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Independent Banking Advisory Service (IBAS) - Frequently Asked Questions

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 account/mortgage account and security disputes and business banking debt disputes. Our bank analysis and investigation of business bank loans, bank accounts, banking contracts, business banking account facilities and banking debt recovery information has been instrumental in our member's success.

Q.Specifically, what make IBAS different?

A. IBAS has 25 years of continuous business banking dispute investigations and negotiating knowledge which has been obtained from a very large number of business banking cases during IBAS 'banking case work'. IBAS 'case work' and extensive 'in house' research has often eliminated a bank's debt claim. IBAS continuous business banking dispute negotiating experience has also provided IBAS with a well tested, proven strategy for successful bank negotiations, bank defences and bank claims. IBAS case work has shown that Director's Personal Guarantee Bank debt claims and Business Banking Debt claims can also hide 'overcharged' accounts and 'overcharged' fees. Successful bank negotiations are considerably enhanced by IBAS business bank account investigation evidence and our previous experiences and research across all major banks. IBAS do not accept debt 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 performed prior to any negotiation with a bank.

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 which provides specialist business banking assistance with Business Banking disputes and it negotiates business banking debt disputes whilst providing direct help to businesses with business banking account issues and disputes. There is no other UK organization providing 'in depth', 'tailored' or specialist individual business banking advice and specific assistance to members.

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 can fully understand their own position. Advice is 'tailored' for each situation 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 and email 'links' are provided on every page of the IBAS web site.

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

A. Probably, the depth of IBAS specialist experience in investigating business banking dispute cases. IBAS uses knowledge of banking case law from negotiating with banks on a large volume of business banking disputes and that means IBAS specialist knowledge will identify possible defences and actions required when IBAS deal directly with the bank (if agreed) on your behalf - 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 in a dispute with Global Restructuring Group who have taken over from the commercial manager. Can you help us?

A. Yes. IBAS could assist with any Royal Bank of Scotland / Global Restructuring Group dispute or in fact any bank dispute. IBAS can also help in avoiding very heavy legal costs but IBAS membership is only offered by IBAS when we are confident that IBAS assistance will be of value and also that the 'case' has not already been compromised.

email us with your 'case' complete with full background information

Q. My friend has a Joint & Several Director's Personal Loan Guarantee debt claim from a bank and is worried about losing his home over it, are you able to help?

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 not only specialist advice but also direct assistance under IBAS membership.

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. We are a unique business membership help organization, which directly works for you and your business. We not only advise how best to deal with the business banking dispute or debt claim issues but also deal directly with the bank on those issues (if agreed) - 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?

A. Accountants are required by most businesses as a normality for general accountancy work and tax returns. IBAS are specialist in banking charging and contracts and IBAS specialist investigation of the charging structure against the banking contracts is essential if the business is to recover fully what has already been taken or lost to the bank. If the bank has intimated placing an account into 'recovery' or a 'specialized relationship unit' such an investigation may also provide 'negotiation' ammunition and may protect your business. As all charging investigations rely on the detail from the 'paperwork' a snapshot of one full charging period is required for IBAS to analyze and to then establish whether a full investigation is necessary.

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 debt from directors guarantees or debt for limited company guarantees is a large part of what IBAS does. Our work involves business banking debt claims issued against UK Business by UK banks and director's Personal Guarantees which secure those debts. After an IBAS investigation some bank claims 'stand up' to our scrutiny - many do not. If the business bank debt can be disputed after our investigations then IBAS will provide you that strategy.

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

A. It is unwise to use any 'local' accountant, solicitor or ex bank manager. IBAS is a totally independent specialist without any conflicts of interest. IBAS banking investigations have shown that many businesses have been misled by the 'professionals' they had trusted. IBAS specialist knowledge and experience is unique only to IBAS and is gathered from IBAS investigations into business banking account disputes and bank mistakes over many years and we use all our knowledge and experience in every 'case'. A fully prepared defence can be drafted with the correct arguments. IBAS know how best to obtain all information necessary for defence purposes to prevent escalation quickly to a legal debt claim and avoid costly legal fees.

Q. Does IBAS help business bank customers with bank litigation? 

A. IBAS aim is to provide good specialist advice and resolution before litigation if at all possible but if IBAS is involved immediately after demand for payment by a bank, our aim is to gain all information which we know is necessary to assess legal arguments against existing case law. IBAS can then lay the 'groundwork' for successful defences by first preserving any defences which may then exist and yes, we have assisted in many cases which have been won by our members after litigation in the County Court, High Court and the Court of Appeal. So, IBAS experience and knowledge may be extremely important in supporting any business banking customer in dispute with their bank. But also see information below:


Bank threats for successful SMEs and their owners/proprietors as identified in Hansard see: Hansard debate on Premier Motor Auctions at 11am . This is an 'ongoing' case for an IBAS member which has now reached the courts with a claim against both Lloyds and also PwC.

See Austin Mitchell's address from column 212WH to column 219WH which provides Keith Elliott's MP's concerns on conflicts of interest and which quotes IBAS views on our member's case.