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Established 1992


What does IBAS Membership Offer You


you need IBAS to help you because:


Banks and Bankers do not 'play fair'! IBAS protects you from the bank's often hostile intentions and actions.

Banks produce documents they will rely on for their legal claim on you - it's vital to know which documents they will hide.

Knowledge gained from many thousands of business banking agreements and contracts plus the Historical banking documentation & Historical Bank Regulators and regulatory ‘positions' from IBAS carrying out extremely detailed business banking case investigations - has provided our investigations team with the ability to ‘pick up’ unusual or abnormal banking acts or ‘procedures’.

The 'unusual aspects' alert us to the requirement for deeper forensic examination surrounding those ‘unusual aspects or procedures’.

Obtaining only bank information which the lender want you to have is not just 'sloppy' it may be disastrous for you.

If you receive Poor/inadequate 'advice' your 'proposals to pay' can also impact directly on your home.


Drop IBAS  an email and we will explain what can be done.

Remember that Banks and Bankers do not 'play fair'!

IBAS protects you from the bank's often hostile intentions and actions.




IBAS website was launched in 1998 to help UK businesses with banking disputes.


BBC Testimonial for IBAS - Your Money Not a moving account  


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.



The Bank’s Final letter for your business banking dispute complaint & business complaints to the Financial Ombudsman Service (FOS)

It is a fact that all banks spend considerable time and effort 'drafting' their Final response letter to the customer on complaints because they know that their Final Response letter is designed to persuade the Financial Ombudsman Service (FOS) to their position. By that time the bank’s customer services/complaints department will have already extracted all your information from you for their benefit by questioning you and then they will have dismissed your complaint/s.

Bank Final response letters are drafted and written by legally trained bank staff who are communicating with the FOS daily and are therefore completely aware of FOS decision making.

The Financial Ombudsman Service staff are aware that bank Final response letters are prepared by legally trained bank staff and the bank’s Final response letter will influence the FOS ‘investigator’.

Bank customers may believe their business banking dispute complaint/s will get a fair hearing by the FOS and from reading the FOS website may also be misled into believing that it is ‘easy’ to make a business banking complaint through the FOS.

However, banks possess very distinct advantages, which include legal knowledge, long experience of ‘complaint casework’ and know what is effective (for the bank). Banks also know how the FOS 'thinks' as they communicate regularly with the FOS by telephone.

The Financial Ombudsman Service do not calculate bank accounts to provide an independent calculation where they are required. The Financial Ombudsman Service will rely on bank methodology and bank calculations when dealing with a business banking account dispute.

The bank's Final letter allows you 6 months to make a complaint to the FOS.


see very poor 2019 - Trust Pilot Reviews for Financial Ombudsman Service

What will the Independent Banking Advisory Service (IBAS) provide you for your business banking dispute complaint which the Financial Ombudsman Service (FOS) will not?

IBAS will carry out fully independent investigations of business bank accounts based on the customers complaint and will provide fully independent calculations with a report which can then be relied upon to evidence incorrect charging, bank errors and overcharging.

Historical banking account errors/bank charging mistakes and bank overcharging claims evidenced by IBAS account investigations and calculations enable effective business banking account complaint progression. IBAS has been calculating business bank account and overcharging complaints since the mid 1990's

IBAS account investigations enhance the customer's complaint with substance to evidence bank charging errors to the customers advantage.

IBAS will investigate business banking disputes which IBAS 'take on' and progress for the customer.

IBAS reports can then be relied upon for any business banking dispute which IBAS has accepted.

IBAS investigate Director’s Bank Personal Guarantee dispute complaints and assess all other security documents held by the bank for lending purposes to establish the facts and historical positions. Specific advice on business banking account/s disputes and further actions required are provided by IBAS once our investigations conclude.

Information from those we have assisted since 1992 show that other ‘advisors’, solicitors & also the FOS carried out very limited or basic ‘checks’ on business banking complaints. Basic ‘checks’ cannot identify customer defences, allow debt reduction or eliminate a debt being claimed.

It’s clear that ‘other advisors’ provide advice and ‘outcomes’ without necessary facts. That disadvantages or destroys the customer’s ‘case’. IBAS has a long established standard practice for investigating bank customer’s business banking account disputes in depthother ‘advisors’ do not do so.

Email IBAS


If you truly believe you have legitimate complaints against your lender in your business banking dispute or your business banking account debt dispute then IBAS knowledge and our bank information from current and historical case work since 1992 is essential.

If you have a business banking case and are being threatened by the bank’s ‘recovery team’ with a legal claim based on the bank's claim or demand or by Receivers or LPA Receivers an IBAS investigation will substantially improve your chances of obtaining the best possible result for both you and your business.

Changes to regulation and the bank regulators from Bank of England - FSA - FCA and historic voluntary codes of conduct - IBAS have been around for all of those regulatory changes. We have recorded the changes as they occurred for our own records and IBAS use in business banking case work. In some cases that specific knowledge has been the vital cog in the wheel of a very good resolution.

IBAS is a professional, confidential guidance and direct assistance organisation providing UK Businesses with businss banking account problems and disputes assistance and IBAS is an organisation which can help you with bank litigation.

IBAS provides good specialist advice and resolution and when IBAS is involved immediately after bank demand for payment, we aim to obtain all information which we know is necessary to assess legal arguments against existing case law.

IBAS lay the 'groundwork' for successful defences by first preserving defences which exist and yes, we have been involved in many cases which have been won by our members from litigation in the County Court, High Court and the Court of Appeal.

ILA (independent legal advice) Confirmation Certificates - provide banks with additional assistance. Banks and other lenders rely heavily on a solicitor providing them with their signed confirmation that they have provided independent legal advice to the bank's customer - which if correct then prevents the customer saying later that they relied upon bank advice or misrepresentations prior to signing documents. But, in our investigation those specific documents may not be what they first appear - as banks are required to provide truthful information for ILA to be properly obtained - IBAS has found that careful investigation can find an ILA Certificate to be unreliable.

Waiver of ILA (independent legal advice) - bank customers signing a waiver of ILA provides the bank with confirmation that the customer has been offered ILA but has refused ILA (by the customer signing the waiver). Banks and lenders use the signed ILA waiver document as evidence of their security position and in order to eliminate many of the ‘misrepresentations’ claimed by bank customers. Again, the ‘waiver’ may not be what it seems - IBAS investigations have provided evidence to discount dubious ILA waivers.

We know that communicating with someone who fully understands what you are going through is your first step to getting a good night's sleep. But, communicating with someone who has dealt with a great many cases like yours is even better so don't waste time putting off dealing with it - act now - email IBAS and tell us about your banking dispute.

An IBAS member wrote in: "Just for information we have recently reduced the balance outstanding to the bank and now have a better relationship with a new manager who many times, has apologised for the actions of others that have gone before him. 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

Many solicitors and barristers have approached IBAS with ‘cases’ since 1992 - with many clients claiming the bank had acted dishonestly, incorrectly or very badly to the customer’s financial detriment - often factual information was lacking and IBAS business banking investigations were required to provide both facts and precise calculations to prove the facts.

Example One: Home possession case: The bank sought possession of a business owner’s home on the basis of an amount they claimed was owed to the bank after demand on a personal guarantee debt which was supported by a bank mortgage over her home. However, the customer believed the debt was inflated by bank overcharging. The barrister sought the facts to undermine the bank’s case for possession. IBAS carried out calculations requested by the barrister to establish the charging for the previous six years based on the banking facilities provided by the bank.

IBAS investigation of the 6 years of business bank statements and facilities up to the bank’s demand showed no evidence of overcharging. However, our team perceived anomalies just prior to the six year period and we requested the barrister’s instruction to proceed further.

Our further investigation beyond the six years proved that the bank had been overcharging interest on balances and that the bank had inflated the balances shown by previous overcharging.

Therefore, the debt claimed by the bank was totally incorrect and there was a substantial defence to the debt the bank were claiming.

Conclusion: The overcharge and the defence to the bank’s claim would have remained concealed without IBAS investigations - which provided the evidence for the barrister to counter the bank’s claim.

IBAS involvement as a truly independent banking investigator will determine the best route available for the customer.

Example Two: Mrs H was deceived by her husband who borrowed funds against their home and the bank attempted to enforce against the wife for the secured debts on their home because of the husband’s business debts. Mrs H was introduced to a solicitor by CAB but he had proved to be ‘unable’ to protect her position and his competence was questionable. IBAS investigation of Mrs H’s position led us to conclude that her case was much stronger than her solicitor had attempted to put forward and her solicitor appeared to be accepting the bank’s position much too easily. Our conclusion was that she required much better representation and we offered our assistance. The case was eventually heard in the Supreme Court and Mrs H then won her case on appeal.

Conclusion: IBAS knowledge, input and guidance was instrumental in this case reaching a successful conclusion in the Appeal Court.




IBAS has 27 years of continuous business banking dispute investigations and negotiations experience with all major UK lenders and we provide professional, confidential guidance and direct assistance to directors and proprietors who initially email us their business banking dispute/s information.

IBAS has acquired specialist business banking knowledge from the many IBAS investigations of UK business banking account disputes since 1992. Our investigations have provided experience and depth of knowledge which no other organization 'acting' for business banking customers has.

IBAS business banking account investigations experience, our expertise in analysis of business bank loans, business bank current accounts, business banking contracts, business banking account facilities plus our knowledge of business banking debt recovery strategy - has provided us with expertise in utilizing our specialist banking knowledge. That specialist knowledge is often the key to our members success and instrumental in almost miraculous settlements for IBAS members.

There is no other non - profit UK organization providing independent and specialist individual business banking advice and specific assistance to members.

IBAS business banking dispute knowledge and negotiating experience provides a proven strategy for business banking claims and can provide defences to business banking debt claims.

As a Director, Partner or Proprietor with a UK business banking dispute or business banking debt claim you will have already received 'conflicted' advice, maybe from the bank, Insolvency professionals or solicitors.

You may now be very confused and seeking fully independent advice, guidance or help.

IBAS will know from many years experience how best your dispute may be 'handled' and we offer ʻvalue for money services.

IBAS investigations and our investigatory experience with audits and bank interest overcharging, has led to many bank debt claims being considerably reduced or dropped.




In detail:

  1. IBAS obtain business banking information directly and indirectly from banks or lenders which is held in IBAS archives for IBAS use - which means that 'concealed or witheld' bank information can be used for members in resisting the claim or used by IBAS negotiating the claim away or reducing it's value - which would not have been possible without IBAS archived information.

  2. IBAS is totally independent and since 1992 has acted for UK businesses in numerous business banking investigations across all industries. IBAS investigations of business bank account interest overcharging means that IBAS will provide a very strong negotiating position for 'bank overcharging' cases and also that information and evidence can then reduce connected business banking debt claims.

  3. IBAS information and experience has been gathered from many years business banking account ‘case work’ and from very detailed banking investigations of business banking and corporate debt claim information.

  4. IBAS also gathered unique and confidential information then validated by the Cruickshank Treasury Review in 2010. All UK banking information gathered then and since is used by IBAS in providing professional business banking assistance to members.

  5. For several years IBAS personally and regularly met with business banking debt recovery 'teams' to negotiate large numbers of business banking debt dispute cases.

  6. Experience gained by IBAS from the great many meetings with bank debt recovery teams negotiating Business Banking dispute cases has enabled IBAS to 'understand' bank debt recovery team strategy and also their willingness to exploit individual weaknesses.

  7. When IBAS provides a response to the lender you're better protected from Bank 'bullying'.

  8. IBAS members will have a great deal of information and knowledge which is available to IBAS for use on your case from IBAS archive of business banking cases investigated in our 'case work' since 1992. That information provides unique in depth knowledge and information on individual bank Debt Recovery Units.

  9. IBAS members are provided with individual business banking assistance, guidance and support from a very experienced, specialist, confidential, professional, business banking advice organisation – which automatically reduces stress on our member.

  10. IBAS questions to lenders are 'focused' on the correct areas of complaint for your case by IBAS experiences in dealing with a great many similar business banking debt cases.

  11. IBAS requests for banking information allows IBAS to identify precise direction for your case and evaluate possible defences and/or counterclaims if they exist.

  12. Bank recovery actions are inevitably slowed by IBAS requests for specific information from the bank - otherwise it will not be provided or 'shown' by the bank. That also allows IBAS to verify bank/lender claims on security and we can focus on eliminating or reducing business banking debt claims.

  13. There are considerable and significant cost benefits by using IBAS for a business banking debt claim as our specialist and experienced examination of case papers often nullifies very costly solicitor's fees or requirement for a barrister in 95% of cases. Our strategy is to obtain all information from banks. IBAS is an economic, professional, confidential guidance and direct assistance organisation available for UK Business banking problems and disputes. IBAS is an organisation which can help you with bank litigation because IBAS will:

    a) evaluate business banking debt demand claims at an economical cost

    b) provide very experienced input on your options as information is gathered

    c) provide the experience to negotiate majority of business banking debt claims

    d) provide the experience to focus on important specifics and assess legal options

    e) provide concise briefing for barristers – if necessary


  14. In our experience and in the current 'climate' - it is very unwise to instruct a solicitor in the early stages of any bank demand – doing so is not only expensive but may be counter productive on costs and value as it may double your legal costs. Solicitors instructed in the early stages of a business bank debt claim or demand inevitably 'trigger' the bank instructing their legal advisors – provoking early escalation to a legal debt claims plus additional legal costs.

  15. IBAS examine Director's Personal Guarantee debt claims or business banking debt claims for validity and defences against 'new law' and existing case law and IBAS will evaluate whether that case law provides assistance in disputing the bank's claim.

  16. IBAS will establish how business banking debt claims/banking disputes can be resisted, diminished or negotiated.

  17. When IBAS negotiate a compromise position – decisions to not proceed with litigation will be cemented into an agreement by the bank with IBAS to end that claim.
  1. We do not share IBAS internal research/investigations information with any entity.

  1. IBAS is a national organisation - ‘local’ bank pressures and 'bank bullying' are removed.



email IBAS


you need IBAS to help you because:


IBAS has a long and established standard practice for reviewing and also investigating bank customer’s business banking account disputes. IBAS assessments, reviews and our investigations are carried out to a considerable depth – but, it is clear other ‘advisors’ do not do this.


IBAS was the first in this field and is the best.


Last modified: 24th January 2020