IBAS celebrates its 20th Birthday in 2012. All the experience and knowledge gained by IBAS from a very large number of banking cases and investigations over that time together with our 'banking case work' - plus our ongoing research on existing and 'New' case law with continued positive links with the media is all used for our member's benefit and their advantage in progressing their cases. We share some very recent messages and observations from IBAS members regarding IBAS:

"I am really grateful to IBAS for the support and advice received over a personal guarantee I signed with HSBC. When the business went into administration in 2008,  I immediately sought legal advice with a local solicitor. After two years of legal correspondence, I received Court Papers claiming the full amount of the debt. The guarantee was joint and several with two other business partners and it was called upon for all three of us. After receiving the Court papers I realized I needed to receive more specific and expert advice. I found IBAS through an Internet search and after my case was accepted in Feb 2011, I was advised I did not have a defence and the most sensible option was for me to negotiate a payment with HSBC through IBAS. HSBC eventually accepted my final offer. My other two business partners both decided to go to Court - unfortunately losing their cases and receiving summary judgments. They are now both waiting for the judgment to be executed with the risk of HSBC enforcing the order with an order for a sale of their properties. Thank you IBAS for looking at my case so promptly and efficiently and for guiding me to make the right decision - however difficult it was." - SS

I discovered IBAS via a Google search for “personal guarantee advice”. Until this point I didn’t know that such an organization existed. At the same time I had also started talking to a number of solicitors about my position. The reason that I put my faith in IBAS was that it was clear they had extensive knowledge about PG’s. It seems to be a very specific area of law and whilst the solicitors were very gung ho it was clear they did not have as much specific expertise as IBAS. Since taking on my case IBAS have provided detailed, accurate and realistic advice. They are comfortable handling the various tactics deployed by the banks and provide strength and support during what can become a very stressful situation. I would probably have caved in or lost had IBAS not been handling my case. - MJ

Compare IBAS results

"Over the last couple of years, since my mortgage business went into Receivership along with so many others, I have been hounded by Lloyds TSB and their henchmen. This was in relation to a Personal Guarantee they state that I signed for a working overdraft with them. Their letters and telephone calls became incessant and finally the day came when I received a County Court summons in the sum of £54,000!

Whilst I knew that I had not signed any Personal Guarantee, and in fact had documentary evidence stating the overdraft was "unsecured", the County Court clock was ticking. Feeling very unsure of my next move and very vulnerable, I was recommended the services of IBAS by a close friend. I called them immediately and was blown away by the almost military discipline in which they dealt with my query. It was quite obvious to me that I needed these professionals in my corner and so I paid the membership fee immediately.

From then on I was marshaled into action and advised every step of the way. They were incredible. IBAS assisted me in supplying all my evidence to the Court and Lloyds TSB's claim has been struck out by the Judge as they did not bother to respond with any evidence. 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

After getting pressure from the bank to reduce exposure and dispose of assets while we were always up to date with payments and other commitments we felt we were out of our depth and had to rely on the bank telling us what, when and how to do things without us having a say. I contacted IBAS after searching the internet for a specialist in bank based issues I liked the fact the person who had started IBAS had had a bad experience with the banks and was willing to share his knowledge and experience with others. 

We found IBAS to be great support during our negotiations with the bank as they took a much harder line with them than we would have done on our own, and we also think the bank thought more about its response and actions more carefully knowing IBAS was monitoring our position very carefully and advising a step by step response to bank. Even after a finalized agreement was confirmed with the bank we found IBAS service to be a valuable addition to our business so had no hesitation in renewing our membership knowing they are there when needed and provide a professional service. As we all know its when not if the bank starts to pressure us again and we feel better having the support and banking knowledge of IBAS backing us. – DH

Both my wife and I would like to offer our gratitude for your services and professional manner in which you have represented us during this difficult period. – T&TJ

I feel lucky that I "found" IBAS via the web. I did not realize that there was an organization that would help me through the impact of liquidating my company and the resulting pressure the bank would have then applied in realizing the personal guarantee I gave as security on a business loan. - ST

I was aware of Eddy Weatherill having followed his comments for several years. When I started to have problems with HSBC I did not hesitate in contacting IBAS who have always explained things in a very matter of fact and easy to understand manner. On your website you advise against using ‘Local’ Accountants and Solicitors. This is very good advice as the activities of mine clearly proved. I am more than happy to support IBAS. - PF

A positive outcome - so many thanks for your attention and assistance – JT

Prior to contacting IBAS I was on prescribed antidepressants and my family was suffering and worried about losing our home. I was worried how my lender was going to apply pressure and I felt unable to cope. My son actually sourced IBAS through the internet having read about the services provided and suggested I speak to you - which I did. IBAS were very helpful - took on my case and took over matters for me with the lenders - BR

The following statement was posted online by a member:

"The fact that IBAS have the knowledge and provide assistance in formulating the strategy, which was provided to me under membership and which provided the necessary case law ammunition and support (letters continually making the correct points) to prevent the bank gaining the upper hand (preventing me making offers which I wanted to make, just to get this case against me closed, and which would have destroyed any defence) - that strength of position then also enabled me to 'face off' the bank's threat (although the bank/solicitors knew their claim was flawed) and this strength of resistance then forced them to discontinue their action - this is all a matter of fact and something which IBAS should be very pleased about." & "I understand that so many cases are lost before they start because under threats from the bank the customer provides an offer of payment - without understanding there may be a defence to the bank's claim. Having been induced to make that offer, the bank then goes for the jugular. Apparently I am one of a very small band of successful litigants, which I wouldn’t have been without IBAS behind me." 

An email to us will obtain our help and advice quickly - please tell us which bank is involved and the outline of the issues and what has already happened and we will respond to you. - email us

IBAS 2012 national newspaper comments (plus many more over many years in the News and archives sections of our site) - evidence that IBAS can be relied upon and has been in existence helping bank customers with business banking disputes and personal guarantees 'calls' and debt claim 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.