Consumer Action Handbook: 2001
DIANE Publishing, Sep 1, 2000 - Reference - 144 pages
Part 1, Before You Buy -- advice on steps to take when shopping for goods or services, warnings on what to watch out for, and specific info. on how to shop for major items such as cars, credit and home improve. Part 2, After You Buy -- turn to this section if you have a problem after making a purchase, incl.: finding legal advice or getting help from the media. Sample complaint letter included. Part 3, Consumer Assist. Dir.: find the place to file your complaint or ask a question. Provides names, addresses, tele. no., fax no., e-mail, and web sites for contacts in consumer org., corp., trade assoc., and gov't. agencies at the city, county, state and Fed. level.
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Page 34 - ... at (location, date and other important details of the transaction). Unfortunately, your product (or service) has not performed well (or the service was inadequate) because (state the problem).
Page 19 - ... to do so. If you are contacted by a debt collector, you have a right to a written notice, sent within five days after you are first contacted, telling you: • the amount owed; • the name of the creditor; and • what action to take if you believe you don't owe the money. If you believe you do not owe the money or don't owe the amount claimed, contact the creditor in writing and send a copy to the debt collection agency with a letter telling them not to contact you. If you do owe the money...
Page 133 - The oldest international organization devoted to investor protection, the North American Securities Administrators Association, Inc., was organized in 1919.
Page 16 - secured" credit cards. These cards usually require you to set aside money in a separate bank account in an amount equal to the line of credit on the card to guarantee that you will pay the credit card debt. Some of these offers advertise that secured cards can be used to "repair
Page 16 - Period — allows you to avoid any finance charge by paying your balance in full before the due date. If there is no free period, you will pay a finance charge from the date of the transaction, even if you pay your entire balance when you receive your bill. • Fees and Charges — most issuers charge an annual fee; some also might charge a fee for a cash advance or if you fail to make a payment on time or go over your credit limit.
Page 116 - States, the District of Columbia, Puerto Rico, the US Virgin Islands, and Guam...
Page 15 - A creditor is someone to whom you owe money. When you apply for credit, a creditor may not: • ask about or consider your sex, race, national origin or religion; • ask about your marital status or your spouse, unless you are applying for a joint account...
Page 15 - ... name, and your spouse's last name, or your first name and a combined last name; • have a co-signer other than your spouse if one is necessary; • keep your own accounts after you change your name or marital status or retire, unless the creditor has evidence you are unable or unwilling to pay; • know why a credit application is rejected; the creditor must give you the specific reasons or tell you of your right to find out the reasons if you ask within 60 days...
Page 34 - ... (product or service) has not performed well (or the service was inadequate) because (state the problem). Therefore, to resolve the problem, I would appreciate your (state the specific action you want). Enclosed are copies (copies, NOT originals) of my records (receipts, guarantees, warranties, canceled checks, contracts, model and serial numbers, and any other documents). I look forward to your reply and a resolution to my problem, and will wait (set a time limit) before seeking help from a consumer...
Page 16 - ... find the card that best suits your needs. • Know your credit card protections. When you have used your card for a purchase and you don't receive the goods or services as promised, you might be able to withhold payment for the goods or services. Card issuers must investigate billing disputes. • Protect your credit record. Pay bills promptly to keep finance charges low and to protect your credit rating. Keep track of your charges and don't exceed your credit limit. Report any change of address...