Independent Banking Advisory Service 

Established in 1992

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Bank Mortgage, Personal Guarantee Problem/Dispute?

Business Banking mortgage dispute? Director's Personal Guarantee/guarantee/indemnity issue/problem? Need to resolve urgent personal guarantee debt or business banking dispute? Worried about your bank's threatening behavior? Bank demanding payment of your director's personal guarantee or threatening legal action? Bank requesting you complete 'personal financial/assets and liabilities' following a personal guarantee (PG) debt claim?

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 comments on UK banking news 2017

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 as evidenced in IBAS UK Banking News and Comment Archive.

Commercial Property Mortgages - IBAS has seen commercial property mortgages during the last year where the bank has incorrectly charged interest and also incorrect margins as far back as 2005 up to date. That can also mean the bank has involved their 'Specialist' bank department who have inflicted Excess and Penalty interest on Commercial Property Mortgages where they should not have done so - reducing company profits and opportunity. This is not just one bank. The amounts are considerable. The results of such bank conduct if left unchecked or unidentified where the company trading is already reduced or is under pressure will inevitably create a default. That in the circumstances outlined would represent a 'False default' which is 'created' by the bank. That creates an insolvency situation where the bank's conduct can go entirely unnoticed despite property and assets being devalued and then 'lost' by the business. At that stage, Director's personal guarantees to the bank will also be 'called upon'. The FOS only deal with smaller company matters. Therefore, if your business has any doubt/s regarding a commercial property mortgage, it's term, payments made or the bank interest that has been taken or charged contact IBAS now with your details to make certain that your position and your company position is properly protected and also documented.

‘We were very grateful for your assistance at a very difficult time for us. You provided good and timely advice and it was useful to have an independent perspective on the case. You also acted as a buffer between ourselves and the bank which perhaps moderated their dealings with us and bought us some time in which to organise our settlement. You were also good value. We still believe that the bank behaved badly but unfortunately that seems to be the way of the world today. Thank you for your help.’ From SAC January 2013

I understand that so many cases are lost before they start because under threats from the bank the customer provides an offer of payment - without understanding there may be a defence to the bank's claim. Having been induced to make that offer, the bank then goes for the jugular. Apparently I am one of a very small band of successful litigants, which I wouldn’t have been without IBAS behind me. - DeeJay  

IBAS is totally independent and our experience is gained from numerous business banking investigations across all UK industries from our ‘case work.’ IBAS research on Bank overdrafts and business banking account charging allows IBAS to challenge banks hard on their actions and performance and provides a strong banking negotiating position. IBAS provides unique specialist and confidential, professional business banking advice and direct assistance without any conflict of interest.

Bank Complaints, Defaults, Payment demanded or Demand for payment, Debt Judgment, Interim Charging Order, Charging Order absolute, Order for Sale threatened - each part of the banking process in chasing payment on a secured debt adds considerable additional cost and interest. Those extra costs are added to the original debt being claimed.

Just received a 'letter of concern'? If you have the 'Letter of Concern' is a direct threat to you and your business. If the 'Letter of Concern' is not dealt with properly it can start a spiral of business decline/ destruction. It may also mean that your Personal Guarantees and/or personal assets (home) are at greater risk. IBAS provides specialist assistance for businesses in such matters.