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Independent Banking Advisory Service (IBAS)

Established 1992


Business Banking - Business Bank Account Dispute?


Commercial, Business Banking Debt Claims & Directors Personal Guarantee Debt Claims information provided on the Internet is confusing - one search will lead on to many more and with many pages completely out of date.

But, every business banking case will have very individual case facts.

That means each case requires specific advice if the bank customer is to stand a chance with any banking complaint or dispute.

IBAS has analyzed individual business banking cases and disputes for bank customers since 1992.

Those cases included litigation claims from Banks and other lenders where they used the top 10 solicitor practices instructed by banks in the UK.

IBAS has unique specialist ability and our analysts log patterns and strategies because IBAS has seen those same patterns and strategies many many times over and has gathered that information over a long period to assist those we advise.

Once a bank or major lender moves to the bankʼs ʻexit strategyʼ the customer must immediately plan to protect themselves against bank litigation or solicitorʼs bullying tactics.

IBAS can help business bank customers at the demand stage onwards to litigation - IBAS can also help the bank customer avoid the many pitfalls which destroy bank customer defences and leave the customer and their home vulnerable to the bank for the Bank to take personal assets and property.

Immediately banks and lenders move to their ʻrecovery phaseʼ litigation and litigation planning is in their mind. They are most interested in how they can take your personal assets and your home to pay them.

Bank Debt Recovery Units will push very hard for your early proposals and your personal financial information, regardless of your complaints. You may have valid defences to the bankʼs claim/s. But Bank strategy is to get to the legal claim against the bank customer quickly.

Bank disclosure prior to litigation is limited to what the bank can 'get away with' - even after litigation commences business bank customers may find the bank is not 'helpful' or just decline to provide or argue about the information requested.

Banks will and do deny bank customers important information after demand has been made and once Litigation has been initiated by the bank - Bank strategy is based on their ability to deny and conceal all or any of the important information which may assist the customer.

Prior to business bank customers even considering mediation, conciliation or negotiation, business banking case files require specialist investigation of the facts - so that the bank is not easily able to conceal the facts they do not wish to disclose.


Interested in IBAS help and assistance then email us with your banking situation.


IBAS case work is managed using case based reasoning which has been enabled by our gathering case information since 1992 - this allows IBAS to effectively profile your case and ʻfactor inʼ our knowledge of your lenderʼs banking strategy and their previous behaviour from IBAS historical data archives to assist you and progress your case.

IBAS will investigate UK business banking ʻcasesʼ and connected business bank accounts ʻin houseʼ and IBAS will investigate any corporate or business banking complaint which has merit following our initial assessment of the complaint/s.

IBAS provides the most efficient and professional opportunity for success on bank debt claims on Directorʼs Mortgageʼs secured on personal property and Directorʼs personal guarantee debt claims.

It is usual for IBAS to find banking errors, mistakes or irregularities which allow us to provide successful defences to banking claims whilst protecting members from being bullied by the bank.

Banks know that IBAS will scrutinize the details of their debt claim and that our analysts will analyze the claim from the customerʼs perspective and first we will assess and investigate any ʻissuesʼ which affect the debt claim for the customerʼs benefit.


We have 30 years specialist business banking investigations experience and knowledge for you to rely on. IBAS should be your first contact as your completely independent banking specialist.


Do not wait until the bank has taken control and is telephoning you personally and regularly to increase the pressure on you.

Do you want to delay the bank progressing to a legal claim?

Want to survive Bank Debt Recovery?

Struggling with Bank Debt Recovery tricks and tactics?

Do you want an expert with experience to test the bank's debt demand against you?

Do you want to protect your home?

IBAS has been providing exceptional results for business banking customers since 1992.

For IBAS help and assistance email us now with your banking situation.


Outsourcing and using IBAS - we can be a vital tool for your business.


IBAS involvement will provide professional banking input and banking expertise which will inevitably reduce direct friction with a lender when assessing business banking facilities or account charging, account overcharging or in any other business banking dispute.

Using IBAS allows your business confidential, remote access to much greater expertise than is possible within most SMEs and is an efficient cost effective way to allow speedy evaluation/s of specific contracts or facilities and have input provided directly to the CEO or Managing Director or partner. That allows companies to double check with banking professionals before they sign into agreements which may otherwise prove detrimental i.e Fixed rates and SWAPs.

Technology is moving now at a rapid pace making businesses more reliant on digital communications than face-to-face interaction which is ‘driving’ remote working with ‘experts’ and ‘contractors’ so that specialist input can be provided without the large expense involved in employing extra expensive specialist staff.

SMEs can now ‘draft in’ IBAS as their own experts in business banking dispute management to investigate and manage a banking dispute or for a specific banking overcharging issue on a short term basis.

The benefits of IBAS banking expertise as an external ‘expert’ may also provide an integral part of a successful small business strategy for growth and efficiency, adding valuable support to existing internal book keeping staff enhancing the business’s internal financial performance.

Tight margins and cash flow mean that SMEs can consider outsourcing important and specialist work to ‘experts’ in their field such as IBAS as a cost saving benefit. By doing so they will not only obtain very specialist assistance. They will also contain costs to specific areas, which will enhance the SME’s management expertise and knowledge, whilst avoiding unpleasant tension, unhelpful personal banking confrontations and add further protection for the business.



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Many of the successful IBAS cases were originally turned away (by solicitors) because they saw no basis for arguing the debt being claimed.

In most of those cases the solicitorʼs advice was to settle in full with the bank - which would have delighted the bank - as afterwards IBAS contested those cases using our knowledge and experience - why? - because some bank debt claims have no legal basis on which to claim the debt alleged to be owed to the bank.

Some bank debt claims formally claimed by a demand on a Personal Guarantee have no legal basis. Many cases where bank debt claims were settled should not have been.

For some ʻadvisorsʼ - 'settling' a £100k bank debt claim for £50k might appear to be a good result - however, if it is not legally owed by you to the bank or lender - it is then a very poor deal.

Often Banks 'take' customerʼs personal assets for an 'alleged' bank debt claim, whilst also claiming an inflated debt or by using an unproven ʻlegalʼ claim because bank customers lack essential knowledge or business banking survival skills required to combat the bank's debt allegations.

If the bank is legally owed nothing they should be paid nothing.

IBAS has had continuous business banking dispute investigations, negotiations experience with all major UK lenders since 1992 and we provide professional, confidential guidance and direct assistance to directors and proprietors requiring assistance with their business banking disputes.

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 expertise in utilizing our specialist banking knowledge.

IBAS specialist banking knowledge is the key to our member's success and the 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.


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






Personal Guarantees on Bank Business Debts or business banking debts or disputes for Limited Companies allow the bank to claim a debt is owed personally by the personal guarantor if the business fails or the Limited company cannot pay the debts claimed on the bank's demand.


It is not enough for a personal guarantor to resign from the company. Even even if a company director resigns as a director that may not protect them from a bank claim on their personal guarantee for debts owed by the business whilst they were still directors or partners. If you need to have a release/discharge/end/finalize or 'determine' a personal guarantee you will require specific advice to make sure the Personal Guarantee is no longer 'relied upon' by the bank.


Why use the Independent Banking Advisory Service (IBAS) for your Business Banking Dispute?


IBAS was established in 1992 and is totally independent. IBAS business banking investigations have been the ʻcorner stoneʼ in the many successful IBAS cases and resolutions since 1992.

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 and you may be very confused and now be seeking fully independent advice, guidance or help. IBAS will know from many years experience how best your dispute may be 'handled'.

IBAS investigations and investigatory experience with audits and interest overcharging has meant that many bank claims have been considerably reduced or completely dropped.

We know from our ʻcase workʼ and also the many meetings with Bank Debt Recovery teams just how much information banks hold for their use when they demand payment for business banking debt claims or directorʼs personal guarantee debt claims.

IBAS first priority in any business banking ʻcaseʼ is to obtain all information from the business customer and also from a bank, which we know is necessary to determine the strength of the bankʼs claim on the customer.

Our first priority is the same whether it is a business bank account debt in dispute or a debt claim after a business failure where the bank seeks payment from a directorʼs personal security or directorʼs personal guarantee.

Personal security may be by a bank guarantee or directorʼs personal guarantee and directors personal guarantees may also beʻsupportedʼ by a bank mortgage on an individualʼs personal property, which may be either jointly held (joint and several) as security with others or severally (individually) held.

We have found from experience that early ʻpaperworkʼ for assessment in many business banking cases is limited, as business owners, directors or partners do not have copies of important documentation on which we know the bank will rely.

Those in business banking disputes are also rarely aware of how the banking debt recovery system operates or how devious bank recovery officers can be in seeking their first priority - payment of the debt - regardless of the specifics of the customerʼs business banking dispute.


That is why we would never suggest that any business customer in dispute with the bank uses the telephone to ʻdiscussʼ any matter with their bank.


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




IBAS provides experienced specialist and practical advice to IBAS members on how best to deal with and control the bank’s ‘collection’ activities after demand of the debt has been made on a Director’s Personal Guarantee or on a business banking dispute.

What can you do and how best to do it?

Can you 'get out of the personal guarantee' - is it possible to do so?

Can you dilute your director’s personal liability under a bank’s director personal guarantee debt demand?

Those questions have been asked many times where IBAS investigate bankers and bank actions on business banking disputes and bank debt claims.


Do you want to delay the bank progressing to a legal claim?


you need IBAS expert experience and assistance


IBAS has been providing exceptional results for business banking customers since 1992


IBAS has been analyzing business/commercial/corporate bank accounts and banking contracts since 1992. Our experienced 'eye' and detailed investigation of the charging structure against the banking contracts is essential if the business is to recover losses fully. If the bank has intimated placing an account into 'recovery' or a 'specialized relationship unit' - our investigation may provide 'negotiation' ammunition and can protect your business. All charging investigations rely on the detail from the 'paperwork' provided or available for us to then establish whether a full investigation is necessary.


The following statement is posted online by one of our members: "The fact that IBAS have the knowledge and provide assistance in formulating the strategy, which was provided to me under membership and which provided the necessary case law ammunition and support (letters continually making the correct points) to prevent the bank gaining the upper hand - that strength of position then also enabled me to 'face off' the bank's threat (although the bank/solicitors knew their claim was flawed) and this strength of resistance then forced them to discontinue their action - this is all a matter of fact and something which IBAS should be very pleased about." Source

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   

The above case illustrates how cautious bank business customers need to be when dealing with any bank on a Director's Personal Guarantee 'call' or banking debt claim. It also illustrates, how IBAS advised and guided with the best strategy to enable bank disputes and bank business debt claims to be resolved in the customer's best interests.


'I found IBAS to be Impressive & professional with no nonsense. I followed IBAS strategy totally and the result was spectacular. Thanks for putting my life back on track and saving me a bucket load of money - I cannot thank you enough. I would now start with IBAS and ignore all the others who are 'selling' an imitation of these guys but without IBAS knowledge! - AT November 2016


As one member wrote in: "What benefited us the most was your concise & well thought out advice, very good knowledge/experience of how the banks work, prompt responses and sensible/pragmatic approach". It is not unusual to see Company borrowings being used to threaten business ownersʼ homes.



When IBAS investigates business banking dispute ʻcasesʼ our investigation/s focus on the Bankʼs actions in all matters. IBAS will question and will seek specific information necessary for your case.


After company dissolution banks will attempt to prevent discovery of often essential documents to enable the Bank to make a maximum claim and recovery from your assets.


IBAS protects our members from the bank's hostile intentions and actions.

Are you now personally in debt or liable for a debt claim from a limited company guarantee you provided whilst a Limited Company Director?

Do you know what options you may have to settle the bank's claim?

Can you protect your home from a bank's debt claim?

All bank demands are a direct threat to you personally if you signed a personal guarantee whilst a Director in a limited company or partner in a partnership. A demand on you personally (if not dealt with correctly) may mean that your personal assets and your home are now at much greater risk from the business or limited company debt.

If you are (or were) a company director and have provided a bank with your personal guarantee but have now ceased to be involved with that company/or the company or business is failing - call us for assistance. IBAS provides specific advice on how Personal Guarantees may be reduced, settled and/or eliminated.

During the mid 1990's IBAS introduced 'in house' bank interest auditing so that we could directly analyze and check bank interest charges on business bank accounts and analyze individual bank 'trends'.

IBAS bank interest auditing unit also provided an additional specialist investigative 'tool' for IBAS use in 'case work' investigations where business bank accounts have provided banks with 'disputed' funds and bank errors and overcharging occur.

IBAS has obtained in excess of £21 million in refunds, write-offs and write-down of bank debt (we stopped 'counting' some years ago) from investigations of UK Business 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.

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.


Last modified: 15th September 2021