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ptrslaton | I want to sue my bank for getting me in debt. Can I do this? |
I got into quite a lot of debt with my bank, and feel that they are partcially responsible. Obviously it was up to me, but they could have stopped it before it got worse, and now they are on my back. Can I sue them and take them to court, or will they just wipe the floor with me?! |
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Nick W
 |
You could attempt a legal challenge, but only on the grounds of them either misleading you (ie claiming something which in the smallprint wasn't the case) or denied you information about the lending conditions that contributed to your situation.
You may/may not get legal aid for something like that.... I'd go to the citizens advice bureau and see what they say. |
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Silke
 |
Who spent the money? |
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Princess
 |
I don't think you've got any chance at all. Sorry but YOU are responsible for your debts, you must have known you were spending money that you hadn't got. My advice would be stop blaming everyone else and get it paid off (no offence but I've been there myself many years ago and I had no one to blame but myself!!) |
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fel t
|
no you can't sue as it's your fault for spending more than you had. you can go to www.moneysavingexpert.com and it will tell you how to reclaim bank charges. e.g if they charged you £30 per unpaid direct debit. you can claim these charges back. but as for the debt that is all down to you i'm afraid |
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Franco
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I do not think you have much of a case. You knew your personal situation better than the bank and you thought you could repay the loan. You cannot now blame the bank. |
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Captain Sarcasm
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Are you serious or just trying to get a reaction from people?
I assume you are an adult (although from the tone of your question perhaps you are not) and as an adult you are responsible for your own actions. The bank did not force you to spend more than you earn.
Get to work, earn some honest money to pay your debts and stop looking for other people to blame for your irresponsibility. |
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mommyme
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I don't understand how your bank is responsible. The only way is if they scammed you into something |
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Quixotic
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Unless you are mentally incompetent in some way, I don't see how it's the bank's fault.
You will lose. |
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Kitty
 |
If you are asking in the USA then anything is possible... People sue over hot coffee and win.
Ultimately a Bank will laugh this off for you even signed papers saying you agreed to anything they had on paper and it means you agreed to pay them. Each individual is responsible for the debt they get into no matter what... NO ONE can make you go into debt, or do 99 % of life's other things, but you.
Good Luck. |
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katehughes2706
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I dont know which bank you are with, but I feel the same about my old bank which was Lloyds TSB. A few months after I switched, there was a Watchdog Special on TV about Lloyds, going back about 4 years ago now. And they let this man borrow £25,000 as he was unable to work due to illness and his debts had been mounting up and up. They said that he could only borrow this amount of money if he agreed to sign it with the insurance on the loan too which he did because he was so desperate for the money.
As it happens, he couldnt afford any repayments because his income was less that even one repayment, and the insurance was void anyway because it covered for sickness absence at work.
Watchdog went to them and they let him off the whole lot. Great result eh?
But unless yours was as extreme as that, I doubt you would get very far, but hey anythings worth a shot. |
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Brain
 |
you could if they are responsible. Watch the whistleblower tonight about how barclays have conned people.
You also have a right to write to your bank and claim back any charges thery have made against you in the last six years. Write to them demanding they pay you back all charges against you or you will seek legal action, it might be enough to clear you debt who knows. |
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bwadsp
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What do expect when you are dealing with a load of bankers |
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