How do you succeed against the bank?

You can succeed against the bank if you have a decent case. You have to take proper legal advice at the outset and be realistic as to what those prospects are. The Courts are now well aware, as are the public, of the disreputable behavior of the banks in relation to interest rate swaps and PPI mis-selling. But there is much more. They are selling their wares and can be as guilty as anyone of over selling or mis selling.

You succeed by not trusting the banks from the outset, not signing anything hurriedly or without reading everything. Enquire as to whether you HAVE TO sign. You take a very good contemporaneous note of any discussions you have with the bank. Where possible have a witness with you when you meet with the bank. Before you buy any product from the bank, shop around. Remember when you sign, the Terms and Conditions are generally on the reverse of whatever you are signing, and you will be bound by them. Seek legal advice whenever you feel unclear about any aspect of your relationship with the Bank.

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