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Questions Answered by Adam Savett
1 Answer | Asked in Consumer Law and Banking for California on
Q: I am looking for a Lawyer from Bakersfield CA

to chack Nova Port Bank 1430 Truxtun Avenue 5th Floor they pushing me to pay more than 8800 $ for some AAC code to unblock my loan from Donald Shaw Loan Firm and is impossible to deducted it from my loan but I am afraid that it is a scam

Adam Savett
Adam Savett answered on Oct 1, 2019

It is a scam.

Run the other direction, fast.

There is no "Nova Port Bank" or any version incorporated in California. There is no ""Nova Port Bank" registered with the Office of the Comptroller of the Currency or any other federal bank regulator.

The address you gave is a...
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1 Answer | Asked in Consumer Law for Kansas on
Q: There are several nail salons in Wichita Kansas that refuse to honor gift certificates past one year of issuance.

What can be done about that? Who do I talk to ?

Adam Savett
Adam Savett answered on Sep 5, 2019

Kansas has a gift card / gift certificate expiration law (KS Stat § 50-6,108) that states:

Gift certificates or gift cards; regulation of; exceptions; definitions. (a) On and after January 1, 2007, no person, firm, partnership, association or corporation shall sell a gift certificate or...
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5 Answers | Asked in Consumer Law, Criminal Law, Personal Injury and Constitutional Law for California on
Q: I had a check returned and the small business is threatening to put my wife's and my picture on the wall. can i Sue?

i have txt message saying if you dont pay i will put pictures on wall of you.

can i sue for defamation why is he posting my wifes picture and also mine.

Adam Savett
Adam Savett answered on Sep 5, 2019

Perhaps offering to pay the outstanding amount of the returned check PLUS the bank fees the business incurred for the returned check would resolve the issue faster and easier for all involved.

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1 Answer | Asked in Consumer Law on
Q: I bought the "all access" ticket but I found out, there are just "virtual pass" ticket. So I think I was deceived.

The webpage where we bought tickets: https://www.eventbrite.ie/e/dublin-digital-marketing-conference-registration-54158921793?aff=ebdshpsearchautocomplete

Adam Savett
Adam Savett answered on Sep 4, 2019

I'm sorry that you feel deceived - I would suggest talking to the conference organizer and asking about a refund.

But I wouldn't hold much hope.

The event page states several times that it is an online / virtual event:

- "When & Where: Online: Live & On Demand"

-...
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2 Answers | Asked in Consumer Law on
Q: X uses Y's license in Z's showroom to showcase A's product, a box of jigsaw puzzle. Jigsaw puzzle is missing pieces.

If the customer wants to sue someone, who is responsible for the missing pieces in the product?

Adam Savett
Adam Savett answered on Sep 3, 2019

Sounds way too much like a law school question.

The jurisdiction where this occurred would need to be identified, and also any relevant contracts between the parties would need to be taken into account.

Lastly, who is the "customer" - all of the parties are simply identified by...
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2 Answers | Asked in Consumer Law for California on
Q: I noticed that my local 99 cents chain store charges $.99999 for items, rounding up to $1, plus tax. Is this legal?

In other words, they charge $1 for a $.99 items, adding hidden $.01 charge to each item.

Adam Savett
Adam Savett answered on Sep 5, 2019

There is no requirement that a "99 cents" or "dollar" store charge 99 cents (or a dollar) for items, unless they actually advertise that 99 cents / 1dollar is the price. Most such stores don't do so and often have merchandise that is priced higher than the store name would imply.

As long as...
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1 Answer | Asked in Consumer Law for Virginia on
Q: Consumer rights
Adam Savett
Adam Savett answered on Aug 30, 2019

Sometimes they have them, and sometimes they don't.

Depends on contract / statute /common law.

1 Answer | Asked in Consumer Law and Banking on
Q: Hi I've heard that banks have manipulated the price of silver is that true?
Adam Savett
Adam Savett answered on Aug 30, 2019

Yes, depending on what form of silver you are discussing and on what markets.

There have been guilty pleas from individual traders:

https://www.justice.gov/opa/pr/former-precious-metals-trader-pleads-guilty-attempted-commodities-price-manipulation...
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1 Answer | Asked in Consumer Law for California on
Q: have banks munipulated the price of silver?
Adam Savett
Adam Savett answered on Aug 30, 2019

Yes, depending on what form of silver you are discussing and on what markets.

There have been guilty pleas from individual traders:

https://www.justice.gov/opa/pr/former-precious-metals-trader-pleads-guilty-attempted-commodities-price-manipulation...
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1 Answer | Asked in Consumer Law, Contracts, Business Law and Collections for Pennsylvania on
Q: Help!

My electric bill has been unusually high, so I called them. They informed me I had a 3rd party supplier on my bill I was unaware of. I called said 3rd party and they informed me that I had added them to my account last summer. Going through the details it came across that my sister had given them... Read more »

Adam Savett
Adam Savett answered on Aug 30, 2019

I would suggest you file a complaint with the Pennsylvania Public Utility Commission.

Here is a link to resources on the process and directions on how to file a complaint:

http://www.puc.state.pa.us/filing_resources/filing_complaints.aspx

Note that the PUC specifically...
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1 Answer | Asked in Consumer Law on
Q: Explain

Mr Zondo invited 100 guests to his 50th birthday party held at an upmarket hotel in Mbombela. The hotel agreed to provide catering at the cost of R450.00 per guest. In order to avoid incurring additional costs, Mr Zondo had stated expressly on the birthday invitation that none of the invites should... Read more »

Adam Savett
Adam Savett answered on Aug 30, 2019

Boy, this sure sounds like a first year law school question!

Without knowing the jurisdiction in question, it would be hard to give a definitive answer.

1 Answer | Asked in Consumer Law for Maryland on
Q: Do I have to return the wrong order I received?

I purchased shoes online and received some that had clearly been used and returned. I am being asked to send them back before anything can be done and that is upsetting me. Do I have to send it back for them to refund my money or help me at all?

Adam Savett
Adam Savett answered on Jun 26, 2019

It depends on the terms and conditions of the website that you bought the shoes from.

Generally, they can specify what their return policy is, and most websites force you to agree to the terms and conditions before being able to place an order.

Best of luck.

1 Answer | Asked in Consumer Law for Florida on
Q: Is a 23.99% a violation of usury laws in FL if so what are my options for recourse?

I purchased in2014 and still own it. But have only been able to pay down 3k of the principle since then. My family fell on hard times and it was recently repossessed

Adam Savett
Adam Savett answered on Jun 26, 2019

The short answer is that the loan is probably usurious under Florida law, but you should talk to a Florida licensed consumer protection attorney for a full evaluation.

Fla. Stat. § 687.02 defines "Usurious contracts” as:

All contracts for the payment of interest upon any loan,...
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1 Answer | Asked in Consumer Law for Illinois on
Q: What does "claim form deadline no earlier than July 1 2019" actually mean? Do we file before or after date?

There is a class action lawsuit and it says the above but I am not sure if we file a claim before July 1 or after.

Adam Savett
Adam Savett answered on Jun 26, 2019

This question appears to relate to a settlement in Rickert, et al. v. Caliber Home Loans, Inc., and American Security Insurance Company.

The claims administrator (the company that will process and evaluate the claims) has a website devoted to the case, here:...
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1 Answer | Asked in Criminal Law for Texas on
Q: NY state law 369e says if you register a promotion late then it's a class B misdemeanor.. What is that penalty?

What is the maximum fine or sentence?

Adam Savett
Adam Savett answered on Apr 10, 2019

Offenders found guilty of Class “B” misdemeanors face maximum penalties of up to three months imprisonment or one year probation. In addition, a fine of up to five hundred dollars or double the amount of the defendant’s gain from the commission of the crime may be imposed.

For first...
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1 Answer | Asked in Business Formation and Business Law for Georgia on
Q: I want to open a wine subscription business based in Georgia.

I will be shipping wine monthly to subscribers. The wine will come from different wineries/cellars. Is that possible?

Adam Savett
Adam Savett answered on Apr 10, 2019

The answer is probably, but this is NOT a do-it-yourself endeavor.

You should seek a (preferably) Georgia licensed attorney with a specialization in alcohol sales & registration issues. If they have a background in interstate subscription shipping or direct-to-consumer business, then even...
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1 Answer | Asked in Consumer Law, Contracts, Business Law and Collections for Florida on
Q: Can a merchant set a minimal payment requirement on a debit card?

I went to a merchant (farm store) in Florida and ordered $3 worth of items. Without him saying anything, he charged me $5.30 and gave me the receipt. When I read it he said “it’s $5.30 cause he said there is a minimal purchase requirement with my card (debit card). He then told me to pick... Read more »

Adam Savett
Adam Savett answered on Mar 11, 2019

It's probbaly not illegal for the store to try and set a minimum for debit card purchases, but it most likely violates the rules they agree to with Visa or MasterCard. But, swiping the card for more than the purchase amount and then telling the customer after the fact might very well be considered... Read more »

1 Answer | Asked in Consumer Law and Foreclosure for Maryland on
Q: I don't think my private mortgage lender was licensed in the state of Maryland, how would I find out and what should I o

The private lender has charged me interest only on a mortgage loan. part of the loan was repayed in Sept 2018 and the balance principal was only supposed to be $7k. The lender and lawyer has been going back and forth with the amount that I owe - from 32k to 9k then to 14k and now I am ready to... Read more »

Adam Savett
Adam Savett answered on Mar 11, 2019

You can check the registration status of your lender through NMLS (the Nationwide Multistate Licensing System / Nationwide Mortgage Licensing System and Registry). They maintain a consumer oriented website, here:

http://www.nmlsconsumeraccess.org/

Note that not all types of lenders...
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1 Answer | Asked in Consumer Law for Maryland on
Q: Can someone please explain this case number I received on a post card and what my next steps should be?

Case No. STK-CV-UBT-2016-11712

I tried to research it but was unable to get any information.

Thanks!!

Adam Savett
Adam Savett answered on Aug 10, 2018

It is a case in California state court involving alleged violations of of a federal law, the Fair and Accurate Credit Transactions Act (FACTA). FACTA was enacted to address the problem of identify theft by putting certain protections into place. Specifically, FACTA prohibits the printing of more... Read more »

1 Answer | Asked in Consumer Law and Animal / Dog Law for Tennessee on
Q: What can I do? I don't have much money! I have all email/text correspondence with Sky Cargo Ways.

I purchased a puppy that was coming from Virgina. The seller was sending the puppy through a company named Sky Cargo Ways. The first time this company required money from me for the puppy's transport was for a ventilated carrier to safely transport the puppy. They wanted $650 for this with the... Read more »

Adam Savett
Adam Savett answered on Jul 30, 2018

I’m sorry to say, but it looks like the company is a scam.

A number of websites describe the scam. Here are two examples:

https://scamwarners.com/forum/viewtopic.php?f=36&p=357721

https://petscams.com/pet-delivery-scam/skycargologistics-us/amp/

If you paid by...
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