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Personal Guarantee, Personal Guarantees - Demand for Payment


IBAS is completely independent.


IBAS investigate Directors Personal Guarantee Disputes and Debt Claims and can help

defend banks legal claim on directors personal guarantee debt claim - avoid personal guarantee judgment



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.




IBAS can help you to control a bank claim whilst also investigating all the issues. - Contact IBAS now


IBAS provides professional confidential advice and the best opportunity for success on Bank Debt Claims.


IBAS provides direct practical help and experienced business assistance to our members in their Business Banking Disputes


I want to thank you from the bottom of my heart

You have achieved more in two letters and less than 1000

than a posse of high ranking big charging solicitors have in over three years

I thank God for that Google search that brought us in touch

and I thank God for IBAS

- Testimonial from JE - PG Debt Claim of over 500k


TM stated


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





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


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



There are considerable cost benefits in using IBAS in a business banking dispute


Directors Personal Guarantee Debt Claim Demand - If you have been asked to pay a demand because the bank forced your business to close or the bank removed the business account lending you will require specialist independent guidance to determine if the Director Personal Guarantees you signed before those events can be contested against the bank claim on you.


Are you sure of the validity of the Debt claimed and the legal enforceability of the Bank Claim?



Banks and Bankers do not play fair


IBAS protects our members from the often hostile intentions and actions of their bank.


Banks produce documents they will rely on for their legal claim on you


It is essential to know which documents they will hide.





'I found IBAS to be Impressive & professional with no nonsense.

I followed IBAS strategy totally and the result was spectacular.

Thanks for putting my life back on track and saving me a bucket load of money.

I cannot thank you enough.

I would now start with IBAS and ignore all the others who are 'selling' an imitation of these guys but without IBAS knowledge!

- AT Testimonial




IBAS can help you to control a bank claim whilst also investigating all the issues. - Contact IBAS now


A personal guarantee is an agreement made between an individual or individuals which means that if they act as a business director they then take a level of responsibility for their company's debts in the event that they cannot be paid back by the business or company itself. If a claim is made under the personal guarantee, the director will be liable to pay the company's or businesses debt and the partner, proprietor or company directors' personal assets may be at risk as they become liable for the relevant business debt that is covered by the guarantee.

IBAS has specialist knowledge from IBAS investigations into UK business banking account disputes since 1992 - no other business 'help' organization has IBAS experience or knowledge to produce the best results for you in contesting a bank Director's personal guarantee debt claim demand or business banking debt claim.


If your business was forced into Lloyds Bank Business Support Unit, Royal Bank of Scotland/NatWest bank/RBS Global Restructuring Group (GRG) unit or HSBC Specialized Lending Unit - we know how they operate and how false defaults are engineered - lawyers do not have that specific experience or IBAS knowledge from such cases.


It is also now documented that Mandatory referrals and transfers to such units were required by those banks and that any 'breakdown' of the customer relationship (whether engineered by the bank or not) was used to refer businesses to such units and that even the questioning of bank charging by the business was enough to 'trigger' the bank moving that business to what are effectively 'debt recovery units' and building up penalty fees and charging rates to drive up the debt then being claimed


Business Support Units, Specialized Lending or Specialist Relationship Managers are all terms used by the banks for those individuals specifically employed by the bank to 'rip off' businesses by forcing or 'triggering defaults' - which forced businesses into insolvency situations, where the bank could then plunder the cash flow and assets and then having brought the business to it's knees 'follow on' to demands and then enforce on Director's Personal Guarantees to take their homes.


You may be a Director, Partner or Proprietor with a UK business banking dispute and seeking fully independent advice, guidance or help and expect knowledgeable banking experts with effective experience, who will know from their experience how best they can deal with your banking dispute at a ʻvalue for moneyʼ cost.


IBAS business banking investigations have been the ʻcorner stoneʼ for the many successful IBAS cases and resolutions from our ʻcase workʼ over many years.


IBAS's many meetings with Bank Debt Recovery teams evidenced how much 'personal' information banks hold when they demand payment for business banking debt claims or directorʼs personal guarantee debt claims.


Our first priority in any business banking ʻcaseʼ is to obtain all information from a bank which is necessary to determine the strength of the bankʼs claim on the customer. A personal guarantee may also be ʻsupportedʼ by a bank mortgage on an individualʼs personal property which may be either jointly held as security with others or severally held.


We have found from experience that early ʻpaperworkʼ available in many cases for an assessment is limited, as business owners, directors or partners do not have copies of important documentation on which we know the bank will rely.

We have also found that business bank customer in business difficulties talk to their bank, thinking that it must relieve pressure on them but without the awareness that their call will be recorded and may then also trigger default for borrowings.

Those in business banking disputes are also rarely aware of how the banking debt recovery system operates or how devious bank recovery officers can be in seeking their first priority - a proposal for payment of the debt - regardless of the customerʼs dispute.


That is why we would never suggest that any business customer in dispute with the bank telephones the Bank to ʻdiscussʼ any matter.


talk to IBAS or email us with your debt claim and we can guide you.




IBAS provides experienced specialist and practical advice on how best to deal with and control the bank activities after demand of the debt has been made on a Directors Personal Guarantee.


What can you do and how best to do it? Can you get out of the personal guarantee - is it possible to do so? Can you dilute your directors personal liability under a bank director personal guarantee debt demand?


Those questions have been asked many times where IBAS investigate bankers and bank actions.


IBAS is the only UK non profit organization which provides business banking customers with specialist business banking assistance and specialist business banking guidance and also specialist business banking investigations.


IBAS members are guided on all matters which may be raised in the course of their membership such as: Bankruptcy, Codes of Conduct issues, Company borrowings - which are now threatening the business owners home, Bank enforcing bank demands, Joint and Several Liability debts and Guarantees - how will that alter individual claims, penalty or overcharged interest, Charging Orders, Orders for Sale, Payment obtained from property equity, Full & Final settlements, phased payments and many others.


It is a normality that many of our members will have homes on which the bank can prove some available equity. The bank will know they can by their actions leverage to obtain payment of their debt claim/s.

(i.e. by obtaining a charging order or an order for sale).


IBAS investigations centre on the facts with which we can best protect our member and their homes.



Received a bank director's personal guarantee debt claim demand - Contact IBAS now


We know that bank debt recovery departments prey on customer fears

they know that customers do not act logically if put under direct personal pressure.

That means bank recovery bullying tactics work very well to get what they want

- which is a quick payment proposal or offer to pay.


Therefore avoid the bank trap and DO NOT telephone the bank


IBAS can help you to control a bank claim whilst also investigating all the issues. - Contact IBAS now


The first question in your mind when you receive a demand on your personal guarantee will probably be - is the personal guarantee valid?


or can this personal guarantee be contested in any way - if so how?


IBAS investigation focus on obtaining evidence to properly investigate the lending but also the circumstances around the taking of all security by the bank.


IBAS lay the 'groundwork' for successful defences or banking claims by first preserving defences which exist and yes, we have assisted in many cases which have been won by our members after litigation in the County Court, High Court and the Court of Appeal.


One of our members wrote: '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. - DeeJay Testimonial


The following statement is posted online:"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." Source


"I know that IBAS provided me with the necessary tools to defend against Barclays successfully.” - said DeeJay in his Testimonial


Do you want the 'necessary tools' that IBAS provided DeeJay to challenge the bank's personal guarantee debt claim and demand?


Challenges to Director's Personal Guarantee debt demand claims require banking knowledge and banking experience and IBAS has dealt with PG demands since 1992.




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