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UK|Business| Banking| Small| Business| Banking| Dispute| Solutions


IBAS has 30 years continuous business banking dispute investigations experience with all UK lenders.


We provide professional, confidential guidance and direct assistance to UK directors and proprietors.


The interests of the bank business customer is our focus.


UK Business banking customer with business banking account concerns, disputes, issues, problems or business banking litigation dispute?


IBAS only acts for UK Business Banking customers


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.


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


IBAS investigate Directors Personal Guarantee Disputes and Debt Claims and can help defend banks legal claim on directors personal guarantee debt claim - avoid judgments for personal guarantee debt claims


- send us details of your dispute - it costs you nothing to find out how we can help you


seeking to move your business loan borrowings now that LIBOR is being discontinued?

approached by your bank to amend your business loan agreements going forward?

The bank will want to sell the most profitable product for the Bank - they are not independent advisors for your business

Additional Security may also be part of the bank plan.


Require assistance understanding your choices on Fixed rate and floating rates - seeking to avoid costly penalties - do you really understand Bank Treasury products and Hedging?


Amending or renewing Business Loan agreements comes with uncertainty and a requirement for you to know exactly what those new agreements may mean longer term

- seek IBAS assistance before you sign into costly penalty arrangements which may look good initially.


IBAS are independent specialist investigators in UK business banking disputes, bank debt claims, Directors Bank Personal Guarantee and Business Mortgage Debt Claims.

The continuous, combined experience of UK banking investigations and UK banking case law since 1992 is offered to those fortunate enough to be offered IBAS Membership for their business banking dispute. IBAS experience and knowledge has saved many homes from being taken by banks after the bank demand on a Directors Personal Guarantee has threatened them.




Why use Independent Banking Advisory Service (IBAS)?


Maybe, you just feel uneasy? Coronovirus has adversely affected many extremely profitable businesses. Pushing them into very challenging positions. IBAS experience has helped many businesses survive when they were under severe pressure from their bank.

IBAS cases together with our many meetings with Bank Debt Recovery teams and also our litigation document discovery service for solicitors, showed us how much detailed information banks hold on their customers for the bankʼs use.

Later, when a business is struggling that information used by the Bank and their Debt Recovery Team to pressure the business or seize assets.

IBAS has very experienced banking experts used to auditing bank documents, investigating bank statements and dispute claims and who have taught many businesses how to 'take back' their business and assets.




Some IBAS case investigation summaries are shown below - all case study material would fill several books!


Case Study - Property Development Company - Director's Personal Guarantee - Business Failure - Bank demands payment for director's personal guarantee for full company debt owed of circa 100k - bank threaten to take his home.

As with many property development companies this Director's Personal Guarantee was signed without ILA being provided.

When the business failed the Director took advice from solicitors. Their advice was to settle with the bank - otherwise they would 'take his home' - IBAS took on the case and fully investigated all the circumstances.

The bank had written and threatened the bank would take the Director's home if he did not pay them what they had claimed.

IBAS negotiated with the bank over a period of about six months.

Despite the bank's claim on a provable 100k company debt, IBAS obtained the bank's confirmation they would not proceed further on their alleged Personal Guarantee debt claim demand against the Director.


"The Director stated: "The outcome was without doubt more than we could ever have wished for"

- "We would highly recommend your services to anyone placed in the same position that we found ourselves in"

- Testimonial Letter




Case Study - Construction Company - EFG Loan - Business Failure - Bank demands payment for director's personal guarantees for full EFG loan provided to company.

Several EFG loans were provided to the company and Director's Personal Guarantees were taken over a period of years which confused the directors who were misinformed by the bank on their position and also their possible liability if the business failed. When the business failed the bank then demanded the maximum amount outstanding on all the loans - claiming the director's personal guarantees covered the full debt.

IBAS not only disputed the debt but also how the EFG Loans were provided to the company and the 'selling' methods and bank 'strategy' used in obtaining signatures for the Director's Personal Guarantees.

Had IBAS not obtained all information available and then investigated matters the bank would have taken the customer's home - as that was their motivation.


After considerable dialogue over more than a year - the bank eventually agreed their position had been overstated and errors were made enabling IBAS to settle for a sum which the customer agreed had provided 'a very good result'.





Case Study - Manufacturing Company - Unauthorized company bank current account withdrawals and alleged thefts by company employee - Bank paying 'outside' company mandate for business account/s - IBAS provided analysis, investigated, collated evidence to calculate the proven loss for a claim to be made by the Company against the bank.






Case Study - Services Company - Unauthorized company bank current account withdrawals and alleged thefts by company employee - Bank paying 'outside' company mandate for business account/s


IBAS investigated and collated proof and evidence, provided the analysis and calculated the claim for loss to be made by the Receivers against the bank.




IBAS has investigated Director's Personal Guarantee Debt Claims and Demands, Personal Guarantee/s and banking debt claims since 1992 to assess the risks to the customer and for resolution of debt claims


IBAS has investigated:


Cloud or Crowd Funding Personal guarantees - IBAS has assessed and investigated Crowd Funding Guarantee Demand Claims and resolved those claims.

SWAPS interest rate complaints, misrepresentations/miss-selling & deception in sales of SWAPS 'agreements'. Property secured to a SWAPS agreement of an unequal term, release of security to business bank loan and mortgage/s.

SFLGS Business Failures and EFG Loan Business Failures where IBAS has provided pre-litigation assistance on issues ranging from company loss, bank mistake, security taking, debenture taking and debenture registration and the taking of and 'calling up' of associated bank director's personal guarantees.

Business bank current account, double charging, Bank pressuring businesses for more and greater business assets, lower business borrowings forced, higher personal Director's guarantees and further personal guarantees secured on family homes by bank mortgage.

Business Bank current account - bank overcharging of interest and business current account bank - overcharging for double debits and fees - Bank Overcharging debit bank interest on business banking current account/ loan/ guarantee/ mortgage.

Bank breaching contracts with business banking customer - RBS Global Restructuring Group (GRG) assistance, Business banking current accounts/ mortgages/ loans being moved from branch to debt recovery department / specialized lending unit / business support unit / business recovery support unit and normal banking relationship ending.

Limited Company bank debt disputes and bank claims for payment.

Bank Business account overcharging - IBAS calculated the correct balances and compounding to claim back the overcharged interest.

Bank current account overcharging - IBAS provided calculations which proved bank overcharging on the accounts.

Bank forgery of payment and security documents to obtain property/payment for debt.

Banker's misrepresentations in obtaining further security, Bank lending using both undervalued and overvalued property valuations.

Tracing lost or connected business bank accounts in an offshore bank.

Cheque and BACS payments by bank branches without authority & Banks paying outside company mandates for business current and business loan account/s.

Business Fixed Rate Loans Break Costs Disputes



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