When you used BB&T Bank, you entered into a contract which likely prohibits you from pursuing most legal action, thanks to an arbitration clause. However, you can sue BB&T Bank in small claims court. It is a lengthy and complicated process, but it is a good way to get what you want. We show you how.
Before you can sue BB&T Bank in small claims court, check that your case qualifies. Every small claims court has a different limit for what types of cases they will accept and it varies based on which state you live in. Pay attention to the following two things:
If your claim doesn’t fall within the limits of your state’s small claims court, you’ll have to arbitrate your claim instead.
Before you can sue BB&T Bank in small claims court, you have to ask the company nicely to fix the problem. This is done through a demand letter. The demand letter can be very simple. You have to inform the company who you are (your name, address, phone number and account number), what the problem is, and what you want from them.
Remember that the whole point here is to check a box and prove to the court that you did this so it doesn’t have to be a complicated letter. When you’re done writing it, you need to mail a hard copy to the official legal address:
CT Corporation System
160 Mine Lake Court
Raleigh, North Carolina 27615
If you would like examples of demand letters or more information about how to write them, you can find an excellent guide here.
Now it’s time to take those forms and file them officially with the court. This is a big step that usually requires you physically come to the courthouse to hand-deliver your forms to the clerk. In some cases you might be able to send them through the mail or fax but in most cases you have to come during certain hours and certain days of the week in order to sue BB&T Bank in small claims court.
You will be asked to pay the filing fee after which the clerk will take your copies of the forms, give you back your stamps copies, and give you a hearing date.
With all other work done you are coming to the tail end of the process. When your court date arrives, be sure to go to the right courthouse and bring your copy of all files forms.
Bring any evidence you have to prove to the judge why you decided to sue BB&T Bank in small claims court and why you deserve compensation.
This process could be resolved the same day if the judge makes a decision or it could go on for a few days or weeks depending on the circumstances.
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