IBAS - Independent Banking Advisory Service 
















Independent Banking Advisory Service (IBAS) site map provides web site pages as below


UK Net Guide Banking Bodies Top 10 Site


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 also provide us with their business banking dispute information. Please note: We remove editorial links when editorial links cease to function and content pages are only retained for our member's use and IBAS research. If you're researching business banking disputes you can navigate our site from this page using your browser.


IBAS specializes in UK business banking account dispute investigations and business banking debt claims and has done since 1992


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


IBAS - the only UK non profit organization providing specialist business banking investigations to business banking customers.


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?







Discover Secrets






Email IBAS



IBAS Testimonials



Personal Guarantee Advice on Demand for Payment


Personal Guarantee Demand for Payment


Personal Guarantee or Personal Guarantees and Indemnity



Personal Guarantee or Personal Guarantees






Received Bank Personal Guarantee Debt Claim Demand?



Personal Guarantee Request a copy from Bank



Comparison on PG Debt call for Joint and Several debt claim



Directors Personal Guarantee through Financial Ombudsman Service Complaint




IBAS Benefits






IBAS Site Map



Business Banking Solutions



Business Problems with Banks



Business Banking Account Disputes



Bank or Mortgage Problem



Business Bank Overcharges



Small Firms Loan Guarantee Schemes & EFGS



Cruickshank IBAS and Bank Overcharging



Mortgage shortfall debt claims and disputes






Banks MPs and Government



UK Banking Litigation Report



IBAS Contact Page



IBAS Privacy Policy and Terms and Conditions



How Did IBAS Originate and Why?





August 2020

'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 Testimonial


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