What does IBAS membership offer you.htm

IBAS early advice on Personal Guarantees, Personal Guarantee debt claims, Bank Guarantees, Personal Bank Joint Guarantees, Personal guarantees and Indemnity and Personal Guarantees for SFLGS - prevents costly mistakes and even greater risk of losing the marital home from ill informed action/s.

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 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.

Unique benefits of using IBAS membership are shown in the 'bullet points' below:

The major difference between IBAS and other advice organizations is IBAS experience which has been gained from investigative 'case work' on a large volume of business banking 'problem' cases over 20 years. This means that from the experience gained over 20 years in what is a very specialized area - we can quickly identify personal exposure, defences and the actions necessary to deal directly with the bank on your behalf.
IBAS act for you as a professional advisor in all dealings with the bank. - What does that mean for you? It means that IBAS involvement automatically reduces stress for you from the bank’s claim against you personally. It also means that IBAS can and will ask questions which are based on 20 years experience dealing with bank claims.
Bank recovery action may be slowed, whilst IBAS request and obtain information from them. - What does that mean for you? Extra time means you can organize and prepare your personal position whilst IBAS identify exactly what the position is and evaluate what defences there may be available and also that you will not be able to jeopardize your own position by being in direct contact with the bank.
IBAS will obtain information from the bank and focus on the important facts for decision making. - What does that mean for you? This means that information which the bank may have concealed or want to conceal is discovered by IBAS for your benefit in defending the bank’s claim or in negotiating the claim away or at a reduced level than would otherwise have been possible.
IBAS are watching new law as it emerges and we consider existing case law when assessing your personal case or business issue. - What does that mean for you? We watch new law as it emerges because banks ignore new case law if it is not for their benefit. They act as if it doesn't’t exist when dealing with individuals or small businesses. We evaluate whether a defence is available or may be available and also whether new case law provides a means with which a bank’s claim can be disputed.
IBAS evaluation of your business banking case will determine what case law the bank will rely upon in their claim against you and whether any new case law may change the bank’s position. - What does that mean for you? It means that when case law alters or new law is made, it could offer an alternative position for you and we may then negotiate the claim away, negotiate it down or prepare a defence.
When IBAS dispute a bank claim it can be for the whole claim or for part of the claim. - What does that mean for you? Sometimes when confronted with IBAS questions and requests for specific information banks and lenders can then see that we have prepared a solid position, which they would find difficult in any court claim. The bank may then make a decision not to continue with litigation and we can cement agreement for ending that claim. In other cases strengths of our drafted defence is enough to obtain a healthy compromise position.
IBAS archived information and experience gathered from 20 years ‘case work’ for members, provides unique, confidential, professional business banking advice and assistance that others do not possess - What does that mean for you? It means that we are specialized, experienced and professional in dealing with banking and business banking matters and you can rely on a great deal of information, which is held by IBAS and is unique to IBAS and which is not shared with or used by any other entity.
IBAS case work over 20 years provides us with unique knowledge of individual banks and their debt recovery systems. - What does that mean for you? It means that we know how each bank works and also what that bank is currently today seeking from a completed income/expenditure schedule/personal financial statement. Our knowledge and input in providing any defence or settlement proposal is therefore to your advantage.
If an IBAS case evaluation shows a bank’s claim to be indisputable we will negotiate the debt with the bank on your behalf and advise you at what level a proposal is necessary. Negotiations and proposals are specifically based on individual financial positions and circumstances. - What does that mean for you? It means that after IBAS assessment if we conclude a debt cannot be undermined or devalued - negotiation is necessary to prevent further costs inflating the debt or worse a court claim and charges on property with orders for sale. We will advise you on the level of settlement necessary.
IBAS 20 year history and our media success provide considerable strength to any bank negotiations on your behalf. - What does that mean for you? It means that banks and lenders are aware of our history and the issues we have publicized and the media campaigns we have run successfully. The banks are aware of our contacts with the media and our contributions to National TV and Radio banking programmes and national news items. Because of our position - Banks are careful to answer questions we ask and provide documents that we requests. This means that information and facts, (which otherwise would not have been known or shown) are obtained by IBAS - this assists IBAS in negotiating the validity of any bank's claim/security and/or in reducing the bank's debt claim/s.
IBAS is totally independent - What does that mean for you? It means that IBAS are never under financial pressure or indeed any other pressure from those who are seeking payment from you - which means that we will assess your case using the facts and information at our disposal without interference/manipulation or financial pressure from those who seek payments from you or those who are in dispute with you.
IBAS is a unique national, professional, specialist banking membership organization, which can really make a difference for you in dealing with your bank or lender problem/issue or dispute - What does that mean for you? IBAS will take your case from a ‘local’ level and local influences to a national level and by doing so will take all ‘local’ pressures off you. IBAS will then evaluate and establish how best any claim or banking case may be resisted, diminished or negotiated for your benefit, using our professional and specialist experience from case-work over 20 years.
IBAS is a 'not for profit' organization & operates without any conflict of interest - What does that mean for you? It means that membership fees are our only funding for our organizations’s existence and that means banks and lenders cannot use financial leverage or 'muscle' against us when dealing with or settling individual cases (i.e. bargaining with us for payments against your benefit).

IBAS early advice on Director's Personal Guarantee demands, Personal Guarantee debt claims, Bank Guarantees, Personal Bank Joint Guarantees, Personal guarantees and Indemnity and Personal Guarantees for SFLGS - prevents a greater risk of losing your home from incorrect arguments and defences being used.

Find our 2012 national newspaper comments (plus many more over many years) in the News and archives sections of our site - IBAS can be relied upon and has been in existence helping business bank customers with their personal guarantees and personal guarantees 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

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.