IBAS -  Independent Banking Advisory Service 




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UK Business Banking Account Dispute Investigations




Director's Bank Personal Guarantee




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


We have saved many business bank customer homes in the last 30 years



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.



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




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


- send us details of your dispute


There is no other non - profit UK organization providing independent and specialist individual business banking advice and specific assistance to members.





IBAS acts for UK Business Banking customers

IBAS is completely independent



Solicitors experienced enough and capable of advising on Directors Personal Guarantee Debt Claims

will be charging at rates of £320 per hour and will charge for every 6 minute period used on your behalf

therefore even an email on your behalf will cost up to £25, a letter more than £100 each

Meetings and extra barrister costs will double up on what the solicitors charge.


Can you afford those costs or are you seeking a better alternative?


IBAS investigate Directors Personal Guarantee Disputes and Banking Debt Claims and we help defend banks legal claims or directors personal guarantee debt claims.




- send us details of your dispute



IBAS is not funded by the Banks and Lenders seeking debt repayment from you


IBAS provides professional confidential advice








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 on what you should not do is available to IBAS members.





IBAS experience is the deciding factor in effective and sometimes almost miraculous settlements for UK business banking customers with Director's Bank personal guarantee debt claims and Bank guarantees.



Banks and Bankers will bend the rules for the bank and also to meet their own targets.


Bank debt Recovery staff are employed by the Bank for the Bank


they do not advise Bank customers


Business customers need truly independent professional, specialist advice


before contacting the bank


before any proposals can or should be made.




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 the bank claim and reducing bank claims for others


whilst reducing stress for the business bank customer




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 July 2022