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Kentucky Consumer Law Questions & Answers
1 Answer | Asked in Consumer Law and Internet Law for Kentucky on
Q: Cashapp says u have a limit to how much money you can add. One says $1,000 for a rolling 7 days and another says $25k.

I had added $500, $200, $200 and tried three times adding another $100 to pay my car insurance yesterday. Keep in mind that they keep $1 for every time you add money so the 500 was $499, the $200 I added $201 and again I added $201. Then it declined my $101 for my car insurance and said I had added... View More

James L. Arrasmith
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answered on Apr 6, 2024

It sounds like you are experiencing some frustration and confusion with the limits and policies of Cashapp. Here are a few thoughts on your situation:

1. Conflicting limit information: It does seem odd that Cashapp is displaying different weekly and monthly transaction limits in different...
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1 Answer | Asked in Consumer Law, Car Accidents and Insurance Defense for Kentucky on
Q: Vehicle was deemed a total loss, but I want to buy back the vehicle. I still owe on the loan.

The total settlement number they gave me would be more than I owe, but the salvage price to keep the vehicle would make the new amount less. I understand that would leave me with the remaining loan balance. Adjuster told me that they won’t release any funds until the loan is paid in full. I was... View More

Tim Akpinar
Tim Akpinar
answered on Mar 28, 2024

A Kentucky attorney could advise best, but your question remains open for a week. You'll probably need to go through the figures with them in more detail than is possible here. But the basic principle is that keeping the vehicle will reduce the payment. If a vehicle is old and low value, it... View More

1 Answer | Asked in Criminal Law, Consumer Law, Civil Rights and Public Benefits for Kentucky on
Q: how would i go about filing criminal charges against ky. dcbs ensuring claims made against dcbs are fully investigated

how would i go about filing criminal charges against ky. dcbs office in such a way as to ensure that any claims made against that dcbs office are actually investigated as they should be and not just ignored or swept under the rug or tried to be turned into anything other than the actual criminal... View More

James L. Arrasmith
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answered on Feb 24, 2024

To initiate a process against the Kentucky Department of Community Based Services (DCBS) for alleged criminal violations, including potential civil rights violations under "color of law," you would typically start by documenting all relevant incidents, including dates, times, and... View More

1 Answer | Asked in Criminal Law, Consumer Law, Civil Rights and Constitutional Law for Kentucky on
Q: how would i go about filing criminal charges against ky. dcbs ensuring claims made against dcbs are fully investigated

how would i go about filing criminal charges against ky. dcbs office in such a way as to ensure that any claims made against that dcbs office are actually investigated as they should be and not just ignored or swept under the rug or tried to be turned into anything other than the actual criminal... View More

James L. Arrasmith
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answered on Feb 24, 2024

To pursue criminal charges against the Kentucky Department for Community Based Services (DCBS), you should start by gathering any evidence or documentation related to the alleged misconduct. This could include emails, letters, or records of interactions with DCBS officials. Additionally, it's... View More

1 Answer | Asked in Consumer Law and Contracts for Kentucky on
Q: If a dealer sold me an RV, that I have not taken possession of, and there is no title, do I have to take it? In Kentucky

The dealer has been less than transparent

James L. Arrasmith
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answered on Feb 23, 2024

In Kentucky, you are not obligated to take possession of an RV from a dealer if there is no title available. It is essential to ensure that all necessary paperwork, including the title, is in order before finalizing the purchase and taking possession of the vehicle. If the dealer has been less than... View More

1 Answer | Asked in Consumer Law for Kentucky on
Q: I bought a car at a buy here pay her car lot a part on the car broke down the buy here pay here car lot said they would

It so I left it with them they had it for 2 months I just got it back today and the whole inside of the car is covered in terrible mold it wasn't like that before the car lot left it in the rain what can I do

James L. Arrasmith
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answered on Feb 2, 2024

Facing a situation where your car was left with a buy here pay here car lot, and it returned with mold inside due to being left in the rain is frustrating. Firstly, document the condition of the car before you left it with them, if possible. This will help establish the contrast in the car's... View More

1 Answer | Asked in Consumer Law for Kentucky on
Q: Police impounded my car and arrested me. Grand jury did not indict. Do I have to pay tow an storage to get car back

I was arrested on Feb.21,2023. Ispent 12 days in jail an I could not pay the amount when I was released. I received notice of No true bill by Grand Jury 9 months later on Nov. 30 2023. The police said that a private tow service got it but that they called them upon my arrest. Vehicle was parked... View More

James L. Arrasmith
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answered on Feb 2, 2024

If you were arrested, spent time in jail, and your car was impounded, but the grand jury did not indict you, you may have a valid claim to retrieve your vehicle without having to pay for towing and storage fees. Start by obtaining all documentation related to your arrest, release, and the no true... View More

2 Answers | Asked in Consumer Law and Contracts for Kentucky on
Q: Buy here pay here car lot caused rain damaged to my vehicle whole they were repairing it

It so I left it with them they had it for 2 months I just got it back today and the whole inside of the car is covered in terrible mold it wasn't like that before the car lot left it in the rain what can I do

T. Augustus Claus
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answered on Feb 1, 2024

If a buy here pay here car lot caused rain damage to your vehicle while repairing it, resulting in mold inside the car, you may have legal options to address the situation. First, document the damage by taking photographs and collecting any relevant evidence, such as repair invoices or... View More

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2 Answers | Asked in Consumer Law and Contracts for Kentucky on
Q: Buy here pay here car lot caused rain damaged to my vehicle whole they were repairing it

It so I left it with them they had it for 2 months I just got it back today and the whole inside of the car is covered in terrible mold it wasn't like that before the car lot left it in the rain what can I do

James L. Arrasmith
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answered on Feb 2, 2024

Facing a situation where your car was left with a buy here pay here car lot, and it returned with mold inside due to being left in the rain is frustrating. Firstly, document the condition of the car before you left it with them, if possible. This will help establish the contrast in the car's... View More

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1 Answer | Asked in Consumer Law for Kentucky on
Q: Do I have to pay auto dealership service dept?

Hit a deer in my 2014 nissan maxima. My car cut off upon impact. Had car towed to a nissan dealership to have diagnostics ran on it. They said it needed new ECM, oilpan replaced due to hole bein in it, and needed frt brakes done. Cost was gonna be $3700.00. I told em to put new ECM on, and oilpan.... View More

James L. Arrasmith
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answered on Nov 17, 2023

In your situation, you are generally obligated to pay for the services and parts provided by the auto dealership's service department. This includes the new ECM and oil pan they installed, as per your agreement. However, since the car is still not running despite these repairs, it's... View More

1 Answer | Asked in Consumer Law and Contracts for Kentucky on
Q: Home security company never installed cameras but has been charging me monthly fees for 5-6 years. What can I do?

Just needing a little guidance on whether I have a lawsuit, I used fluent security company to install security cameras and sensors in my house. This was about 5-6 years ago. Well they never installed the cameras and I have been paying for their service for 5-6 years but have never used their... View More

James L. Arrasmith
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answered on Nov 9, 2023

If a home security company has failed to install cameras as per the agreement and has been charging you for non-rendered services, you may have grounds to dispute the charges and potentially seek reimbursement. It would be advisable to review the terms of your contract with the company and collect... View More

2 Answers | Asked in Consumer Law and Small Claims for Kentucky on
Q: I purchased a used 1999 Ford truck from private party in Kentucky. Although they said it would “make it “ the 3 1/2 hour

Fraudulent listing on marketplace fraudulent mileage. Nothing works, states 1 owner. I’m the 10 th!! Mileage is less than in 2016. Frame is full of holes and rust. I’ve driven it 6 miles. I’m 64 and on a fixed income and boy am I stupid!! I’m out 2k for the truck $700 for uhaul , hotel... View More

Leland Hulbert
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Leland Hulbert
answered on Jan 19, 2023

You should be able to sue him in small claims court in the county where the transaction took place. Save all your records and communications with him. You can hire a lawyer, but that may end up costing you more than the car is worth. They have small claims packets at the courthouse so you can file... View More

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1 Answer | Asked in Consumer Law, Landlord - Tenant and Small Claims for Kentucky on
Q: Can my landlord win eviction in court if he has neglected to repair sewage leaking into my apartment?

March-June, sewage has been raining into my apartment's laundry area, specifically from the apartment upstairs' toilet when they flush. There is mold, and of course human waste coming down into my unit. Landlord was notified in March and after many requests through messages, nothing gas been fixed

Timothy Denison
Timothy Denison
answered on Jun 18, 2024

It really depends on what other evidence, if any, he has and whether you were constructively evicted from your rental. You will probably at least be given a hearing.

1 Answer | Asked in Consumer Law and Civil Litigation for Kentucky on
Q: We bought a used boat. Equipment was missing when we picked up the boat. Can the seller be made to return the equipment

The sailboat ad listed the missing equipment and the survey report also listed the equipment. The seller is not returning phone calls or text messages from our broker. The cost of replacing the missing equipment would be approximately -$4000 plus.

Timothy Denison
Timothy Denison
answered on Jun 12, 2024

Yes. If it is listed in the ad, you may have a fraud claim against the seller.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Can a business refuse cash for payment in Kentucky?
Timothy Denison
Timothy Denison
answered on May 16, 2024

Yes. I’m not sure why they would, but it is solely up to the business owner.

1 Answer | Asked in Consumer Law for Kentucky on
Q: I bought a 2007 mustang, and a day later I found out it has a salvage title on it. The dealer did not inform of anything

I had my daughter look up the vin after I got home and it showed 3 title issues as being salvage title from 11/09/2023, then showed a entry for salvage title on the date after I purchased the car, bought on the 9th, date on vin was for 10th of month, and had not even happened yet, then 4 days later... View More

Timothy Denison
Timothy Denison
answered on Apr 15, 2024

Hire a lawyer and sue the seller for fraud.

1 Answer | Asked in Consumer Law for Kentucky on
Q: I bought a used vehicle from a dealership and a week later it’s having issues

I bought a truck from a licensed dealer and within the first 7 days it has a check engine light on and is throwing 4 codes all being big issues, they never stated it had any issues and are saying my warranty through them is inactive till 90 days after purchase but these are serious mechanical... View More

Timothy Denison
Timothy Denison
answered on Apr 7, 2024

Hire a lawyer, notify the bank who issued the loan and return the truck.

1 Answer | Asked in Consumer Law and Criminal Law for Kentucky on
Q: If I have gifted my 19 year old boyfriend an AK-47 is he the legal owner or what steps can I take for this?
Timothy Denison
Timothy Denison
answered on Mar 14, 2024

You will need to file the ATF form to legally register the gun to him and transfer ownership out of your name.

1 Answer | Asked in Consumer Law, Contracts and Small Claims for Kentucky on
Q: How do I deal with a contractor who has not completed repairs after 6 mos. and will no answer phone?

We had significant hail damage in June. Our contractor completed all tasks except replacing our gutters. He will not answer phone calls or texts. What are my options?

Timothy Denison
Timothy Denison
answered on Dec 27, 2023

Hire an attorney and sue him for breach of contract.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Ok , I have a 2016 Kea soul ok there was a recall on it well I tried to get fixed an they said no it was to late .

I received a debit card from Kea that I was approved for up 35000 ok they wouldn't let me trade in but I was eligible for 2023 Kea forta . Well I'm still paying for the 2016 Kea soul. They told me to forget the soul they would come after it when ever. I draw disability of 934 00 a... View More

Timothy Denison
Timothy Denison
answered on Dec 13, 2023

Much more factual information is needed to determine whether you have any cause of action. From the information above, it is impossible to say.

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