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Best way to expose banks' unacceptable behaviour during bank charges fight?


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Hi all - well, as a formerly law-abiding person who'd never seen the inside of a court, I have completely revised my opinion of the English legal system during my four-year fight against the banks.


I am in the position of having won back £3,000 in bank charges, yet been made liable for just over that in court costs etc. by the banks who managed to beat me as a result of their lying, misinformation and flouting of the law during the cases.


Their solicitors have routinely lied, wasted my time and tried everything to get court orders through without me even knowing about them until it was too late - and following that, the courts have allowed them to get away with all manner of unacceptable behaviour, while losing my files and sending things to wrong addresses so that I had no opportunity to defend or to respond to judgments, resulting in a charge on my house.


Having had a claim set aside at one point due to there being no CCA in existence, I finally had to listen to a district judge, having ignored all my case law, decide I was liable anyway, because 'on the balance of probabilities' an agreement 'must have been signed' - so much for Section 127. After experiencing this lottery regarding outcomes, I didn't dare appeal in case the next few judges did the same thing regardless of the law, and I lost even more money.


I am spitting mad about what they've been able to get away with, and I want to ensure that it doesn't go unreported, but I have no faith in the legal system as a route to getting justice. At the moment I'm thinking that writing a book about the experience might serve to give me some satisfaction, and have in fact started one - but can anyone think of what else I could do to draw public attention to what's going on?


I would also like to hear from anyone else who has had an unenforceable agreement enforced, as I'd like to investigate the legal position, and why district judges seem to be making decisions they're not allowed to make.


Would appreciate anybody's litigation details, ideas, or support.


Many thanks



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Well sirensinger, if you have been around since 2006 then you will have read as many posts as I have of injustices from either of the sides of the legal spectrum. Judges who have no idea of the CCA requirements and the importance of the legislation or how to apply it to a situation, Barristers who go from one extreme to another by either also not knowing enough or knowing a great deal, but aware the judge is clueless and takes them for a trip to confuse, then finally the solicitors equally lacking in CCA knowledge and not picking up infinite details on an agreement or DN or Deed of assignment upon which so much depends for the Debtors.


It's not until you come across the likes of PT on here who knows exactly what he's talking about with the CCA that you get anywhere, but he's a very busy man as you might imagine. We need a few more like him to make sure these Judges do take notice of what is being said, but I've been in court both for myself and for friends as McKenzie friend where the solicitors or barristers have run the judge a dance, being a Litigant in Person is not easy these days as these barristers are getting wise to us and the Judges sick to death of CCA issues clogging up their court rooms.


Unfortunately I do not have the time or energy as a result of my own battles to get involved in your quest to reveal as there are not enough hours in the day to feed it all across, but I'm with you 100% It's a lottery, shouldn't be, but is.


If I can add anything along the way I will, but good luck with this - it'll be a slog but a book might be handy for some so well done, it certainly needs something.

Edited by andrew1
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