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Legal Action Against Bank


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Evening All


I am considering legal action against my bank. I would like to know if during the legal process, they have the right to withdraw my bank account facilities?


I know they can do as per T&Cs as appropriate but i remember reading somewhere they cant do it while I we are going through mediation etc ?


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Receptaculum Ignis


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I think that you need to give much better details before anyone can advise you

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I think whatever the circumstances, they will make a case that the relationship has broken down.



There is, however, an implied term in your contract with the bank that they will not normally close a customer’s account without giving reasonable notice. Reasonable notice for private would be 30 days.

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But in practice they do just shut down bank accounts without notice so best have a backup plan and account. A friend of mine had his personal account and business accounts closed down and the first he knew was a bounced DD letter from a credit card. But it's the start of another long slog through FO and FCA etc and court to get any redress, meanwhile the bank accounts are closed.

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The terms and conditions of most banks will state that they can close your account for any reason by giving 60 days/2 months notice.

Only in certain cirumstances will they close your account immediately - e.g. if they believe you are doing something illegal/fraudulent, have been abusive to their staff etc.


(If you're considering legal action against a bank why would you even want to continue banking with them?)

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