debt is owed personally by the personal guarantor if the business fails or the Limited company cannot pay the debts claimed on the bank's demand. It is not enough for a personal guarantor to resign from the company and even if a company director resigns that may not protect them from a bank claim on their personal guarantee for debts owed by the business whilst they were directors or partners. If you need to have a release/discharge/end/finalize or 'determine' a personal guarantee you will require specific advice to make sure the Personal Guarantee is no longer 'relied upon' by the bank.


Q. Why is IBAS different from all other advisors?


see: Unique IBAS Benefits

A. IBAS has continuous business banking dispute investigations and negotiating experience and specialist banking knowledge and expertise gained since 1992 from a large number of business banking debt dispute and demand claim cases. IBAS 'case work' and extensive 'in house' research has often eliminated the business banking debt claim. IBAS continuous business banking dispute negotiating experience has also provided IBAS with a proven strategy for successful bank negotiations, bank defences and bank claims.

IBAS case work investigations show that Director's Personal Guarantee Bank debt claims and Business Banking Debt claims can hide unfair 'overcharged' accounts and 'overcharged' fees. IBAS successful bank negotiations have been considerably enhanced by IBAS 'in house' business bank account investigations which have provided us with research and evidence on all major banks.

IBAS do not accept debts claimed by a lender on 'face value' and IBAS investigation of Banking debt claims for companies, Director's Personal Guarantees, Company legal charges and security are always carried out prior to any negotiation with a bank or lender.

IBAS is an economic, professional, confidential guidance and direct assistance organisation available for UK Business banking problems and disputes and IBAS is an organisation which can help you with bank litigation.

An IBAS member wrote in: "Just for information we have recently reduced the balance outstanding to the bank and now have a better relationship with a new manager who many times, has apologised for the actions of others that have gone before him. 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

Q. Why use the Independent Banking Advisory Service (IBAS) for your Business Banking Dispute?

A. You may be a Director, Partner or Proprietor with a UK business banking dispute seeking fully independent advice, guidance or help and expect knowledgeable banking experts with effective experience, who will know from their experience how best they can deal with your banking dispute at a ʻvalue for moneyʼ cost. IBAS established in 1992 and is totally independent.

IBAS business banking investigations have been the ʻcorner stoneʼ in the many successful IBAS cases and resolutions since 1992 and from the many meetings with Bank Debt Recovery teams we are fully aware of how much information banks hold when they demand payment for business banking debt claims or directorʼs personal guarantee debt claims. IBAS are Business banking account dispute investigation experts - email us with your concerns and we can guide you.


Q.What is IBAS? and is it really unique?


A. Yes, IBAS is totally unique - the Independent Banking Advisory Service is a National, non-profit making, UK business banking customer membership organization providing independent and specialist business banking assistance for Business Banking disputes and IBAS negotiates business banking debt disputes by providing direct help to businesses with business banking account issues and disputes.

IBAS has 27 years of continuous business banking dispute investigations and negotiations experience with all major UK lenders and we provide professional, confidential guidance and direct assistance to directors and proprietors who initially email us their business banking dispute/s information.

IBAS has acquired specialist business banking knowledge from the many IBAS investigations of UK business banking account disputes since 1992. Our investigations have provided us with experience and depth of knowledge which no other organization 'acting' for business banking customers can match.

IBAS business banking account investigations experience, our expertise in analysis of business bank loans, business bank current accounts, business banking contracts, business banking account facilities plus IBAS knowledge of business banking debt recovery strategy has provided expertise to business customers utilizing our specialist banking knowledge. That is often the key to our member's success and instrumental in some almost miraculous settlements for IBAS members.

There is no other non - profit UK organization providing independent and specialist individual business banking advice and specific assistance to members.

IBAS business banking dispute knowledge and negotiating experience also provides IBAS members with a proven strategy for business banking claims and can provide defences to business banking debt claims.

Plus: Because IBAS is a not for profit membership organization we provide our members with full value on business banking compensation and bank overcharging disputes which are paid directly to our members.

However, if you really want to pay "a cut of any saving on your Personal Guarantee Debt Claim or Business Banking Debt claim" (sometimes 25% or more) there are a number of 'claims management companies' advertising as 'personal guarantee advisors or PG companies' - and they are generally introduced to business banking customers by insolvency professionals or fee earners for an introducer's fee.

Q. My solicitor has been dealing with my bank for years, he knows the bank well, wouldn't it be better for him to deal with my business banking dispute?

A. IBAS is a totally independent specialist without any 'business' conflicts of interest and IBAS banking investigations have shown that many businesses have been misled in bank claims for business banking debts demands by the same 'professionals' and 'fee earners' they had previously trusted.

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

IBAS specialist knowledge and experience is unique and gathered from IBAS investigations into business banking account disputes and bank mistakes since 1992. We use all our knowledge and experience in every 'case'. A fully prepared defence or claim can be drafted with the correct arguments

Q. I have a Director's Loan Debt and Director's Personal Guarantee debt from a Business - how can IBAS help me?

A. IBAS guide members with their case so they fully understand their position. Advice is 'tailored' using a strategy evolved from our experience over many years. IBAS is the only non - profit organization of it's kind in the UK operating in this very specialist area. Each case is different and an email to IBAS will ascertain best how we can help you - email 'links' are provided on our web site.

Q. What is the major difference between IBAS and any other advice organization?

A. The depth of IBAS specialist knowledge and greater banking experience from investigating business banking dispute cases provides IBAS members with better chances for your success. IBAS uses knowledge of banking case law from negotiating with banks on a large volume of business banking disputes - which means IBAS specialist knowledge will identify possible defences and actions with a proven successful strategy.

As a member wrote in: "What benefited us the most was your concise & well thought out advice, very good knowledge/experience of how the banks work, prompt responses and sensible/pragmatic approach".

Q. We are involved with Royal Bank of Scotland (RBS) in a dispute with Global Restructuring Group (GRG) who have taken over from the commercial manager. Can you help us?

A. Yes. IBAS assist with Royal Bank of Scotland / Global Restructuring Group - RBS-GRG disputes or any bank dispute. IBAS guidane means you can avoid some very heavy legal costs. IBAS membership is offered when we are confident that IBAS assistance can add value. see:RBS-GRG-NatWest-GRG-Dispute

A. Joint and Several Director's Personal Guarantees debt claims can impact on personal assets and also on the personal or marital home as they are often the largest asset. Therefore, your friend requires very specialist help and advice on his 'case'. IBAS can provide specialist advice and also direct assistance. see: Comparison On Joint & Several Personal Guarantees

Personal Guarantees on Bank Business Debts or business banking debts or disputes for Limited Companies allow the bank to claim a debt is owed personally by the personal guarantor if the business fails or the Limited company cannot pay the debts claimed on the bank's demand. It is not enough for a director or personal guarantor to resign from the company and even if a company director resigns that may not protect them from a bank claim on their personal guarantee for debts owed by the business whilst they were directors or partners. If you require to release/discharge/end/finalize or 'determine' a personal guarantee you will require specific advice to make sure the Personal Guarantee is no longer 'relied upon' by the bank.

Q. I've looked at business web sites seeking banking help with my business because my bank is difficult - although my business is well established. I feel the bank is taking advantage of both me and my lack of knowledge and also my time because I run my own business. I feel somewhat harassed by the bank's treatment and their motivation. What do IBAS do?- Also how can IBAS help me run my business effectively?

A. IBAS is a unique business banking customer membership help and assistance organization, which directly works with you and your business. We will advise you how best to deal with the business banking dispute or bank debt claim issue/s but can deal directly with the bank - so that your business can run smoothly without constant bank 'bullying'.

Q. Why does my business need IBAS to know if we are being overcharged when I employ accountants to audit my business? See: Business Bank Overcharge/s

A. Accountants are required by businesses as a normality for general accountancy work and tax returns. IBAS are Business banking account dispute investigation experts and specialist in banking charging and banking contracts. IBAS specialist investigation of the business banking charging structure against the banking contracts is essential if the business is to recover fully what has been taken by a bank.

If the bank has intimated placing your account into 'recovery' or 'specialized relationship unit' IBAS account investigations may then also provide specialist 'negotiation ammunition' to protect you and your business.

Q. My bank is asking me to pay them £55,000 for a debt they claim my business owes them. I don't think it's owed. Can you help?

A. Business Banking help and advice for director's personal guarantee debt or debt for limited company guarantees is a large part of what IBAS investigate. We assess and investigate UK business banking debt claims issued against UK Business by UK banks and director's Personal Guarantees which secure those debts. After an IBAS investigation many bank claims do not 'stand up' to our scrutiny.


Email IBAS


Last modified: 16th November 2019