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Updated: 22nd February 2024

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


Cruickshank IBAS and UK Business Bank Overcharging

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

The Cruickshank Report - IBAS report to the Treasury evidenced business banking interest overcharging of UK Business Banking customer's accounts by all major banks prior to Cruickshank's Report (2000) - the IBAS report was sent onto Cruickshank's Review Team for their assistance.

IBAS UK bank and banking experts then provided the Cruickshank Banking Review investigation with specific bank charging and banking strategy information.

That information came from IBAS investigations and our internal research on banks and business banking accounts which were carried out by IBAS's internal UK business banking account audit team. IBAS has 30 years experience as UK Independent Business Banking Resolution Service.

IBAS assisted the Cruickshank review team to understand how UK banks overcharged and also how UK Business bank overcharging was concealed by banks.

The Cruickshank Report identified UK bank overcharging on business bank accounts as being a major problem and confirmed that UK businesses were at risk from bank overcharging or had already been overcharged by their bank.

The Full Cruickshank Report brought  'into the open' a number of business banking issues for UK businesses and consumers. UK Business Banking disputes start with errors or mistakes which are often concealed by the bank. The majority of bank error and bank mistake identified by IBAS 'in-house' specialist business bank account interest audits and calculations in our business banking account investigations for UK Corporate and UK business banking accounts showed a heavy bias towards the bank's profits.

Profiteering by banks has been documented by BBC and others in highlighting 'specialist' banking units set up specifically to profit from business distress - but that behavior has been evident at IBAS for more than the previous decade with little being done to prevent it as Regulators and Government turned a blind eye to suggestions that the UK Banking Industry was plundering Businesses and personal assets.

IBAS were able to recognize and calculate business bank account overcharging and have been able to prevent property repossessions and cases of bank asset stripping. Our auditing 'tools' and legal knowledge has also provided us the ability to create a defence and counterclaim for members which has enabled successful case resolution/s.


Banks Overcharging Customers Billions of Pounds


see: Independent Banking Advisory Service - Frequent Questions


IBAS know how to obtain all information that is necessary from banks for defence and/or claim purposes and IBAS examine case papers with a specialist and experienced 'eye' which may then prevent very costly solicitor's charges or the requirement for a barrister in 95% of cases.



'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


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


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.


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


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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.


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.