John,
After the judge decides in your favour they appeal once to the high court and then on to the Supreme Court. And I think the reason is if they admit liability they are admitting to fraud. It's also designed to scare people off.
You will discover that it is the banks who choose and vote in the judges.
finally the banks have forced the courts to introduce a new law which puts the onus firmly in the hands of the buyer, but only effects new buyers. We remain under the old laws.
Bottom line is it's a farce. One case should set a precedent but this appears to be a money making racket that goes unchallenged. Pity it's not like ppi.
good luck, we all need it.
redman.