Can the bank increase a mortgage rate after signing a agreed mortgage rate?

I need to put up a medicolegal case against someone. What if in case the court denies accepting my case? What can I do in that case?

I entered into an agreement with interior designer for my home. The agreement copy was sent via email and accepted by me in same manner. Agreement mentions specific material to be used and duration on the work When first lot of material arrived, I found him cheating on this as it was not of the standard we agreed but very low quality and other local brand. When I pointed out, he said it was an error and later he said he won't work for me. When asked about refund, he said he'll refund the entire amount in 2 days but he never did. I even insisted that if you are not returning the paid amount (~ 50%) at least resume the work but he denied that too. Its been a while and now I am fed up of chasing him and getting harassed this way. Can I file a consumer case on him for refund as well as compensation? what should be my legal steps on this. Please help with your invaluable advice.

I would like to know about motor insurance when against vehicle hit my bike and get injured I got treatment CHARGESHEET in 338 can I get claim of treatment