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Established 1992

 

IBAS Business Banking information

 

Discover Secrets to eliminate anxiety and distress from UK Business Bank Debt Claims

Received Bank Personal Guarantee Debt Claim Demand?

 

Personal Guarantee Request a copy from Bank

Small Firms Loan Guarantee Schemes & EFGS

Cruickshank IBAS and Bank Overcharging

 

IBAS was the first in this field and remain the best.

 

IBAS website was launched in 1998 to help UK businesses with banking disputes.

 

BBC Testimonial for IBAS - Your Money Not a moving account  

 

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

 

UK Banking Litigation Report

UK Bank Litigation

UK Bank Customer's Class Actions and UK Bank litigation in 2014

 

IBAS Business and Banking articles - archived

 

PPI the Banking ‘Scam’ that became a Public Relations Disaster

2007 The Year that Reckless Bank Lending Made History

How did IBAS originate and why?

 

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

The thieves who cash in on our money (1999)

Perfect Partners in Business(1998)

Putting Banks Straight (written in 1994)

 

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The Bank’s Final letter for your business banking dispute complaint & business complaints to the Financial Ombudsman Service (FOS)

It is a fact that all banks spend considerable time and effort 'drafting' their Final response letter to the customer on complaints because they know that their Final Response letter is designed to persuade the Financial Ombudsman Service (FOS) to their position. By that time the bank’s customer services/complaints department will have already extracted all your information from you for their benefit by questioning you and then they will have dismissed your complaint/s.

Bank Final response letters are drafted and written by legally trained bank staff who are communicating with the FOS daily and are therefore completely aware of FOS decision making.

The Financial Ombudsman Service staff are aware that bank Final response letters are prepared by legally trained bank staff and the bank’s Final response letter will influence the FOS ‘investigator’.

Bank customers may believe their business banking dispute complaint/s will get a fair hearing by the FOS and from reading the FOS website may also be misled into believing that it is ‘easy’ to make a business banking complaint through the FOS.

However, banks possess very distinct advantages, which include legal knowledge, long experience of ‘complaint casework’ and know what is effective (for the bank). Banks also know how the FOS 'thinks' as they communicate regularly with the FOS by telephone.

The Financial Ombudsman Service do not calculate bank accounts to provide an independent calculation where they are required. The Financial Ombudsman Service will rely on bank methodology and bank calculations when dealing with a business banking account dispute.

The bank's Final letter allows you 6 months to make a complaint to the FOS.

 

see very poor 2019 - Trust Pilot Reviews for Financial Ombudsman Service

 


What will the Independent Banking Advisory Service (IBAS) provide you for your business banking dispute complaint which the Financial Ombudsman Service (FOS) will not?

IBAS will carry out fully independent investigations of business bank accounts based on the customers complaint and will provide fully independent calculations with a report which can then be relied upon to evidence incorrect charging, bank errors and overcharging.

Historical banking account errors/bank charging mistakes and bank overcharging claims evidenced by IBAS account investigations and calculations enable effective business banking account complaint progression. IBAS has been calculating business bank account and overcharging complaints since the mid 1990's

IBAS account investigations enhance the customer's complaint with substance to evidence bank charging errors to the customers advantage.

IBAS will investigate business banking disputes which IBAS 'take on' and progress for the customer.

IBAS reports can then be relied upon for any business banking dispute which IBAS has accepted.

IBAS investigate Director’s Bank Personal Guarantee dispute complaints and assess all other security documents held by the bank for lending purposes to establish the facts and historical positions. Specific advice on business banking account/s disputes and further actions required are provided by IBAS once our investigations conclude.

Information from those we have assisted since 1992 show that other ‘advisors’, solicitors & also the FOS carried out very limited or basic ‘checks’ on business banking complaints. Basic ‘checks’ cannot identify customer defences, allow debt reduction or eliminate a debt being claimed.

It’s clear that ‘other advisors’ provide advice and ‘outcomes’ without necessary facts. That disadvantages or destroys the customer’s ‘case’.

IBAS has a long established standard practice for investigating bank customer’s business banking account disputes in depth – other ‘advisors’ do not.

IBAS provides independent, confidential specialist business banking advice and direct guidance to UK Company Directors and UK companies requiring IBAS business bank and banking investigations for UK bank and business banking disputes and provides submissions to Regulators.

IBAS is unique and well established as a specialist Business Banking customer membership organization. Our experience has been gained from large numbers of UK business banking case dispute investigations and resolutions over 27 years.

After 27 years of investigating business banking cases we know nobody can claim they have a 'formula for guaranteed success' on business bank debt claims. But, knowing what can be achieved from IBAS strategies developed and finely tuned since 1992 - means that IBAS will provide you a much better and more effective chance of success.

 

email IBAS

 

you need IBAS to help you because:

 

IBAS has a long and established standard practice for reviewing and also investigating bank customer’s business banking account disputes. IBAS assessments, reviews and our investigations are carried out to a considerable depth – but, it is clear other ‘advisors’ do not do this.

 

IBAS was the first in this field and is the best.

 

Last modified: 24th January 2020