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Independent Banking Advisory Service (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, bank accounts, banking contracts, business banking account facilities and banking debt recovery information has been instrumental in our member's success.

IBAS comments on UK banking news 2017

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 is the only UK non profit organization which provides bank customers with specialist business banking assistance and specialist business banking guidance and investigations. IBAS business banking dispute negotiating experience and proven strategy provides claims and defences for business bank customers. IBAS has excellent banking investigation reputation and has also featured on BBC TV, BBC TV News, ITV, Meridian and Sky News and in Sunday Times, Times, Daily Mail, Daily Express and Daily Mirror editorials evidenced in IBAS News Archive.

Information on the Financial Ombudsman Service operation and FOS adjudicator's experience and 'qualifications', poor decisions and how they are made, plus other issues and adverse publicity which you will not find on their web site. If you are thinking of making a complaint to the Financial Ombudsman Service begin your research at this web site before doing so.

https://www.whatdotheyknow.com/blog  is mySociety’s Freedom of Information site. You can use it to make FOI requests, and it publishes them – and the responses you receive – for everyone to see. You might think that making a Freedom of Information request is something that only journalists or investigators do. But actually, one of WhatDoTheyKnow’s aims is to show that anyone can access this right. If there’s something you want to find out, and the information is held by a public body, WhatDoTheyKnow makes it very easy for you to request it.

'An accident waiting to happen': The failure of HBOS - Parliamentary Commission on Banking Standards - Fourth Report - Here you can browse the report together with the Proceedings of the Committee. The published report was ordered by the House of Lords and the House of Commons & printed 7 March 2013.

Bugger the Bankers - Popular 'sing a long' and a sign of the times!

Credit Union News available - The new edition of Credit Union News, which has a theme of collaboration at home and abroad, is now available to download. 

Experiences and opinions of Ex Lloyds TSB employeea ‘whistle blower’ at www.dontbankonlloydsethics.com.

The US whistleblowers site - check out what's happening in the USA - whistelblowers having an effect on changing business thinking and the law.

Graham Senior-Milne's web site http://www.happywarrior.org/widows/widows01.htm - well worth a read for those who believe their money is safe.

Recent bank scandals itemized and catalogued plus banking information- PPI, SWAPS, Barings Bank, other Derivatives and Nick Leeson plus other banking scams and scandals. Well worth a visit for the insight it will provide those who have a bank complaint/ dispute or want to make sure they do not!

Millions of Britons who receive scam letters and e-mails are urged to forward them on just the once - to the National Fraud Authority. The agency launched a new operation tracking down fraudsters behind the multi-million pound industry in scam mail. It wants people to forward e-mails to them see www.actionfraud.police.uk .

Bank current accounts challenge - The monopoly of banks and building societies on current accounts has been broken - Credit Unions have started offering fully functioning current accounts to their members after one successful pilot attracted 1000 customers  - unhappy bank customers now have another option to 'vote with their feet'.

Banks MPsandGovernment - Is your MP part of the banking solution or part of the existing banking problem - whether it's bankruptcy, bank profits, identity cards, hospitals or care homes - find out at this site

Greeting Card or card crafting inspiration - if you want to make greeting cards to relieve the stress from bank disputes and problems - or just for your own family and your enjoyment.

Having Their Cake campaigns for the kind of investment and industrial leadership which can develop Britain's natural innovative talent.

The Cruickshank Report on UK Money Transmission in Chapter 3 proved there was a banking monopoly by the big UK banks - a position that was not corrected by the Government. Bank consumers have continued to be 'ripped off' since this report was published. Serious lack of financial controls on banks at that stage (2000) hen led to the weaknesses which allowed the banks to exploit their position and inevitably created the 2007/2008 financial breakdown in UK and worldwide banking.

Full Hutton Enquiry information - 'whitewash'? The Independent included a large, mostly empty, white space above the fold on its front page containing just the word "whitewash?" in small red type - Dr Kelly apparently committed suicide in a field close to his home on 17 July. An inquiry was announced by the British government the following day. The inquiry was to investigate "the circumstances surrounding the death of Dr Kelly" read: A letter written by Lord Hutton, who chaired the public inquiry into Dr Kelly’s death, shows he was asked to do the job just three hours after the Iraq weapons expert was found dead

University of Essex- Prem Sikka - professor of Accounting at The University of Essex.  Interesting material on issues of insolvency and accountancy practice - See also: Lord Sudeley's submisson to the banking commission

Major Financial Scandal Site  - Links to sources of information on major financial scandals, bank frauds, money laundering, corruption, scams, organized crime, etc. both in Britain and abroad. Worried about UK Business Banking help issues? Already have a bank problem, dispute or bank complaint - a visit here may confirm that you're not paranoid.

The Building Societies Members Association  claims to represent the interests of all UK building society members through actions against malpractice, exchanges of information and by upholding the principles of genuine mutuality

The Information Commissioner - provides all Data Protection Act information -all questions and complaints regarding Subject Access Reports (SARN) should be directed to them.