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Independent Banking Advisory Service (IBAS) - 30 years continuous UK business banking dispute investigations and negotiations experience with lenders




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


- send us details of your dispute and debt claim with specific questions for which you require answers



IBAS business banking account investigations and analysis of UK business banking account disputes, business bank loans, business bank current accounts, business banking contracts, business banking account facilities, plus our knowledge of business banking debt recovery strategy since 1992 provides specialist business banking expertise for UK Business Banking disputes.


IBAS only acts for UK Business Banking customers - we do not act for Banks


IBAS aim is always to resolve a Business Banking Debt Claims before litigation and also to protect the business customer's assets whilst the FOS will not advise you on your complaint or help in any way to protect you.


We have saved many bank customers homes in the last 30 years - If we could show you how to save your home from a bank debt claim would you be interested?



TM in his testimonial for IBAS stated


This is a battle that we have won, which could quite easily have been lost had I not joined IBAS.

I would recommend them to absolutely everybody - TM Testimonial




IBAS assess specific documents from business banking dispute enquiries (by email) before we decide IBAS membership is beneficial to the customer so the the business banking customers time or our resources is not wasted.


August 2020 Testimonial: 'Thanks for firstly remotely assessing my bank debt claim complaint/s and then saving me time and money by advising me exactly how to achieve a successful outcome, without solicitors being involved.

Your remote working and knowledge based systems are remarkable. IBAS has saved me many thousands of pounds by obtaining all the facts, then advising me 'safely' on an effective resolution (without wasteful or ineffective 'face to face' meetings in the current Covid 19 'climate').

Brilliant result all round and very safe and cost effective for me. Carry on your good work' - AS's Testimonial for IBAS



IBAS is unique, a specialist Business Bank customer organization which has investigated large numbers of UK business banking case disputes leading to resolutions.


IBAS advises and guides UK Business banking customers with business banking account concerns, disputes, issues, problems and business banking litigations.


IBAS specialist experience of business bank account calculation and analysis, enables effective and economic business banking resolutions for UK business banking customers.


UK bank business debt claim demands or Director's Personal Guarantee Debt Claim demands from Limited Company debts, UK Director's Bank Personal Guarantee debt claim demands and director's Bank personal guarantee debt claim disputes are all independently investigated, negotiated and resolved by IBAS.


IBAS obtained in excess of £21 million in refunds, write-offs and write-down of bank debt for our members from IBAS investigations of UK Business Banking Disputes by 2002


BBC Testimonial for IBAS -Your Money Not a moving account


Email IBAS

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.






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. Our analysis and investigation of business bank loans, business bank accounts, business banking contracts, business banking account facilities and business banking debt recovery information has been instrumental in our member's success.


Modified: 29th November 2021