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Hello and thank you for contacting us. This is Dwayne B. and I’m an expert here and looking forward to assisting you today.
The experts aren't actually available to be hired by customers of the website. From reading your facts I'm not sure if you are wanting to hire someone or if you have questions you want to ask.
Is there a specific question with which I could assist?
I can provide information, and point you to where to find a lawyer but you have to wait until you hire them to actually get legal "advice" because that requires an attorney client privilege.
It is a good amount of facts and clearly points toward the type of lawyer you need.
You can find a lawyer to assist you by going to www.lawyers.com and in the section for Area of Practice enter Civil Litigation or Consumer Law. Either of those will have the skill set you need.
However, I still don't see a specific question on there. I can tell you that this is typical bank behavior which I have seen repeatedly. There is a shorter amount of time to pursue a bank under the statutes (and with the easier burden of proof) than pursuing "regular people". So banks are inclined to stall, delay and do everything they can not to pay. The facts you gave make it pretty clear that the bank is at fault and owes you reimbursement but you need to move quickly to sue them. The amount of time varies depending on the specific causes of action and that's a matter for you to discuss with your lawyer as soon as possible.
No, the website requires that work such as research be asked in a separate question and the expert then submits an "additional services" amount. In your case it will probably be a pretty expensive research progress because the legal databases are expensive per hour and then you have the expert's time added on there. I don't offer the additional services but a number of experts here do. However, the lawyer you hire to sue the bank is going to do the research anyway so I'd suggest just saving your money on that.
As to the statute of limitations it is at least 4 years for a breach of contract and can be 6 for a breach of a written contract (and most bank accounts would fall under the written contract). However, there are other statutes specifically directed at banks where the time limits can be as short as sixty days.
Writing letters and contacting the bank does not give you more time (known as "tolling the statute").
So you will definitely have one cause of action and there could be more.
As to the damages, I think that classification of damages is recoverable but it will take some work to set up the evidence to prove the amount. That's not a particularly hard thing to do, it just takes some thought.
Thanks for issuing your positive rating.
I am actually offline this evening and just stopped by the computer to check and see if anyone was looking for me.
If you need me to clear something up, please let me know. I understand the part about being distracted but it's our intent to make sure that the answers are clear and the customer understand so feel free to ask a follow up if you need to clear something up. I will see it and answer it in the morning.
Also, if you decide you want to change the rating to more stars (which is entirely up to you) I would let the moderators know. I don't know if they can change it but I can ask if you decide you want me to.