Many citizens have recently been wondering how to sue a bank. In fact, this issue has been relevant for a long time. Yes, banks themselves try to act according to the law, and law-abiding citizens try not to bring the situation in one case or another to a judicial debate. But in life there are different cases. No one is safe from court and investigation. Especially when it comes to banks. How to protect yourself and your property? What to do if bank employees sue you? Is there any way to win this case?
When served
Which banks sue their customers? Everything. More precisely, those that issue loans. Now money is distributed by banking organizations very often. And after some time, problems begin. You can act within the law, or you can try to independently resolve the issue with debtors.
In any case, you should know exactly what to do if the bank has sued. For non-payment of debts, for example. It is because of this that banking organizations turn to the law. Usually with ordinary customers no proceedings occur.
That is, banks file a lawsuit only if there is debt from citizens. Most often - for loans and mortgages. In some cases, you have the opportunity to respond to this decision with a counterclaim. But how to sue the bank? What if this organization complains about you?
If filed on you
The bank sued. What to do? There are not so many options for the development of events. It all depends on your real life situation. Sometimes debtors (especially those on loans with large debts) simply try to avoid the presence of meetings. This is the first trick. If you cannot or do not want to pay a loan, you can simply hide from the bank, court and investigation.
The second option is to appear at the hearing and answer for your actions. Remember, judicial authorities are not always on the side of banking organizations. Now more and more customers are winning. In any case, in order not to be afraid, answer for your actions. Most likely, you will be forced to pay a certain amount of money on time. And continue to fulfill your obligations regularly.
Can I sue the bank in response? Also quite common. This process is worth a little more talk. Indeed, often banks themselves do not act according to the law, but they try to defend their rights by all means. Citizens simply have no idea how to protect themselves. Especially if they do not fulfill their obligations for good reasons, for example, when insolvency occurs. So how to sue the bank? What to pay attention to? And how can you win the case?
Where to go
For starters, where to go. There are many courts, disputes and violations, too. The question arises: which organization should I file a lawsuit with? If you have already filed a lawsuit, then everything is simple - bring a counter-charge in the same place where the claims are brought against you. And if not? What to do in situations in which the bank has not yet filed a lawsuit, but is only going to do so? Or if your rights were simply violated?
It is worth a good study of the contract with the organization. Often in small print there are items that relate to violation of the obligations of the signed agreement. And you can see which court to appeal to.
You can file a lawsuit in the court specified in the contract. Most often they turn to local courts or district courts. The agreement with the bank will help clarify the situation.
File a lawsuit
Suppose we choose an organization to complain about.What's next? Now you need to figure out how to sue the bank, as well as win the case. Of course, it all depends on your specific case. But here for the lawsuit will have to collect some documents. What is useful?
The lawsuit itself. Compiled using generally accepted rules. It must indicate the court you are applying to, information about yourself and the bank, as well as the reason for the claim. Your request is also written here - what result do you want to achieve during the debate. The date, signature, and information about witnesses who can testify are the next mandatory points.
Next - provide copies of your passport, as well as an agreement with the bank and its details. The agreement is best filed in the form of a photocopy, which was certified by a notary.
If you have any evidence of your innocence, they will also come in handy. All certificates and documents capable of proving an illegal violation of your rights should be attached. Without them, success cannot be achieved.
The invitation of witnesses has also been said. Very often it is they who help resolve litigation with banks. Especially if your rights have been violated repeatedly. Remember, individuals must be uninterested.
Solve the problem
Now it’s clear how to sue the bank. After your appeal, you should just wait for the meeting. And appear at him with witnesses, as well as evidence of his innocence. You do not need to forget about the violation of your rights. It is enough just to obtain evidence of illegal actions of the bank.
After the meeting, it will be clear who is right and who is not. In order not to be a loser, first, carefully study the contract with the bank. Then do not hide from the court. After all, such behavior will entail negative consequences. If you cannot come to court for good reason, send your official representative with evidence of your legal absence. Also try to comply to the maximum conditions of the contract with the bank. All this will help you win. Especially if you can prove that the bank acted against the law and flagrantly violated the terms of the agreement. There is one more little tip.
Collectors
If you do not want to think about how to sue the bank at all, and your rights have been grossly violated (with the involvement of collectors - they, as you know, act as they like, regardless of laws), you can contact special anti-collection services. For a fee, your intimidators will find the council, as well as help win the case. And file a lawsuit too.
Perhaps the involvement of anti-collection organizations in litigation with banks is the most successful, albeit costly, affair. In any case, if the collectors have already dealt with damage to your property, it is better to get evidence and the help of anti-collectors. This is the key to success. You can also win the court yourself, but you have to try pretty hard. Strong evidence and many witnesses are needed. Most often it turns out that winning a lawsuit against a bank is not such a difficult matter. The main thing is to properly prepare for it.
