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Independent Banking Advisory Service (IBAS) - Frequently Asked Questions


Independent Banking Advisory Service (IBAS) - IBAS was established in 1992 as a specialist business banking membership organization assisting bank customers with UK business banking account/loan account/mortgage account and bank 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.

We believe IBAS is the most economical and professional, advice and direct assistance organisation available for UK Business banking problems and disputes. IBAS experience has proved to be the deciding factor in effective and sometimes almost miraculous settlements for business banking customers.

IBAS has specialist knowledge from IBAS investigations into UK business banking account disputes since 1992 - no other organization has IBAS experience or IBAS knowledge, which provides IBAS with 'extra' width of knowledge for our investigations in assessing how to produce the best results - that provides you with extra 'options' for your business banking dispute or bank personal guarantee debt claim demands.



Telephone (office hours only) on 01487 843444 for confidential conversation


Knowing what can be achieved from IBAS strategies developed and finely tuned since 1992 means that IBAS can provide effective, professional assistance with your defence or claim.

Q.Specifically, what make IBAS different?

A. IBAS has 26 years of continuous business banking dispute investigations and negotiating experience and specialist knowledge obtained from a very large number of business banking debt dispute claims and cases. IBAS 'case work' and extensive 'in house' research has often eliminated a banking 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 any debt claimed by a lender on it's '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.

Testimonial: "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


See sample of IBAS Testimonials


IBAS experience and our knowledge of Business Banking disputes since 1992 will be extremely important in supporting any business banking customer in dispute with their 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, providing direct help to businesses with business banking account issues and disputes. There is no other UK organization providing specialist individual business banking advice and specific assistance to members. IBAS knowledge has been collated from thousands of business banking cases which provides the ʻback-upʼ information for IBAS to assess what will produce the best results.

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. 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 'professionals' they had previously trusted.

Also, is unwise to use any solicitor in the early stages of a bank demand - as doing so will not only prove very expensive but also counter productive on costs as solicitors being instructed in the early stages of a business bank debt claim or demand inevitably mean the bank will instruct their legal advisors immediately - which can then provoke an early escalation to a legal debt claim plus costly legal fees.

There are considerable cost benefits in using IBAS in the early stages of 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 a barrister in 95% of cases we have seen.

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 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. The depth of IBAS specialist knowledge and long 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 - 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 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 add value.

email IBAS for our assistance

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.

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 with you and your business. We not only advise how best to deal with the business banking dispute or debt claim issues 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?

A. Accountants are required by most businesses as a normality for general accountancy work and tax returns. IBAS are specialist in banking charging and banking contracts and 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. Also, if the bank has intimated placing your account into 'recovery' or 'specialized relationship unit' IBAS account investigation/s may also provide 'negotiation' ammunition and protect 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 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 investigationmany bank claims do not 'stand up' to our scrutiny. If the business bank debt can be disputed after our investigations then IBAS will provide you with the strategy.




IBAS has featured on BBC TV, BBC TV News, ITV, Meridian and Sky News and contributed to many editorials and articles including those for the Sunday Times, Times, Daily Mail, Daily Express, Telegraph and Daily Mirror.

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


Independent Banking Advisory Service (IBAS) - IBAS was established in 1992 as a specialist 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.


Last modified: 11th November 2018