Za početak, trebalo bi da podnesete policijski izveštaj, objasnite banci šta se dogodilo, a ako odbiju, obratite se advokatu. Advokat će znati šta da kaže, ali banke imaju dužnost pažnje; obično postižu dogovor pre nego što odu na sud jer znaju da je malo verovatno da će pobediti na sudu, a ako izgube, stvaraju presedan.
You could do all that yourself without a lawyer. And it wouldn't be your bank you'd be taking, it would be the merchant on the statement.
Banks are not legally obligated to raise chargebacks, its a voluntary scheme. But they do have a duty of care to act in fairness to all customers.
Given the amount of transactions to various merchants, it could be easy for a bank to prove claimant knew exactly what they were doing.
Lawyer might only tell you any of this after you have paid them.
