What should I do if I receive the Notice of Pre-litigation Mediation from the bank?

Legal analysis: receiving the legal notice from the bank is not a lawsuit, but a lawyer's letter from the bank. If the parties fail to reply or negotiation fails, the bank may bring a lawsuit.

A lawyer's letter refers to a professional legal document made and issued by a lawyer to disclose and evaluate relevant facts or legal issues, and then make a request to achieve a certain effect. A lawyer uses a lawyer's letter to make a legal evaluation and risk assessment of a fact, with the purpose of informing the client of the legal facts with the legal scale and the lawyer's judgment, so that the client can get his own "legal evaluation", that is, "conveying the law to express his own meaning". Its essence is a legal act of entrusting an agent to express his will, which plays an important role in safeguarding the legitimate rights and interests of the parties.

The usual civil litigation steps are as follows, but not necessarily every procedure:

In case of dispute-obtaining evidence-notifying the other party or sending a lawyer's letter-negotiation and mediation-mediation fails, apply for arbitration-prosecution-judgment-appeal-second instance-retrial-appeal.

Legal basis: People's Republic of China (PRC) Civil Procedure Law.

Article 93 In trying civil cases, the people's courts should distinguish right from wrong and mediate on the basis of clear facts.

Article 94 Mediation by a people's court may be presided over by a single judge or a collegial panel, and it shall be conducted on the spot as far as possible. When conducting mediation, the people's court may notify the parties and witnesses to appear in court in a simple way.