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Updated 21st February 2024

Want help defending directors personal guarantee bank debt claim dispute with bank?

TM in his testimonial for IBAS 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

also

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 for Personal Guarantee Debt Claim of over 500k

IBAS acts for UK Business Banking customers

IBAS is completely independent

obtain direct practical and confidential assistance

Contact IBAS

IBAS has investigated a great many director's personal guarantee bank cases since 1992. Director's Personal Guarantee bank facilities, agreements and debt claims resulting from lending facilities are rarely simple and can be extremely complicated. We have found that quick or easy answers at the enquiry stage are only possible where the case has already been lost or defences compromised.

Signing into a Director's Personal Guarantee and Indemnity is intended to expose the guarantor to a legal claim on their assets by the lender if their Demand for Payment on the borrower is not or cannot be paid.

That is the Lender's intention when seeking a Director's Personal Guarantee with an Indemnity.

Many Guarantors believe that having a co-owner of the family property will then prevent the lender charging against or issuing a possession order or order for sale on their home after judgment.

But, in our experience Lenders obtain a judgment for debt so that they can 'take' any personal assets which are not legally protected.

Therefore, a part owner or co-owner of a property will not prevent any claim (charging order or order for sale) on that property once judgment is obtained in court against the bank customer.

Our experience shows that lenders obtain all property ownership and existing mortgage details immediately their debt recovery commences – they are then able to enforce on judgments once the Judgment for debt has been obtained.

IBAS fully investigate Director's Personal Guarantee Debt Claims and that has been our standard practice since 1992.

IBAS coaching and tactical guidance to help you is available to IBAS members.

IBAS protects business bank customers from the often hostile intentions of their bank

IBAS protects members and their assets from being raided by the bank

in some cases completely nullifying bank claims and reducing others

whilst also reducing stress for the business bank customer

By 2002 Independent Banking Advisory Service had already obtained in excess of £21 million in refunds, write-offs and write-down of bank debt for Business Banking customers from our successful investigations of UK Business Banking Disputes

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IBAS has featured on BBC TV, BBC 1999 Testimonial for IBAS BBC TV News, ITV News, Meridian TV and Sky TV News since 1992 and contributed banking editorials and business banking articles for Sunday Times, Times, Daily Mail, Daily Express, Telegraph and Daily Mirror.