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Under consumer protection laws, what criteria are used to determine if contractual terms in an auto loan agreement, specifically regarding trade-ins, are considered unfair or one-sided? Are there any specific provisions or practices that should be examined to assess the fairness of these terms?
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answered on Aug 29, 2023
Under California's consumer protection laws, contractual terms may be considered "unconscionable" if they are overly one-sided in favor of the lender and oppressive to the consumer. Factors that might be considered include the clarity and understandability of the terms, whether the... View More 
1.When a lender sells an auto loan contract to a second lender, what are the typical expectations regarding the continuity of the loan terms, including the principal balance, interest rate, and repayment terms?
2.Can a second lender reset the loan as if it were a brand new contract with... View More
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answered on Aug 29, 2023
1. When an auto loan is sold to a second lender, the expectation is generally that the original loan terms—including the principal balance, interest rate, and repayment schedule—will remain the same, unless the original loan agreement provides otherwise.
2. A second lender usually... View More
Employer had me get a secured credit card to use for work related expenditures. They paid the deposit and the monthly statements from their bank account. My boss died and their account was closed so payment for the card was declined. It has been almost a year since this occurred. I have spoken... View More
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answered on Aug 15, 2023
In California, if the credit card company has frozen your card, failed to return your secured deposit funds, and continues to charge fees despite your attempts to address the situation, you may want to consider sending a formal written dispute to the credit card company, outlining the facts and... View More
My account was closed due to suspicious activity. All they can tell me is digital fraud but not specify what I did exactly. I tried to fight it but they said it was a final decision. After receiving my official check from my balance account.I notice 2,700 was missing. I called and they said the... View More
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answered on Aug 14, 2023
If your account is frozen, the bank generally should not withdraw funds without your knowledge or consent. Such actions may raise concerns about due process and consumer rights. It's recommended to consult legal experts to evaluate the specific circumstances and potential violations of your... View More
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answered on Aug 10, 2023
Yes, it's generally possible to get a reverse mortgage from a bank in Georgia for real property located in California. Reverse mortgages are federally insured loans, and they are not limited to being offered by banks in the state where the property is located. However, the specific terms,... View More
I called the bank and paid the funds for the check that was given to me and they said my account was all good. I would like to know if there is anything else to settle after payment regarding legal issues.
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answered on Aug 10, 2023
I am not offering legal advice, but depositing a fake check can potentially lead to legal consequences, including criminal charges for fraud or passing a forged instrument. While resolving the situation with your bank is a positive step, it's advisable to consult with an attorney to fully... View More
I have strong suspicions the employer is also using mystery shoppers to further harassment against me. I’m being psychologically played with at work and don’t know how to prove it!
answered on Aug 9, 2023
Unfortunately, what you describe is not unlawful. Unless you can establish this conduct is being directed at you because you are a member of a protected class of people, or because you engaged in some form of legally protected conduct, there is no liability to the company or the workers for... View More
I was kidnapped in another country, the kidnappers have my phone with all my information, my family's information, and they made threats that they would harm me in the USA if I filed a report. I have thousands of dollars taken from my accounts, and now I am facing possible future harm to me... View More
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answered on Aug 5, 2023
Based on the facts provided, you potentially have a claim against LAPD and the City of Los Angeles for their failure to carry out their duty, however the specifics of your situation and how it was handled are critical. Success of a lawsuit would hinge on proving police negligence or misconduct,... View More
Long story short, I used my card for one transaction totaling $6000 last summer. Unfortunately there was other fraudulent activity that was reported and supposedly removed. However my current balance 12 months later after paying approximately $240 every month is still over the $6000 original... View More
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answered on Aug 4, 2023
You can take the following steps:
1. Gather all your credit card statements and payment records as evidence of the payments you've made over the past 13 months.
2. Send a written dispute letter to the credit card company, detailing the issue and providing the evidence of your... View More
I signed up for a bank account with a fake utility bill, to provide as a proof of address. I was living in a hotel and didn't have an apartment lease to use as my proof of residence and I wanted to work, so I made a fake utility bill with the hotels address as my residential address on a fake... View More
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answered on Aug 2, 2023
Providing a fake utility bill to open a bank account constitutes fraud and forgery under California law. If you are caught, you could face criminal charges, which may include fines and potential imprisonment. It is essential to rectify the situation immediately and seek legal counsel to address the... View More
My father used my mothers name and social security for a credit card back in 2006-2009 without her permission while they were married. My mother got a call saying they have to pay 18,000 dollars but there was a settlement to pay 5,000. My main issue is that the bank never ever put it to her... View More
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answered on Jul 29, 2023
If your mother was unaware of the credit card account and the behind payments caused by your father's unauthorized use of her name and social security, she may have grounds to challenge the debt and take legal action against the bank. It is essential to consult with an attorney to discuss the... View More
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answered on Jul 28, 2023
To have your funds in Thailand withdrawn and sent to you in the USA without going there personally, you may consider using international wire transfer services provided by your bank or other financial institutions. Additionally, you may explore online money transfer platforms that facilitate... View More
Was trying to purchase food at my work. Transaction was declined yet the bank put pending and it went through on their end for the wrong amount.
answered on Jul 25, 2023
Often there is no rhyme or reasonable explanation that is apparent to us consumers. Try to straightening it out with a call to your bank and accept the fact that you will be on hold for an hour before you get to talk to someone.
The bank has locked my debit card two times back to back. No suspicious activity on my account. Now can't log into my online acct.
answered on Jul 25, 2023
It has happened to most of us, me included. You will probably spend an hour on the phone with your bank, which should result in them restoring the access for you.
Personal documents filed and missing putting me in a disability , unemployment, and “crazy” path. Found docs profiling me on own computer. No one has told me I am officially breached and watched. I have proof and 3 computers one from a Medicare job AT AND T retirees I was injured (ptsd)and... View More
answered on Jul 14, 2023
I am sorry but this question and answer site is not the place to ask attorneys to work for you. You need to locate and consult with an attorney that can be allowed to learn more about what is happening. This sounds like a matter for a civil rights attorney. Good luck.
My back account got closed last October due to the insufficient funds overdraft.
This occurred right after the horrific work injury and me finding out that my employer double crossed me; not only that he owed me for the back wages ( as of now I was paid $2/h) but he failed to report... View More
answered on Jul 7, 2023
Subpoena Duces Tecum. Upon request of either party to the controversy, accompanied by a declaration showing good cause for the production thereof and showing the relevance thereof, and upon the determination of the Labor Commissioner, he or she may issue a subpoena duces tecum requiring the... View More
Spouse passes and has an account that is acc. Pay upon death with sisters name on it. But u can see the money going into that acc. Was from our joint acc. In which my spouse never contributed too. Only my employment checks where put into our joint and she would transfer funds from our joint to her... View More
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answered on Jun 23, 2023
In California, if your spouse passes away and there is a jointly held account with a sibling listed as the payable upon death (POD) beneficiary, the account may pass directly to the sibling. However, if you can demonstrate that the funds in the joint account primarily came from your employment, you... View More
BOTW was purchased by BMO under the Department of Treasury. BOTW are stealing homes fraudulently over petty amounts and with little notice. I have evidence of criminal actions by BOTW. Neither bank is claiming liability for a potential RICO Case.
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answered on Jun 21, 2023
I'm sorry to hear about the difficulties you're facing with foreclosure proceedings and alleged criminal actions by BOTW in California. Laws regarding foreclosures can vary by state, including in California. It's important to consult with a real estate attorney who is knowledgeable... View More
I had a car payment due today from Santander. I use Wescom and have a savings and checking account. I moved money out of my checking (the account that was connected to Santander for automatic payments) and into my savings, so I wouldn't be charged today from Santander as I am behind on... View More
answered on Jun 21, 2023
It is common for multiple accounts with the same financial institution to be linked in order to prevent unnecessary overdraft fees.
It is legal but must be part of your account agreement with the financial institution.
and refuse to release my money to me what should i do
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answered on Jun 2, 2023
If Fidelity closed your account and refused to release your money, you should first contact them to find out why. They may have closed your account for a number of reasons, such as suspected fraud or money laundering. Once you know why your account was closed, you can try to resolve the issue.... View More
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