Does a consumer have a legal right to request this?Sweet n Sour asked: a) I’m in California b) I’ve been dealing with my mortgage co. since October about a modification. They have taken numerous applications (11 to be exact) over the phone, each time I am supposedly approved, they ask for various paperwork over and over and over and over again, shuffling me from [...] What are my rights as a consumer?Nikki asked: Yesterday I received a call at work from a womany claiming to be from a company called First IRS and she was collecting money for a pay day loan that I defaulted on. The company they claimed I owed the money to was paid last year. I know I took care of it. [...] Consumer credit act 1974. no right to cancel?Lakota asked: I have a car on finance and have recently lost my job, so tightening up my belt i have cancelled a few debits here and there, one been some agreement i made when i got my car (for repairs i think) which the garage said i could cancel anytime. Its dead money been [...] consumer rights repo and write off?esme_dulce asked: weve had a write off car loan awith wells fargo for 3 years now everthng has been payed on time untill about 3 months ago when they stoped taking the payments out of the bank.. no calls no letters and we got the run around when trying to call them about it being [...] How do you monitor the “Free Market” to contain fraud?Big Brodie asked: The conservative argument is to dismantle the federal and state governments so that they don’t have to pay taxes or be held accountable for wrongful acts. Let’s get hypothetical, and give them what they want a pure unregulated free market economic system. No Federal Reserve Bank, no Securities Exchange Commission, no bank [...] Is this company breaking the law?Tammy asked: I received a consumer loan from a company called CashCall. Big mistake on my part! They are charging me 59% interest. I recently heard a story on channel 15 news that says in Arizona there is a limit of 36% on a consumer loan. Does that mean CashCall is breaking the law by [...] Are there any class action law suits aimed at devious finance practices?Stevie Do asked: When is it considered Malpractice or misrepresentation on a finance company?When one of its officers claims to have a contract for afixed rate loan and slips a consumer an ARM or an Adjustable rate loan. This screams for attention now. An abnormal amount of familys are losing there lifelyhood to this practice [...] Does anyone know what the laws on payday loans in Utah are? What are the consumers rights?stephanieplum4404 asked: I recently went back to school and got some payday loans to help buy books and things now I am in a pickle and am wondering if I have any rights as the consumer…HELPCALEB Study: Blacks pay higher auto loan rates As if we didnt know this already?brandley_1999 asked: WASHINGTON – Blacks have been charged higher auto loan rates than other auto buyers, federal research says. But the gap in loan rates could narrow, and possibly disappear, as the result of recently concluded lawsuits. ADVERTISEMENT Blacks paid a typical auto loan rate of 7 percent for new cars, compared with a rate [...] missouri payday loan laws. can they really arrest me?kccutie asked: in missouri can the prosecuting attorney bring charges against you for a payday loan and also i was threatened with the shefiff coming to my job what are my rights as a consumer against these thiefs?DORIAN |