I think that people, in their annoyance, seem to be vulnerable to people giving them very bad advice. They can't follow the logic of what is happening here.
You got say 10% compensation or €3,000 and you don't think it's enough.
You add up the distress caused and you think it should be €20,000.
So you go to a solicitor and you sue for €20,000.
Two years later, after ....
On such an afternoon, if ever, the Lord High Chancellor ought to be sitting here—as here he is—with a foggy glory round his head, softly fenced in with crimson cloth and curtains, addressed by a large advocate with great whiskers, a little voice, and an interminable brief, and outwardly directing his contemplation to the lantern in the roof, where he can see nothing but fog. On such an afternoon some score of members of the High Court of Chancery bar ought to be—as here they are—mistily engaged in one of the ten thousand stages of an endless cause, tripping one another up on slippery precedents, groping knee-deep in technicalities, running their goat-hair and horsehair warded heads against walls of words and
making a pretence of equity with serious faces, as players might. On such an afternoon the various solicitors in the cause, some two or three of whom have inherited it from their fathers, who made a fortune by it, ought to be—as are they not?—ranged in a line, in a long matted well (but you might look in vain for truth at the bottom of it) between the registrar's red table and the silk gowns,
with bills, cross-bills, answers, rejoinders, injunctions, affidavits, issues, references to masters, masters' reports, mountains of costly nonsense, piled before them.
you win your case and you get €20,000 plus the solicitors fees. So you feel happy and your solicitor is happy and richer.
But you could go to the appeals panel and within a month, they agree that you deserve €20,000 and you get it.
There are a few possible outcomes.
1) Go to the appeals panel and get awarded €20,000 a month later - everyone happy except the legal profession.
2) Go to the appeals panel and get refused - so you go to the courts anyway.You have lost nothing.
3) Go directly to the court and two years later get an award of €20,000
4) Go directly to the court and two years later your case is thrown out and there is a judgement against you for the bank's costs.
It's bonkers stuff not going through the appeals panels.
Brendan