IBAS know how banks and lenders operate when pursuing mortgage shortfall debt claims.

We know lenders have individual expectations from Mortgage Shortfall Debt Claims and whilst one lender may be reasonable others may not.

We know how lenders easily identify DIY ‘advice’ letters generated from websites and how they may use this ‘weakness’ to move quickly onto litigation.

There is a huge cost to individuals following poor and incorrect advice for mortgage shortfall debt claims - it could cost them their present home.

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.

One of our members wrote in: "After almost eight years we are finally free of this nightmare and have no fears of what the postman might bring. May we take this opportunity to express our thanks and appreciation for all the help and advice we have received."  - Testimonials

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You will find our 2012 national newspaper comments (plus many more over many years in the News and archives sections of our site) - these show that IBAS can be relied upon and has been in existence helping business bank customers with their mortgage shortfall debt claims and Director's personal guarantees 'calls' and 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

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 also provide bank and banking assessment, analysis, bank comment and content for BBC TV News, ITV, Radio and national newspapers.