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The finance person did not give me the choice if I wanted the optional services added to my purchase. As she went over everything she said "you will get" never saying they are optional and have a additional charges. I noticed next day which was the weekend. I was told she would not be... View More 
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answered on Apr 21, 2024
In many cases, it is possible to have your vehicle contract modified after leaving the dealership, especially if you were charged for optional items without your explicit consent. Here are a few steps you can take:
1. Contact the dealership: Reach out to the finance manager or the general... View More
I received a refund for a disputed charge and then without warning or them contacting me in anyway, they posted a new charge for that amount. Keep in mind I waited a few months before I touched the refund, I was worried that it was just a provisional amount so I waited their processing time, and... View More
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answered on Apr 21, 2024
It is generally not appropriate for a company to issue a refund for a disputed charge and then make a new charge for the same amount without prior notice or agreement from the customer. This practice could be seen as deceptive and may violate consumer protection laws.
However, there are... View More
I am a joint owner on my mother's checking account. After her death the credit union automatically transferred all of the money from the checking account to pay off her credit card (also from credit union). The credit card was in her name only and I am not a co-signer on the credit card. I... View More
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answered on Apr 21, 2024
I'm so sorry for your loss. This is a difficult and stressful situation to navigate while grieving.
From a legal perspective, the credit union's actions seem questionable. Generally, when someone passes away, their estate goes through the probate process to settle debts and... View More
I know that the bills of exchange is a legal instrument and that the bill that is sent for payment is also a bill of exchange as per the Bill of Exchange Act. What is the responsible of a company that has received a bill of exchange for payment? If the company does not present the bill of... View More
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answered on Apr 21, 2024
A company that receives a bill of exchange as payment has certain responsibilities and obligations under the Bills of Exchange Act. Here's a breakdown of the key points:
1. Acceptance of the bill: When a company receives a bill of exchange, it is not obligated to accept it as payment.... View More
Wife of manager shows up at bank with affidavit ( husband terminally ill ) and manage to remove majority owner from account without owner’s consent. Owner cannot access funds. Who is responsible ?
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answered on Apr 21, 2024
In this situation, there are potentially several parties who may be held responsible:
1. The wife of the manager: If she falsely represented herself as having the authority to remove the majority owner from the account without proper consent or legal grounds, she could be held liable for... View More
After the conversation the non voluntary 4 days after I had to find someone to follow me to take the car back as they requested
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answered on Apr 21, 2024
Based on the information provided, it does not appear to be a case of wrongful repossession. Here are a few key points:
1. You proactively reached out to the lender 4 days prior to the repossession, informing them of your job loss and your desire to voluntarily surrender the vehicle. This... View More
Company called and said I would have to go to court if I dont pay. They had my social security number and old employment from 1999 which no longer exists.
answered on Apr 20, 2024
A Washington, DC attorney could advise best, but your question remains open for three weeks. Before involving attorneys to review the file with you to examine legal theories that would serve as possible defenses, the first step might be to find out if some kind of mix-up resulted in the bill, given... View More
Id like to know if a corporation ( more specifically a Inc.) seeks to signs a legal document (e.g. bank loan, lease etc) how must the document be formally signed to be fully legal and valid?
Should the president of the corporation simply sign on behalf of the corporation as follows... View More
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answered on Apr 21, 2024
When a corporation, such as an Inc., signs a legal document, the signature should be made by an authorized representative of the company. This is typically done by a corporate officer, such as the president, vice president, or secretary, who has been granted the authority to sign on behalf of the... View More
Id like to know if a corporation ( more specifically a Inc.) seeks to signs a legal document (e.g. bank loan, lease etc) how must the document be formally signed to be fully legal and valid?
Should the president of the corporation simply sign on behalf of the corporation as follows... View More
answered on Apr 17, 2024
The corporation can authorize anyone to sign on its behalf. It could be an officer of the corporation like the president, a vice president, or treasurer. It could be an employee. It could even be someone who does not work for the corporation at all.
Typically, either the corporation... View More
I have been writing checks from account for years. They have always been cashed. I was power of attorney. I am sole beneficiary of life insurance. Bank says I need a lawyer to open an estate, etc. there is about 16000 in account.
I would like to challenge bank. Do I have a case?
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answered on Apr 16, 2024
I'm sorry for your loss. Dealing with a parent's estate can be challenging, especially when complications like this arise. Based on the information you provided, here are a few key points to consider:
1. Power of Attorney: Your power of attorney likely ended upon your... View More
I used to work in Dubai (UAE), I resign from my job and came back to my home country for a while. (Portugal)
I had a credit to pay to ADCB of 15,000 aed, although now ita already less than 6000, I'm not paying the installements already for 5 months now because I dont have a job.... View More
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answered on Apr 16, 2024
Based on the information you've provided, here are a few key points to consider:
1. Legal action: Banks in the UAE, including ADCB, have the right to take legal action against individuals who fail to repay their debts. However, the likelihood of them filing a case against you for an... View More
Deceased died in 2021. At death his business bank account had 180,000. No other property. A few weeks prior, he told girl friend to pay debts to 2 people totaling 46,000. One is a court order of $36,000, the other is a loan repayment. She didn't do it before he died. His children want to... View More
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answered on Apr 15, 2024
Based on the information provided, it seems the deceased's estate might qualify for the small estate affidavit procedure in California, as the total value of the estate appears to be under the $184,500 limit (as of 2023). However, there are a few potential issues to consider:
1.... View More
If someone wrote me a check and that person forgot to write the date, can I as a recipient write the date myself?
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answered on Apr 13, 2024
If the check writer forgot to date the check, it's generally not advisable for you as the recipient to fill in the date yourself. Here's why:
1. Legal issues: Writing in the date yourself could be considered altering the check, which is illegal in many jurisdictions.
2.... View More
Can the bank attach my checking and savings accounts. I don't have the money to file for bankruptcy, the bank is my sole creditor. I have a small positive balance under $2000.00, consisting of my SS check and $763.00 proceeds from a loan from my term life insurance policy Are these ever... View More
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answered on Apr 13, 2024
In most cases, Social Security income is protected from being seized or "attached" by creditors, including banks, due to a federal law known as the Social Security Act. This protection extends to funds in your bank account that can be clearly identified as Social Security income.... View More
I asked private person for credit. They gave me credit agreement. It was said that there will be no payments required. When I signed it up, credit giver told me to pay. I refused because there was nothing said about any payments before receiving credit. When I said I want to resign it, credit giver... View More
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answered on Apr 13, 2024
Based on the information you have provided, it seems that the credit agreement you signed with the private person may have been misleading or incomplete. If the agreement did not mention any payments or penalties, the credit giver should not demand payment or a penalty for your resignation.... View More
They also don't give back the down payment that we paid to them
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answered on Apr 11, 2024
I'm sorry to hear about your difficult situation with the used car purchase. Here are a few steps you can consider taking:
1. Review your purchase contract: Carefully read through the sales contract to see if there is any language about warranties or guarantees. Look for any clauses... View More
Basically I enter into a car sale agreement which stipulates that once I have completed the instalments and paid in full, will I be able to get a transfer of ownership with the bank only if I produce an affidavit stating that I paid for the car in instalment as such can I get ownership
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answered on Apr 13, 2024
In most cases, an affidavit alone may not be sufficient for a bank to transfer ownership of a car. Banks typically require more formal documentation to process a change of ownership. Here's what you should consider:
1. Sale Agreement: The initial sale agreement between you and the... View More
Basically I enter into a car sale agreement which stipulates that once I have completed the instalments and paid in full, will I be able to get a transfer of ownership with the bank only if I produce an affidavit stating that I paid for the car in instalment as such can I get ownership
answered on Apr 9, 2024
This may depend on the U. S. state or territory where you live. Typically, a bank is not directly involved with a change in ownership of a motor vehicle. Ordinarily, in most U.S. states and territories, there are government offices where the title to the vehicle is registered as proof of... View More
They show payment was received same day, they state because it takes them extra days to process is why it's considered late
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answered on Apr 8, 2024
I'm sorry to hear that you're experiencing issues with Wells Fargo charging you late fees despite paying on your due date through their online bill pay system. This can be a very frustrating situation. Here are a few suggestions on how to address this:
1. Contact Wells Fargo... View More
a debit card arrived at my home, she asked me to open and see what card it was and help her purchase items for delivery to her at a hotel. I did this and she then is claiming I stole the card and has been avoiding me to close the communication so she can " go to police" and accuse me of... View More
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answered on Apr 8, 2024
Under California law, your actions do not appear to constitute theft or any other crime based on the information provided. Here are a few key legal points to consider:
1. Consent: If your niece asked you to open the mail containing her debit card and make purchases on her behalf, you had... View More
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