Rhode Island Consumer Law Questions & Answers

Q: A neighbor's tree recently fell on my garage causing damage to the roof. I called my homeowners insurance.

1 Answer | Asked in Consumer Law for Rhode Island on
Answered on Dec 27, 2017
Neville Bedford's answer
As they used to say on Judge Wopner: Take them to court.

Q: I'm in foreclosure; can the mortgage co. send my ex-wife a certified notice or would that be considered slander?

1 Answer | Asked in Consumer Law, Divorce, Foreclosure and Libel & Slander for Rhode Island on
Answered on Aug 19, 2017
Neville Bedford's answer
If you have it, bring the notice to the attorney you have retained to assist you in the foreclosure matter.

Q: I had a motorcycle that I defaulted on for the last 6 payments..

1 Answer | Asked in Bankruptcy and Consumer Law for Rhode Island on
Answered on Jul 15, 2017
David Earl Phillips' answer
If there is no lien against the title you would be able to sell the bike in my state, Tennessee. If Rhode Island is a title state also you should be OK with selling the bike. Hope it works out. Good luck!

Q: My daughter and her father joined a gym. My daughter is a minor. Now the gym is holding her responsible for the balance.

1 Answer | Asked in Consumer Law for Rhode Island on
Answered on May 3, 2017
Neville Bedford's answer
If they file suit, consider retaining an attorney to pres this defense of incompetency as a minor.

Q: RI Statute 19-9-2 does not appear to provide an exemption for federally chartered banks.

1 Answer | Asked in Banking and Consumer Law for Rhode Island on
Answered on Jan 22, 2017
Neville Bedford's answer
Chasing the prevailing .04% rate will likely cost many times more than it is likely to yield.

Double check to make sure YOUR bank is not EXEMPT.

TITLE 19

Financial institutions

CHAPTER 19-9

Community Obligations and Banking Offenses

SECTION 19-9-2

§ 19-9-2 Escrow accounts – Interest.

(a) Every mortgagee holding funds of a mortgagor in escrow for the payment of taxes and insurance premiums with respect to mortgaged property...

Q: Are credit card banks required to return monies you charged to pay someone's bail but in fact we were being scammed?

1 Answer | Asked in Banking, Identity Theft and Consumer Law for Rhode Island on
Answered on Sep 19, 2016
Neville Bedford's answer
I just reread the second posting of the same question. You were tricked BUT you legitimately purchased ITUNES cards. That is a problem. Contact the Itunes seller and see if they might be able to reverse those charges and cancel the cards. It is possible you may have no recourse as you were duped into believing that law enforcement is now accepting ITUNES payments. Much like the bitcoin - western union and other scams that are operating.

Q: Would credit card bank have to return money you charged to pay someones bail then found out you were scammed?

1 Answer | Asked in Banking and Consumer Law for Rhode Island on
Answered on Sep 19, 2016
Neville Bedford's answer
Contact your credit card companies dispute resolution department and let them know you would like to dispute these fraudulent charges. Report the scam to the attorney general's office to help protect others.

Q: Just a question. Yesterday i took my 2007 Lexus is250 to in-skip Lexus. The Catalytic converter needed to be replace. T

1 Answer | Asked in Consumer Law for Rhode Island on
Answered on Aug 31, 2016
Neville Bedford's answer
I am not a mechanic but I suspect these two items may be related and suspect it is possible that they were unaware of the O2 sensor problem before the very expensive Catalytic converter was replaced. Hopefully, you came to some arrangement to keep your car on the road, This fellow seems to have figured out how to do it himself. https://www.youtube.com/watch?v=JEoCVvhi0Xw Of course, I am not recommending tearing your car apart yourself unless you have the skills and tools to do that.

Q: How long is the warranty for a used vehicle in RI for 148000 miles?

1 Answer | Asked in Consumer Law for Rhode Island on
Answered on Feb 1, 2016
Neville Bedford's answer
It can be as short as 0 miles if there isn't one or if the vehicle is sold "as is" by a private party. If you did bargain for a warranty, read it. That will tell you exactly what you bargained for. If you are dealing with a car dealer who is refusing to honor their warranty, consider finding and hiring an attorney who is well versed in this area.

Q: I was a victim off a scam that happened at Navigant Credit Union. They now want me to sign for a loan for their loss

1 Answer | Asked in Consumer Law for Rhode Island on
Answered on Dec 10, 2015
Neville Bedford's answer
If you receive notice of a suit, take it to those nice people at Legal Services you spoke with. They are well skilled at these type of matters.

Q: Do I have to be an attorney to submit a diminished value claim on behalf of a client?

1 Answer | Asked in Consumer Law for Rhode Island on
Answered on Dec 1, 2015
Neville Bedford's answer
If you are working as an agent for an attorney, you are an extension of that attorney. As long as it is a claim being pressed by the attorney you should be OK. Have you considered asking the attorney you are working for?

Q: Death by suicide. Our daughter committed suicide on June 6th. this year. Our granddaughter is the executor of her will

1 Answer | Asked in Consumer Law for Rhode Island on
Answered on Oct 27, 2015
Robert Jason De Groot's answer
Hire an attorney, at least go have a full discussion with one. This forum does not lend way to the type of information that the attorney needs to learn, and is not confidential at all.

Q: I bought a truck on ebay that had no title. What can I do to register it in RI.

1 Answer | Asked in Consumer Law for Rhode Island on
Answered on Aug 24, 2015
Neville Bedford's answer
Caveat Emptor.

The DMV says:

http://www.dmv.ri.gov/registrations/titles/index.php

Taxes & Titles

When you purchase a vehicle in Rhode Island, you are required to pay sales tax on the vehicle and obtain a title in your own name, even if you do not register the vehicle.

You will need to complete both a Sales Tax form and a Application for Title (TR-2/TR-9) form.

This transaction may be processed by mail, please send documents and payment to...

Q: I am being sued in RI small claims court for something I purchased through paypal from an RI seller & never received

1 Answer | Asked in Consumer Law for Rhode Island on
Answered on Dec 3, 2013
Neville Bedford's answer
You might consider hiring an attorney to represent and assist you - it could cost less than the trip.

Q: What is are the potential perils of financing a home with a private lender rather than a bank?

1 Answer | Asked in Consumer Law for Rhode Island on
Answered on Feb 16, 2013
Neville Bedford's answer
Perils for the Borrower or the Lender ? I would suggest whichever side you are on that you secure a qualified contracts attorney to ensure that your agreement is comprehensive and fully embodies your rights and obligations.

Q: Who is responsible in this flooring dispute?

1 Answer | Asked in Consumer Law for Rhode Island on
Answered on Jan 24, 2013
Neville Bedford's answer
The written contract will be of vital importance in this dispute. Review it with an attorney in your area.

Q: Has a bill been passed in Rhode Island banning cell phone early termination fees?

1 Answer | Asked in Consumer Law for Rhode Island on
Answered on Jan 24, 2013
Neville Bedford's answer
Not to my knowledge. You may search the general laws at: http://webserver.rilin.state.ri.us/Statutes/

Q: Can Rule 60 Bleach Away All Stains?

1 Answer | Asked in Consumer Law for Rhode Island on
Answered on Jan 21, 2013
Neville Bedford's answer
Rule 60 is generally used to vacate a judgement wrongly entered. This does not sound like what you are describing. Depending on whether the matter is civil or criminal - in the state - district - or federal court, there are various instances where Rule 60 may be applicable. Consult with a qualified attorney in the area to review the specific facts and circumstances.

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