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Updated 2nd December 2023

IBAS 'in house' bank auditing began in the mid 1990's.

We provided IBAS Report on Bank Overcharging and assisted and met with the Cruickshank Team at the Bank of England prior to the Cruickshank Review of Banking Services in the UK and Competition in UK Banking being published on 20th March 2000


See: Full Cruickshank Report


See: Cruickshank IBAS and UK Business Bank Overcharging


IBAS business banking dispute negotiating experience and knowledge provides a proven strategy

We can verify commercial bank loans, bank overdrafts or bank business mortgage charging

IBAS can help your business eliminate historic or current bank overcharging on your business bank accounts.

IBAS knowledge, ability and expertise will produce the best results for you or your business


(just like GL and AT below)


IBAS Testimonial:

"We would like to thank you for your assistance in bringing the matter with the bank to a conclusion.

It would have been far easier if we had known about your organisation in the first instance and the corner the bank backed us into would probably never have transpired.

We could not recommend strongly enough to anyone struggling with the overzealous banks how helpful IBAS have been.

When we consider how the bank treated us when we hadn’t done anything wrong, never missed a payment and had good loan to value rates, I can only surmise how aggressive they must be to others.

Once again many thanks for the help IBAS have given us both over the past two years.

In the nicest way we hope never to require your services again! "

- GL Testimonial


'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


BBC 1999 Testimonial for IBAS - Yes, that was 24 years ago


IBAS are Independent Business banking account dispute investigation experts, we specialize in banking charging and banking contract evaluations and calculations and have 30 years UK business banking dispute investigations experience.

IBAS specialist investigation of the business banking charging structure is essential if a business is to fully recover what has been lost or if the business wants to dispute a bank claim.


IBAS acts only for UK Business Banking customers


UK Banking Litigation Report


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


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


IBAS acts only for UK Business Banking customers



'Thanks for firstly remotely assessing my bank debt claim complaint/s and then saving me time and money by advising me exactly how to achieve a successful outcome, without solicitors being involved.

Your remote working and knowledge based systems are remarkable.

IBAS has saved me many thousands of pounds by obtaining all the facts, then advising me 'safely' on an effective resolution (without wasteful or ineffective 'face to face' meetings in the current Covid 19 'climate').

Brilliant result all round and very safe and cost effective for me. Carry on your good work'

- AS Testimonial


Our analysis and investigation of business bank loans, business bank accounts, business banking contracts, business banking account facilities and business banking debt recovery information has been instrumental in our member's success.


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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 Sunday Times, Times, Daily Mail, Daily Express, Telegraph and Daily Mirror.


Independent Banking Advisory Service (IBAS) - launched in 1992 as a specialist UK Business Banking Dispute - Resolution Experts assisting and advising UK Business Bank customers who have UK business banking account loan disputes and business banking debt disputes.