IBAS Testimonials





Business Banking Account Dispute help





IBAS Benefits










Business Banking





Bank Mortgage





Business Bank Overcharges





Director's Bank Personal Guarantee





Business Banking Solutions










IBAS Site Map





UK Banking Litigation Report





Banks MPs and Government















Email IBAS







Established 1992


Independent Banking Advisory Service (IBAS) site map


our site map provides web site pages in the page 'content' below



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

IBAS web site pages are intended to provide general information.

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

Comment and/or all information within the IBAS Web site

should not be relied upon for advice to you.


Those seeking independent advice or guidance



should contact IBAS



and also provide their business banking dispute information.



BBC Testimonial for IBAS at: Your Money Not a moving account





IBAS has 30 years continuous business banking dispute investigations and negotiations experience with all UK lenders.


We provide professional, confidential guidance and direct assistance to UK directors and proprietors.



IBAS are independent specialist investigators in UK business banking disputes, bank debt claims, Directors Bank Personal Guarantee and Business Mortgage Debt Claims.

The continuous, combined experience of UK banking investigations and UK banking case law since 1992 is offered to those fortunate enough to be offered IBAS Membership for their business banking dispute. IBAS experience and knowledge has saved many homes from being taken by banks after the bank demand on a Directors Personal Guarantee has threatened them.


IBAS limit cases to accommodate thorough in depth investigation of documentation.


The interests of the bank business customer is our major focus.



IBAS acts for UK Business banking customers with business banking account concerns, disputes, issues, problems and business banking litigation disputes


IBAS does not act for Banks.









Independent Banking Advisory Service (IBAS)

Director's Personal Guarantee information below:



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

Contact IBAS now




Independent Banking Advisory Service (IBAS)

Business Banking information:























IBAS Benefits












IBAS Site Map






Business Banking Solutions






Business Problems with Banks






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






Discover Secrets to eliminate anxiety and distress from UK Business Bank debt claim






PPI the Banking 'Scam' that became a Public Relations Disaster






2007 The Year that Reckless Bank Lending Made History






The thieves who cash in on our money






Putting Banks Straight






Perfect Partners






How did IBAS originate and why






UK Banking Litigation Report






IBAS Contact Page






IBAS Privacy Policy and Terms and Conditions






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





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.



Please note: We remove editorial links when editorial links cease to function.

Content pages are only retained for our member's use and IBAS research.

You can navigate our site from this page using your browser.



Independent Banking Advisory Service (IBAS) - IBAS launched in 1992

as a specialist 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