Independent Banking Advisory Service 





IBAS Testimonials

Unique IBAS Benefits

Business Banking Disputes

Business Banking

Business Bank Overcharge/s

Bank Mortgage

UK Bank Litigation

Personal Guarantee

Personal Guarantee/ Indemnity

Banking Litigation Report

Business Banking Solutions

Banking articles


Useful Bank Customer Links

UK Banking News and IBAS Comment Archive

Banks MPs and Government


Contact Us


UK Net Guide Banking Bodies Top 10 Site



Established in 1992

Mortgage Shortfall Debt Claims and Disputes

IBAS Mortgage Shortfall Debt Claims Unit (IBAS was founded in 1992) - has many years experience in handling and resolving mortgage shortfall debt liability claim cases after home repossession/s. Following a repossession the sale of the mortgaged property can mean that a mortgage shortfall liability is immediately created. It is then that the lender will issue a claim for the mortgage shortfall debt after repossession and request payment, sometimes many years later. IBAS has a very experienced team providing a unique, totally independent, low priced professional, experienced and confidential service.

Anyone receiving a mortgage shortfall debt claim now from a bank or lender because of a past home repossession needs to read the Daily Telegraph article Why none of us is safe very carefully:

The only access now to this article appears to be by copying the following into a google 'search' 3361197/Repossession-why-none-of-us-is-safe.html

The Daily Telegraph article demonstrates the lengths lenders will go to to obtain payment and what you should not do after receiving mortgage shortfall debt claims.

Please note: IBAS only accept email enquiries on Mortgage Shortfall Debt Claims which also provide us with full background information to enable us to assess whether your case can be assisted under IBAS membership.

'Two liner' and requests for 'call back' emails will not be answered. Our team is fully committed to IBAS members - only those enquirers who are prepared to provide IBAS with full information on their 'case' will be responded to by email.

Contact IBAS to see how we may help you

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.


“When there were many creditors still chasing me for debts after my home had been repossessed 5 years ago the last thing you want was another 50k mortgage short fall. When all options had ran out there was only one thing left to do which was to declare bankrupt .however, just before I commit myself I embarked upon IBAS website in my search engine. After reading some testimonies I was a bit sceptic at the beginning because I had tried Financial Ombudsman and got nowhere. But it was my last straw so I thought I’ll give it a go .As soon as I became a member things got on pretty quickly. They gave me all the questions and I reply with all the answers. My situation was that it’s highly unlikely I can repay this kind of debt in my life time. IBAS accessed my situation and told me what would be the likely outcome of my case. IBAS had negotiated a full and final settlement offer to the lender on my behalf successfully. It was the biggest relief I had since I got buried in this financial turmoil. I can’t thank Sara Cummings and her team in IBAS enough .Thanks guys and deeply appreciated all your helps. Mortgage Shortfall people out there please go and find out more.” - Mr C - November 2016


IBAS launched in 1992. IBAS is a specialist unincorporated business banking membership organization assisting those with business banking account disputes and business banking debt disputes by analyzing and investigating business bank accounts, banking contracts, business banking account facilities and banking debt recovery information. IBAS business banking dispute negotiating experience and proven strategy provides claims and defences for business bank customers. IBAS has excellent banking investigation reputation - IBAS has also featured on BBC TV, ITV, Meridian and Sky News and in Sunday Times, Times, Daily Mail, Daily Express and Daily Mirror editorials.

The following pages show how others in fear from a mortgage debt have already obtained resolution:-   

 Mortgage Shortfall Testimonials

Mortgage shortfall claims case studies and testimonials

Mortgage shortfall debt resolved

Mortgage Shortfall Debt Claims Advice & Shortfall FAQ's

Mortgage Shortfall Debt Claims

The information in the pages below show why customer's responses and telephone calls to lenders are dangerous.

Mortgage Shortfall

Mortgage Shortfall Debt Claim Survey

The above information evidences how lenders pursue mortgage shortfall debts and also why 12 year old mortgage debts (and sometimes much older debts) are 'chased' by lenders in order to gain an admission of the debt and obtain payment once repossession and sale of the property has taken place. Lenders pursuit of payment or gaining an early 'admission of the debt' can be extremely 'vigorous' and may appear intimidating in their seeking payments from mortgage shortfall debt claims or shortfall demands for payment of a claimed mortgage shortfall debt.