How does one take a bank to court?

revolu

Lord_Snoopy wrote: »

The bank says we must have signed something or they loan wouldn't have happened and 'why would we have allowed the monthly payments for so long' ... I've asked them for the last 6 months to show me a signed copy which they cannot do!!
My hunch is that one of the account managers just fancied his bonus/or just needed to meet his targets (bless him) and got over enthusiastic!

The new rules mean they dont need a signed agreement, they can do whats called a reconstituted agreement.
(basically they make it up from what info they have on you)

Forget about not having the agreement, a judge would take there version of events over yours any day.

So did you get a default notice? This could be your silver bullet if its wrong.

paddyrg

Taking Barclays to court is not hard. Hire a lawyer and (s)he will manage the process for you. I hope your case is watertight. Beating Barclays in court will be hard. And expensive. They have many lawyers. If you win, job done, nice one. If you lose, you have your costs, court costs, and their costs to worry about.

Lord_Snoopy

B.T.W. how does that THANKS button work anybody?

Lord_Snoopy

Thank you revolu ... erm what's a default notice?

~Brock~

Lord_Snoopy wrote: »

B.T.W. how does that THANKS button work anybody?

....you click it to say 'thanks'. If you needed that explaining I seriously suggest you forget about taking your bank to court.:rotfl:

Lord_Snoopy

MrRedundant are you secretly Peter our naughty Business Manager from 2006?

The bank don't have anything authorizing the loan .. 5 or 6 months I've been asking 'til I'm blue in the face for this signed doc.

Maybe I'm thicker than I already thought I was, but shouldn't I have had the chance to sign a document and then have a couple of weeks 'cooling off' to mull over and see if this was what I/we really wanted?

and yes the O.D. incurred a lot of interest but we, hopefully, with a bit of hard work and luck, could have zero'd it in 2 years.

I get shafted by a 15 year long business partner for the full outstanding debt, I then enquire who signed for this loan, as I knew I hadn't .. I find out that nobody's signed for this loan!
Couldn't this just simply be some kind of 'weird universal' wrong being righted?

Lord_Snoopy

Thanks Brock .. did it occur to you that just maybe I didn't have said button showing on my Page! That's why I asked!

Lord_Snoopy

...and still don't!

~Brock~

Lord_Snoopy wrote: »

Thanks Brock .. did it occur to you that just maybe I didn't have said button showing on my Page! That's why I asked!

Yeah but it was funny at the time

sharpy2010

Even taking out of consideration that the bank don't have a signed loan agreement (which did happen to me - they put the money in my bank account before I turned up to sign the paperwork; which I did, and duly paid back the loan in full, before anyone asks) then you have no hope of winning in court, they don't appear to have done anything wrong.

Forget it, its over. Pay them what you owe them.