forensic assessment of bank documents

Borrowers may have compelling reasons for a forensic assessment of bank documents. Disclosures can assist in defending themselves, their families and their Assets against Bank actions. Or perhaps challenging the historical lending activities &  of their banks in terms of Banks’ conduct in applying their own lending & securities policies. Asset tracing undertakings in family law cases can also necessitate such investigations. In certain cases fundamental irregularities may exist in  bank documents to such an extent that (if disclosed) these may either severely curtail, or even prevent the recovery activities of Banks & their legal teams. A starting point, prior to forensic assessment of bank documents  may be to obtain preliminary legal advice to ascertain if there is likely to be a positive Cost Benefit Analysis outcome. Then a potential Phase-1 action might be for the Borrower to present to their Lender, a Request for Disclosure Letter under Section 4 of the Data Protection Acts 1988 and 2003. This letter can compel the Bank to produce file copies of all lending  securities documents, within 40-days of receipt of such a letter. There may be key items contained in the disclosed bank lending & securities documentation. After  a Forensic Assessment by an independent Investigator (with appropriate experience in Banking Practices, and Institute of Bankers membership) – these may flag further action leading to a more structured bank forensic investigation. This in turn may assist in the achievement of a balanced & all encompassing negotiated full and final debt settlement.