UK Bank Customers Useful Links

Independent Banking Advisory Service

UK Bank Customer's useful links

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Our mailing address is:

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For the most recent IBAS views and banking comments visit Banking News & UK Comment 2012

Can you trust your bank? - If you seek financial advice it appears from the Panorama report that the banks are not 'treating their customers fairly' but that should come as no surprise - should it?

PPI the Banking 'Scam' that became a Public Relations Disaster - Eddy Weatherill on how greedy banks were forced to admit PPI 'scam' - are you due a payout? - Fresh Outlook 12/05/2011

The Assessment and redress of Payment protection Insurance complaints - FSA Publication.

What is a money mule? - Make sure you do not become a 'money mule' or do not get involved in 'commission' scams.

http://www.ianfraser.org/whistle-blower-alleges-flawed-pwc-audit-deprived-widows-policyholders-of-1-5-billion/ - Graham Senior-Milne, a former internal auditor at Lloyds TSB and Scottish Widows, is seeking a judicial review of the alleged failure of the Institute of Chartered Accountants England & Wales (ICAEW) to investigate his complaints about life-insurance company audits. The high court will meet in Berwick-upon-Tweed on March 2, the first time it has sat north of Leeds.

Millions of Britons who receive scam letters and e-mails are now being urged to forward them on just the once - to the National Fraud Authority.The agency has launched a new operation to track down the fraudsters behind the multi-million pound industry in scam mail, but needs public input. It wants people to forward e-mails to email@actionfraud.org.uk for analysis.

See Peston's Picks for Today - For those who want or need to keep 'up to the minute' with the most important banking and financial news straight from the mouth of the BBC's Business Editor - visit Robert Peston's blog this is his regular 'take' on the business stories and issues that matter for UK business and investors. Not to be missed if you want to be 'up to date' with news which will affect you most.

IBAS early advice on Personal Guarantees, Personal Guarantee debt claims, Bank Guarantees, Personal Bank Joint Guarantees, Personal guarantees and Indemnity, Personal Guarantees for SFLGS - prevents costly mistakes and even greater risk of losing their home from doing the wrong things at the wrong times.

Mail IBAS for help

Bank current accounts challenge - The monopoly of banks and building societies on current accounts has been broken - Credit Unions have started offering fully functioning current accounts to their members after one successful pilot attracted 1000 customers - unhappy bank customers now have another option to 'vote with their feet'.

CU News and assistance in finding a local Credit Union. This may enable you to find an alternative to your bank at better rates for you.

Banks MPsandGovernment - Is your MP part of the solution or part of the problem - whether it's bankruptcy, bank profits, identity cards, hospitals or care homes - find out at this site.

Greeting Card making or card crafting to relieve the stress from bank disputes and problems? - some inspiration can be found at http://stamping-fantasies.blogspot.com/

Having Their Cake sets out to campaign for the kind of investment and industrial leadership that will develop rather than undermine Britain's natural innovative talent.

Extract at Trust in Financial Services Industry?

The Cruickshank Report at http://webarchive.nationalarchives.gov.uk/20100407010852/http://www.hm-treasury.gov.uk/fin_bank_index.htm on UK Money Transmission in Chapter 3 established that this was a monopoly by the big UK banks - a position not corrected by the Government. Bank consumers have continued to be 'ripped off' since this report was published and lack of controls at that stage (2000) then led to the weaknessess which allowed the banks to exploit their position and inevitably created the 2007 breakdown in UK and worldwide banking.

On the 1st November, 2009, the voluntary Banking Code and Business Banking Code, which the banks have been able to circumvent easily was replaced by the FSA's Banking Conduct Regime and this 'Regime' is not voluntary but followed many years of bank 'self regulation' with little progress on fairness for customers - IBAS will continue to watch 'progress' closely to see if there is evidence that regulation is working for bank consumer's benefit and that the new 'regime' (which is itself being changed) is not just 'hype'.

Full Hutton Enquiry - 'whitewash' or not? You decide from the evidence and information provided.

Freedom to Care - A non profit making organisation promoting the expression of social conscience in the workplace, public accountability, ethics at work and supporting whistle blowing.

University of Essex - Prem Sikka - professor of Accounting at The University of Essex. Interesting material relating to such issues as insolvency and accountancy practice.

UK Banking Litigation Report. - See how banks litigate and the tricks they use to continue their unfair trading and protect their own interests.

Major Financial Scandal Site - Links to sources of information on major financial scandals, bank frauds, money laundering, corruption, scams, organized crime, etc. both in Britain and abroad. Worried about UK Business Banking help issues? Already have a bank problem, dispute or bank complaint - a visit here may confirm that you're not paranoid.

Information on Dormant Bank accounts - Claim Dormant Account money back.

The Building Societies Members Association claims to represent the interests of all UK building society members through actions against malpractices, exchanges of information and by upholding the principles of genuine mutuality

The Information Commissioner - provides all Data Protection Act information - any questions regarding Subject Access Reports (SARN) should be directed to them.

Complaints and claims on Endowment Mortgages.

Recent bank scandals - Barings Bank, Derivatives and Nick Leeson plus other banking scams and scandals. Well worth a visit for the insight it may provide those who have a bank complaint or dispute!

Banks MPs and Government - Find out what your MP is voting on - or what they are not bothering to vote on.

You will find our 2012 national newspaper comments (plus many more over many years in the News and archives sections of our site) - proving IBAS can be relied upon and has been in existence helping business bank customers with their personal guarantees and personal guarantees debt 'calls' or debt claim 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.

IBAS is the most experienced organization in this field with 20 years 'track record' in Banking cases and resolving Director's Personal Guarantee issues. Our aim is to provide the best professional and personal Banking and Personal Guarantee advice service to protect our members at a low and affordable annual membership. IBAS offers specialist and individual Banking and Personal Guarantee advice and assistance and will assess your personal position to establish how your banking dispute or Personal Guarantee may impact upon you and also your family. Our first action is always to protect your personal position and prevent it being compromised further, by any ill advised actions with regard to the banking dispute or Personal Guarantee you have already signed.

- Mail IBAS - an email to us is the swiftest way to obtain a response from any enquiry.

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