Independent Banking Advisory Service
Established in 1992
Updated on 19th April 2017
What does IBAS Membership Offer You?
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 account/mortgage account and security disputes and business banking debt disputes. Our bank analysis and investigation of business bank loans, bank accounts, banking contracts, business banking account facilities and banking debt recovery information has been instrumental in our member's success.
IBAS is now in it's 25th year helping/guiding those with UK Business Banking disputes and Director's Personal Guarantee business debt claims - IBAS is the only UK non profit organization which provides business banking customers with specialist business banking assistance and specialist business banking guidance and also IBAS specialist business banking investigations.
IBAS business banking dispute negotiating experience has a proven strategy which provides claims and defences for business bank customers. IBAS has excellent banking investigation reputation and has featured on BBC TV, BBC TV News, ITV, Meridian and Sky News and contributed to editorials and articles for the Sunday Times, Times, Daily Mail, Daily Express and Daily Mirror.
IBAS provides experienced specialist and practical advice to our members on how to deal with and control the bank’s business involvement in their business and bank ‘collection’ activities after demand of the debt has been made on a Mortgage, Loan or Director’s Personal Guarantee and any associated business banking matters. What can you do and how best to do it? Can you dilute your director’s personal liability - and how do you ensure the bank will not take your assets under a bank’s director personal guarantee debt demand? - Those questions and many others have been asked in cases where IBAS investigate bankers and the bank’s actions.
IBAS will explain and identify all the issues for you when we take up any business banking case under membership - but before we can offer membership, we need to understand your 'case' and what has already taken place.
As a non proﬁt organization we cannot help everyone who enquires, wants or needs IBAS assistance. IBAS select only those cases which require our specialist assistance. Often, a number of emails will be necessary for us to understand the speciﬁcs of a 'case' and the claim.
After we have determined that we can assist with a case and that IBAS membership is appropriate we will then offer IBAS membership. IBAS 'offer' of any membership automatically ends after 7 days have elapsed from IBAS providing the membership application form.
IBAS members are advised on matters which may be raised or are associated with business banking during membership such as: Bankruptcy, Codes of Conduct issues, Company borrowings which are threatening the business owner’s home, Bank enforcing bank demands, Joint and Several Liability debts and Guarantees - how will that alter individual claims, penalty or overcharged interest, Charging Orders, Orders for Sale, Payment obtained from property equity, Full & Final settlements, phased payments and many others.
It is a normality that most IBAS members will have homes on which the bank will have noted available equity and the bank will target properties to obtain payment of their debt claim/s. IBAS investigations focus on ﬁnding the information and the facts with which we can best protect our member’s interest, their business, their homes and other assets.
Please note: We do not share IBAS research information with any other entity - neither does IBAS 'sell on' leads or 'buy' leads by paying introducers or by paid advertising through third parties. That means you will not be compromised neither will your 'case' be compromised.