Established in 1992

Independent Banking Advisory Service (IBAS) Site Map


Independent Banking Advisory Service (IBAS) site map provides web site pages in the page 'content' below.


IBAS has featured on BBC TV, BBC TV News, ITV News, Meridian TV and Sky TV News since 1992.

IBAS has also contributed to banking editorials and business banking articles

for the Sunday Times, Times, Daily Mail, Daily Express, Telegraph and Daily Mirror.



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

see BBC Testimonial for IBAS in 1999 below

Your Money Not a moving account  - BBC 22/07/99




Directors UK Bank Personal Guarantee Debt Claim Demands and the IBAS Christmas Warning Post

Christmas 2019 is fast approaching and Banks will use their normal 'holiday' strategy on legal claims.

  • That means they will be already preparing their Christmas legal claims.
  • Many are prepared deliberately to drop through your letterbox just before 'close of business' on Christmas Eve.
  • Getting 'advice' for a Director's Personal Guarantee Debt Claim around Christmas and New Year is extremely difficult.
  • Banks know that - whilst they have easy access to solicitors at all times their customers will not.
  • Between Christmas Eve 2019 and 2nd or 3rd January 2020 is a normal holiday period for most in the UK.
  • Therefore, good strategy (although extremely unfair) for banks to issue a claim ready for 'service' on Christmas Eve.
  • The 'service' on you will be deliberately timed for maximum effect for the bank's benefit.
  • The legal clock starts ticking once a claim is 'served' which puts the customer under extreme 'time' pressure.

Losing 10 days in the Christmas - New Year period doesn't help those with legal claims obtain help.

  • Banks know that customers will be forced to react - which means many customers will also attempt a DIY response.
  • Banks love DIY responses, as they know they will normally lead to the bank obtaining an 'easy judgement'.


  • The customer just doesn't react at all and judgement is obtained by the bank by default.
  • DIY responses miss possible defences which are effective legal arguments to avoid 'strike out'.
  • We would suggest that anyone with a bank claim 'lurking' against them - obtains help.
  • Do not  get 'rushed' into answering a bank's legal claim without any help at Christmas.

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


Please note: We remove editorial links when they cease to function and content pages are only retained for our member's use and IBAS research.


Please note: All IBAS web site pages are provided for general information only.

None of the IBAS web site pages are intended to provide anything other than general information or general assistance.

No pages provide you with specific advice nor should they be interpreted as doing so.

Comment and/or information within the IBAS Web site should not be relied upon as providing any advice to you.

Those seeking independent guidance, should contact IBAS direct and provide us with their complete business banking dispute information.

If you're researching business banking disputes you can navigate our site from this page using your browser.

Sites removing/altering their editorial link information forces IBAS to remove links which no longer operate.


IBAS has specialised in UK business banking account dispute investigations and Director's Personal Guarantee business debt claims since 1992

No other non profit organization has IBAS experience or knowledge which will achieve the best result in your business banking or Director's Personal Guarantee debt claim dispute.

IBAS is the only UK non profit organization providing specialist business banking assistance and specialist investigations to business banking customers.


Last modified 16th November 2019