Monday, 1 February 2021

 What does IBAS Membership Offer You

Information from those we have assisted since 1992 show that other ‘advisors’, solicitors and also the Financial Ombudsman Service (FOS) only carried out very limited or basic ‘checks’ on UK business banking complaints. 

Basic ‘checks’ cannot and do not identify customer defences which would allow debt reduction or to eliminate a debt being claimed.

It’s clear that ‘other advisors’ provide advice and ‘outcomes’ without all the necessary facts. 

That will disadvantage or destroy the bank customer’s ‘case’. 

IBAS standard practice since 1992 has been to investigate bank customer’s business banking account disputes in considerable depth. 

IBAS has acquired specialist business banking knowledge from the many IBAS investigations of UK business banking account disputes since 1992. Those  investigations have provided experience and depth of knowledge which no other organization 'acting' for business banking customers will have available to them. 

If you have a UK Business Banking Dispute please email IBAS on the email contact form with your specific questions - we will explain what can be done.

IBAS therefore has the knowledge and experience to protect you from the bank's often hostile intentions and actions provided we are able to act for the bank customer at an early stage and before all the mistakes are normally made by DIY defences and non valid defences which are then easily struck out by banks and additional costs added.

Banks will produce documents which they will rely on for their legal claim on the bank customer but it's vital to know which documents they are already hiding or which they will attempt to hide. 

Knowledge gained from many thousands of business banking agreements and contracts plus the Historical banking documentation & Historical Bank Regulators  'positions' from IBAS carrying out extremely detailed business banking case investigations provides our investigations team with the ability to pick up the unusual or abnormal banking acts or procedures. 

The unusual or abnormal banking acts or procedures in specific Bank documents then alert us to a deeper forensic examination being required.

Therefore, obtaining only bank information which the lender want you to have can be disastrous for the bank customer as they are led into a trap which the bank/solicitor has set for the.  

Then, if you receive poor/inadequate advice from your  advisors without their fully investigating the bank's position - your proposals to pay will not only immediately affect your home - but also your future.


Independent Banking Advisory Service (IBAS) - has continuous business banking dispute investigation negotiations with all UK lenders since 1992. 

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

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

IBAS specialist business banking investigations knowledge provides IBAS with experience and knowledge that no other organization 'acting' for business banking customers can have.

IBAS business banking account investigations and 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 since 1992 provides extremely valuable insight and expertise for current IBAS investigations. 

We provide IBAS business banking investigations for UK bank business banking disputes and Submissions to Regulators and Independent, confidential, specialist business banking advice and direct tactical guidance on business banking accounts and facility documentation, business banking secured, unsecured lending, liquidation, receivership and debt claim disputes to UK Company Directors and UK companies.

IBAS is a unique specialist Business Bank customer membership organization which has dealt with large numbers of UK business banking case dispute investigations and resolutions since 1992.

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 

IBAS specialist Business banking knowledge and our experience in business bank account analysis, enables effective and economic business banking resolutions for business banking customers.

UK bank business debt claim demands or Director's Personal Guarantee Debt Claim demands from Limited Company debts, UK Director's Personal Guarantee debt claim demands and director's personal guarantee debt claim disputes are independently investigated, negotiated and resolved by IBAS.

It would be impossible to show our experience and knowledge from 30 yrs of banking cases in a few web pages 

If you have a UK Business Banking Dispute please email IBAS on the email contact form with your specific questions - we will explain what can be done.

IBAS protects bank customers from the bank's often hostile intentions and actions.

There is no other non - profit UK organization providing independent and specialist individual business banking advice and specific assistance to members.


It is a fact that all banks spend considerable time and effort 'drafting' their Final response letter to the customer because they know that their Final Response letter is designed to persuade the Financial Ombudsman Service (FOS) to the Bank's position. 

Bank Final response letters are drafted and written by legally trained bank staff who are also communicating with the FOS daily and they are completely aware of FOS decision making - on a daily basis.

Banks possess very distinct advantages over their customers. 

Those advantages include legal knowledge, experience of ‘complaint casework’ and knowing what is effective (for the bank). 

IBAS will carry out fully independent investigations of business bank accounts based on relevant customer complaint. 

IBAS will provide tactical guidance and guide you with your 'case'

IBAS will use historical banking account errors/bank charging mistakes and bank overcharging claims evidenced by IBAS account investigations and calculations to enable effective current business banking account complaint progression. 

IBAS has been calculating business bank account and overcharging complaints since the mid 1990's

IBAS account investigations will enhance the customer's complaint with substance and evidence bank errors to the customers advantage. 

IBAS will provide the business banking customer with essential expertise which is required for  successful business banking complaints. 

If you truly believe you have legitimate complaints in your business banking dispute or your business banking account debt dispute IBAS knowledge, our bank information from current and historical case work since 1992 and experience is essential. 

If you have a business banking case and are being threatened by the banks recovery team and also a legal claim based on the bank's claim or demand or by Receivers or LPA Receivers then an IBAS investigation will substantially improve your chances of obtaining the best possible result for both you and your business.

Changes to regulation and the bank regulators from Bank of England - FSA - FCA and historic voluntary codes of conduct - IBAS have been around for all of those regulatory changes. We have recorded the changes as they occurred for our own records and IBAS use in business banking case work. In some cases that specific knowledge has been the vital cog in the wheel of a very good resolution.

IBAS is a professional, confidential guidance and direct assistance organisation providing UK Businesses with business banking account problems and disputes assistance and IBAS is an organisation which can help you with bank litigation.

IBAS provides good specialist advice and resolution and when IBAS is involved immediately after bank demand for payment, we aim to obtain all information which we know is necessary to assess legal arguments against existing case law.

As a Director, Partner or Proprietor with a UK business banking dispute or business banking debt claim you may have already received 'conflicted' advice, maybe from the bank, your accountant, Insolvency professionals or solicitors. 

IBAS will know from many years experience how best your dispute may be 'handled' and offer value for money services. 

IBAS experience with audits on bank interest overcharging has meant many bank debt claims have been considerably reduced or dropped once we have concluded our investigations.

IBAS lay the groundwork for successful defences - by first preserving defences which exist 

and yes, we have been involved in cases which have been won by our members in the County Court, High Court and the Court of Appeal. 

ILA (independent legal advice) Confirmation Certificates - provide banks with additional assistance. Banks and other lenders rely heavily on a solicitor providing them with their signed confirmation that they have provided independent legal advice to the bank's customer - which if correct then prevents the customer saying later that they relied upon bank advice or misrepresentations prior to signing documents.


But, in our investigation those specific documents may not be what they first appear - as banks are required to provide truthful information for ILA to be properly obtained - IBAS has found that careful investigation can find an ILA Certificate to be unreliable.

Waiver of ILA (independent legal advice) - bank customers signing a waiver of ILA provides the bank with confirmation that the customer has been offered ILA but has refused ILA (by the customer signing the waiver). 

Banks and lenders use the signed ILA waiver document as evidence of their security position and in order to eliminate many of the misrepresentations claimed by bank customers. Again, the waiver may not be what it seems - IBAS investigations have provided evidence to discount dubious ILA waivers.

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

Many solicitors and barristers have approached IBAS for assistance since 1992 - with many clients claiming the bank had acted dishonestly, incorrectly or very badly to the detriment of the customer

- often factual information was lacking and IBAS business banking investigations were then required to provide facts and the precise calculations to prove the facts. 

Example One: Home possession case: The bank sought possession on the basis of an amount they claimed was owed to the bank after demand on a personal guarantee debt which was supported by a bank mortgage over her home.

However, the customer believed the debt was inflated by bank overcharging. 

The barrister sought the facts to undermine the bank case for possession. IBAS carried out calculations requested by the barrister to establish the charging for the previous six years based on the banking facilities provided by the bank. 

IBAS investigation of the 6 years of business bank statements and facilities up to the bank demand showed no evidence of overcharging. 

However, our team perceived anomalies just prior to the six year period and we requested the instruction to proceed further. 

Our further investigation beyond the six years proved that the bank had been overcharging interest on balances and that the bank had inflated the balances shown by previous overcharging.

Therefore, the debt claimed by the bank was totally incorrect and there was a substantial defence to the bank debt claim

Conclusion: The overcharge and the defence to the bank claim would have remained concealed without IBAS investigations - which provided the evidence for the barrister to counter the bank claim for possession. 

Example Two: Mrs H was deceived by her husband who borrowed funds against their home - the bank attempted to enforce against the wife for the secured debts on their home because of the husbands business debts. 

Mrs H was introduced to a solicitor by CAB but he proved to be unable to protect her position and his competence was questionable. 

IBAS investigation of Mrs Hs position led us to conclude that her case was much stronger than her solicitor had attempted to put forward and her solicitor appeared to be accepting the bank position much too easily. 

Our conclusion was that she required much better representation and we offered our assistance. 

The case was eventually heard in the Supreme Court and Mrs H won her case on appeal.

Conclusion: IBAS knowledge, input and guidance was instrumental in this case reaching a successful conclusion in the Appeal Court. 


BBC Testimonial for IBAS can be found at: 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 also 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: 14th October 2021