IBAS - Independent Banking Advisory Service 

 

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Director's Bank Personal Guarantee

 

 

 

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 IBAS - Independent Banking Advisory Service 

 

Frequently Asked UK Business Banking Dispute Questions and Answers

 

IBAS has 30 years continuous business banking dispute investigations and negotiations experience with UK lenders - providing professional, confidential guidance and direct assistance to UK businesses directors and proprietors.

 

 

In 2002 IBAS had already obtained in excess of £21 million in refunds, write-offs and write-down of bank debt from successful investigations of UK Business Banking Disputes and complaints since 1992.

 

 

 

There is no other organization or entity like IBAS - we are truly unique in what we do and how we do it.

 

The 'peace of mind' was worth every penny of IBAS membership.

I am now 'free' from the bank personal guarantee debt claim.

We are totally indebted to IBAS for their expertise and absolute integrity in gaining that position.

Our resolution was incredible. We would recommend IBAS to anyone faced with a serious bank debt claim." - From WG Testimonial

 

Diminish-Defend-Defeat-UK-Business-Banking-Debt-Demand-Claim

 

 

IBAS are totally independent specialist investigators for UK business banking disputes, bank debt claims, Directorʼs Bank Personal Guarantee and Business Mortgage Debt Claims.

The continuous, combined experience of UK banking case work and investigations since 1992 is used for those who are fortunate to be offered IBAS Membership on their business banking issue or dispute.

 

IBAS limit cases to accommodate a thorough and in depth investigation of all cases we accept for investigation.

 

IBAS Business Banking Dispute Membership benefits begin by IBAS assessing specific documents from business banking dispute enquiries (by email) before we decide IBAS membership is beneficial to the customer - so that we do not waste the business banking customer time or our resources.

 

 

If you truly believe you have a legitimate complaint against your lender in your business banking dispute or believe you have a defence to the bank's debt claim for a business banking account debt dispute contact IBAS - we know that IBAS knowledge and our banking information from current and historical case work is essential for your survival.

 

IBAS acts for UK Business Banking customers


IBAS aim is always to resolve a Business Banking Debt Claims before litigation and also to protect the business customer's assets.

 

We have saved many bank customers homes in the last 30 years

 

 

Email IBAS with your concerns and with documentation which you think helps your position.

 

 

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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.There are considerable cost benefits using IBAS for business banking disputes because IBAS examine case papers with a specialist and very experienced 'eye'. IBAS specialist knowledge and experience is unique. It's been gathered from the many IBAS investigations into business banking account disputes and bank mistakes over 30 years.

IBAS knowledge and experience is used in every 'case' we accept for investigation, so that a fully prepared defence or claim can be drafted with the correct arguments.

 

That means very costly solicitor's charges or expensive barristers are not necessary in 95% of our cases.

 

IBAS FAQs - will Instructing Solicitors work for you?

 

Solicitors are known as the GP's of the Legal profession.

If you knew you required brain surgery would you ask your GP to perform the operation?

Of course not.

However, most solicitors will take on a banking case regardless of their experience

because it will earn them fees.

Most solicitors spend 75% of their time on mainly domestic matters the largest of which is conveyancing.

Business Banking demands and claims by banks is not the place for solicitors lacking necessary experience or knowledge.

That leads to failure for the customer as well as the double charging once they involve barristers

 

IBAS support and involvement is essential immediately the Bank Demand has been received by the customer

 

IBAS early involvement can prevent Bank Litigation and escalation to a Bank's legal claim and judgment

 

 

email IBAS now with details of your dispute

 

 

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Testimonial

 

'Thanks for firstly remotely assessing my bank debt claim complaint/s and then saving me time and money by advising me exactly how to achieve a successful outcome, without solicitors being involved.

Your remote working and knowledge based systems are remarkable.

IBAS has saved me many thousands of pounds by obtaining all the facts, then advising me 'safely' on an effective resolution (without wasteful or ineffective 'face to face' meetings in the current Covid 19 'climate').

Brilliant result all round and very safe and cost effective for me.

Carry on your good work'

 

- AS Testimonial

 

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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.

 

 

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Q. Why is IBAS different from all other advisors?

 

A. IBAS has 30 years continuous business banking dispute investigations and negotiating experience and specialist banking knowledge and expertise gained from a large number of business banking debt dispute and demand claim cases.

 

IBAS 'case work' and extensive 'in house' research has often eliminated a business banking debt claim.

 

IBAS 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 also 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 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.

 

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TM in his IBAS testimonial said

 

This is a battle that we have won, which could quite easily have been lost had I not joined IBAS.

I would recommend them to absolutely everybody" - TM Testimonial

 

 

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

 

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

 

A. As a Director, Partner or Proprietor with a UK business banking dispute you will be seeking fully independent advice, guidance or help and expect knowledgeable banking experts with 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 and IBAS business banking investigations have been the ʻcorner stoneʼ in the many successful IBAS cases and resolutions since 1992.

IBAS are fully aware of how much information banks hold when they demand payment for business banking debt claims or directors personal guarantee debt claims - that knowledge was gained from the many meetings with Bank Debt Recovery teams.

IBAS are Business banking account dispute investigation experts - email us with your concerns and we can guide you.

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

 

A. Yes, IBAS is totally unique -

IBAS has 30 years 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.

 

 

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 is the key to our member's success in some almost miraculous settlements.

 

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

 

IBAS coaching and tactical guidance for dealing with Bank Debt Recovery Units is available for IBAS members.

 

 

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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.

 

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

 

A. It is the depth of IBAS specialist knowledge and greater banking experience from investigating business banking dispute cases for 30 years which provides IBAS members with better chances for success.

 

IBAS uses knowledge of banking case law from negotiating with banks on a large volume of business banking disputes and IBAS specialist knowledge will identify possible defences and provide a proven and 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".

 

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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. IBAS can assist with Royal Bank of Scotland / Global Restructuring Group - RBS-GRG disputes.

 

IBAS guidane means that you can avoid some very heavy legal costs.

 

IBAS membership is offered only when we are confident that IBAS assistance can add value.

 

 

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Q. My friend signed a joint & several PG but is no longer involved in the company - what can they do

 

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 and specific advice and also direct assistance which is tailored to your specific requirements.

 

 

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.

 

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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 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'.

 

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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 a 'specialized relationship unit' IBAS account investigations can provide specialist 'negotiation ammunition' to protect you and your business.

 

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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 Businesses by UK banks and also director's Personal Guarantees which secure those debts. After an IBAS investigation many bank claims fail.

 

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Q. My bank is demanding money from my Personal Guarantee for a Limited Company Debt. They seek almost £110k. My friends suggest I enter into a Debt Management Plan. I don't think it's owed. Can you help?

A. Debt Management Plans ( DMP's ) are arrangements to Pay your debts 'as claimed' through licensed Charities or companies who arrange DMPs many of which are directly funded from percentages paid by banks from the debts collected.

Once a DMP starts and payments are made the debt cannot be disputed because the debts have then been accepted. The debts claimed are not disputed or investigated in any way.

If you have any concerns whatsoever, regarding the debt being claimed by your bank - those concerns need to be properly investigated before any payment proposals are considered or offered

 

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IBAS has featured on BBC TV, BBC TV News, ITV News, Meridian TV and Sky TV News since 1992 and contributed banking editorials and business banking articles for the Sunday Times, Times, Daily Mail, Daily Express, Telegraph and Daily Mirror.

 

BBC Testimonial for IBAS -Your Money Not a moving account

 

 

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 disputes and business banking debt disputes with their bank.

 

Modified: 5th March 2022