Independent Banking Advisory Service 

Mortgage Shortfall Debt Claim Resolution

Mortgage Shortfall Debt Claim Dispute - IBAS resolve Mortgage Shortfall Debt claims and debt disputes following UK Home Repossessions and voluntary home repossessions. Many have banished financial debt burdens from Mortgage Shortfall Debt claims and then 'moved on' with their lives using IBAS and been able to leave the Mortgage Shortfall Debt claim, dispute and problem behind them.

Please note: Lenders will always recommend CCCS and PayPlan for free DMP's (Debt Management Plans) to their customer because they will always attempt to produce payments on the debt claimed - However, DMP's are merely 'management of the debt' which has or is being claimed by the lender it is not negotiating or questioning the legality of the debt or whether it should be paid - these are companies 'managing' your payments for a full debt collection on all debt claimed as being owed. If a DMP is entered into and accepted by the borrower all debts claimed will then continue to be 'chased' for payment - until they are fully repaid.

IBAS specializes in banking and lending debt problems. IBAS investigates Mortgage shortfall debt claims and disputes and negotiates them and we are familiar with lender's 'tactics' - we do provide DMP's. Frequently, IBAS involvement is sufficient for the lender to place legal proceedings 'on hold' to allow us time to investigate outstanding issues and seek an appropriate conclusion based on our findings.

You will find our 2012 national newspaper comments (plus many more over many years) in the News and archives sections of our site - these prove that IBAS can be relied upon and has been in existence helping bank customers with mortgage shortfall debt claims and personal guarantees demands since 1992. IBAS has also featured in BBC TV and ITV News items and programmes on UK banking and business banking issues many times since we were established in 1992. IBAS resolve mortgage shortfall debt claims under low cost, confidential membership and deal with the lender whilst working towards a solution for your benefit, reducing or removing the stress, anxiety and uncertainty.

IBAS Mortgage shortfall testimonials are here and further IBAS mortgage shortfall testimonials here

We view every case accepted for investigation on its own merits and we remain passionate about achieving the best settlement possible, based on the circumstances surrounding each individual case. We start work on each case immediately it is accepted under membership.

The shadow of the 1990’s still looms heavily over the heads of many who were unfortunate to have been caught up in the catastrophic decline in the UK property market but Lenders will continue to collect mortgage shortfall debts with increased pressure. The passage of time is beneficial to the lender as the customers financial position often improves. This financial improvement provides greater incentive to the lender in demanding higher settlement proposals for their debt claim later.

We understand the worry and pressure that a mortgage shortfall debt creates and we take care to ensure the whole settlement process is carried out with the minimum of stress. This is shown by our member's testimonials which may be accessed from this page.

IBAS provide truly independent help and is not funded by lenders
IBAS Membership can be paid by credit card or debit card only
IBAS do not charge a percentage of any settlements reached
IBAS membership has no extra or hidden costs

Our Mortgage Shortfall Claim membership is only £425.00

We resolve mortgage shortfall debt claims under low cost, confidential membership and deal with the lender whilst working towards a solution for your benefit, reducing or removing the stress, anxiety and uncertainty. It gives us immense pleasure to find 'flaws' in a lender's paperwork or the legal claim for a mortgage shortfall debt and the result can be spectacular for our member if that happens and the debt is then completely removed because of such flaws being found.

email IBAS for help and obtain direct assistance from a unique specialist organization which directly helps it's members.

Independent Banking Advisory Service (IBAS) is a national, independent, non-profit, unique specialist banking customer membership organization which resolves banking complaints and disputes and which has campaigned on UK Banking customer issues since 1992. We provide bank and business banking assessment, analysis, bank comment and content for BBC TV News, ITV, Radio and national newspapers.

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